FirstRand Limited
FANDF
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+ FollowMarket Cap$1.77B
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Earnings Call Q4 2025
September 11, 2025 - AI Summary
Resilient Earnings Growth: FirstRand achieved a 10% increase in normalized earnings, reflecting strong operational performance despite macroeconomic challenges, including high inflation and geopolitical tensions. The return on equity (ROE) improved to 20.2%, showcasing the group's profitability.
Provision for U.K. Motor Commission: The group raised a provision of GBP 240 million (ZAR 2.7 billion) for U.K. motor commission claims after the Supreme Court ruled on the fiduciary duties of credit brokers. This impacted earnings but was deemed prudent amid regulatory uncertainties. The provision increased from GBP 127.4 million, reflecting the evolving legal landscape.
Mixed Macroeconomic Environment: Economic policy uncertainty, sticky inflation, and high interest rates continue to pressure South African growth, with GDP expectations downgraded from 1.6% to 1%. However, interest rate cuts and lower inflation support may provide some relief, though a high interest rate environment is expected to persist for the next two years.
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$5.60
7.4% upside
Current Fair Value
7.4% upsideUndervalued by 7.4% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $1.77 Billion |
|---|---|
| Enterprise Value | $-30,661,658,033.00 |
| Dividend Yield | $0.32 (6.18%) |
| Earnings per Share | $6.9 |
| Beta | 0.55 |
| Outstanding Shares | 339,172,000 |
Return
| Return on Equity | 38.16% |
|---|---|
| Return on Assets | 3.01% |
| Return on Invested Capital | 1.93% |
Valuation & Multiples
| P/E Ratio | 13.61 |
|---|---|
| PEG | -37.64 |
| Price to Sales | 0.0 |
| Price to Book Ratio | 0.01 |
| Enterprise Value to Revenue | 1.21 |
| Enterprise Value to EBIT | 8.78 |
| Enterprise Value to Net Income | -1 |
| Total Debt to Enterprise | 0.16 |
| Debt to Equity | 0.34 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
September 10, 2026
EPS Estimate
-
Average shareholder expectationRevenue Estimate
$5.03 B
Average shareholder expectationNext Earnings Call
Expected Date
March 4, 2027
EPS Estimate
-
Average shareholder expectationRevenue Estimate
$5.02 B
Average shareholder expectationInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
ESG Score
No data
About FirstRand Ltd.
51,712 employees
CEO: Alan Patrick Pullinger FirstRand Ltd. operates as a holding company. The firm engages in the provision of banking, insurance and investment products and services to retail, commercial, corporate and public sector customers. It operates through the following se...