Stanbic HoldingsNAI:SBIC +1.69%56 ROE % is 17.49% as of Jun. 2025, which is 30% above its 10-year median of 13.48. GuruFocus rates NAI:SBIC with a GF Score™ of 56/100 and a GF Value™ of KES171.22 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Stanbic Holdings ranks better than 88.33% on this metric.
The historical rank and industry rank for Stanbic Holdings's ROE % or its related term are showing as below:
NAI:SBIC'
s ROE % Range Over the Past 10 Years
Min: 10.31 Med: 13.48 Max: 19.06
Current: 17.87
During the past 13 years, Stanbic Holdings's highest ROE % was 19.06%. The lowest was 10.31%. And the median was 13.48%.
NAI:SBIC's ROE % is ranked better than 88.33% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs NAI:SBIC: 17.87
Stanbic Holdings (NAI:SBIC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Jun. 2025) net income data. The Revenue data used here is two times the semi-annual (Jun. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Stanbic Holdings ROE % Related Terms
Stanbic Holdings ROE % Historical Data
* Premium members only.
The historical data trend for Stanbic Holdings's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Stanbic Holdings's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Stanbic Holdings ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Stanbic Holdings's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Jun. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Stanbic Holdings (NAI:SBIC) has a ROE % of 17.49% as of Jun. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Stanbic Holdings and its competitors. This is 30% above median its historical median of 13.48. Over the past decade, Stanbic Holdings' ROE % has ranged from 10.31 to 19.06. According to the industry distribution chart, Stanbic Holdings ranks #178 out of 1525 companies in the Banks industry, placing it in the top 11.7%.
Is Stanbic Holdings' ROE % too high?
Stanbic Holdings' current ROE % of 17.49% is 30% above median its 10-year median of 13.48. Over the past 10 years, this metric has ranged from a low of 10.31 to a high of 19.06. The Banks industry median ROE % is 10.22. Stanbic Holdings' value of 17.49% is 71.1% above this industry median. Based on the distribution chart, Stanbic Holdings ranks #178 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Stanbic Holdings has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic Holdings' ROE % compare to competitors?
According to the Banks industry distribution chart, Stanbic Holdings ranks #178 out of 1525 companies for ROE %. This places Stanbic Holdings in the top 12% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Stanbic Holdings' value of 17.49% is 71.1% above this benchmark. Historically, Stanbic Holdings' own ROE % has ranged from 10.31 to 19.06 over the past decade. While the company's 10-year median is 13.48 vs. the industry median of 10.22, Stanbic Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stanbic Holdings's current ROE % of 17.49% is 71.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Stanbic Holdings and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stanbic Holdings's current ROE % is 17.49%, which is 30% above median its own 10-year median of 13.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic Holdings (NAI:SBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is KES171.22, compared to a current price of KES285.00 — trading 66.5% above its estimated fair value. The current ROE % is 17.49%, which is 30% above median its 10-year median of 13.48 and 71.1% above the Banks industry median of 10.22. Stanbic Holdings' overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Stanbic Holdings (NAI:SBIC), the current ROE % is 17.49% as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Stanbic Holdings (NAI:SBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic Holdings stock appears to be overvalued.
The current stock price of KES285.00 is trading 66.5% above its estimated GF Value™ of KES171.22.
GuruFocus considers Stanbic Holdings to be Significantly Overvalued.
Key valuation signals for NAI:SBIC:
ROE %: 17.49% (30% above median its 10-year median of 13.48)
GF Value™: KES171.22 vs. price of KES285.00 (66.5% above fair value)
Industry Position: 71.1% above the Banks median (#178 of 1525)
No single metric tells the full story. See the NAI:SBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic Holdings PLC is a financial services company. It is organized into two business units, Corporate and Investment Banking, Personal and Business Banking. Corporate and Investment Banking provides commercial and investment financial services to larger corporate, financial institutions, and international counter parties. The company's products include transactional products and services and investment banking. The Personal and Business Banking provides banking services to individual customers and small to medium-sized enterprises. The products offered include mortgage lending, instalment sales, and finance leases, card products, transactional and lending products, amongst others.
56GF Score
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