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FANDY

FirstRand Limited

Financial Services · $33.8B market cap

Verdict

Share price

$54.00

close of Oct 2, 2026

Fair value

$62.70

Sticker Price

Payback Price

$25.08

buy price

Undervalued

FANDY is Undervalued: at $54.00 it trades 14% below its fair value of $62.70. Its buy price (Payback Price) is $25.08, 54% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Owner Earnings. Earnings grow slowly (under 7% a year), but cash flow is steady, so we value it on its cash flow instead of its earnings.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.7% a year✗
Equity per share growth9.2% a year✗
Sales growth11.7% a year✓
Free cash flow growth8.8% a year✗
Return on invested capital4.1%✗

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About FirstRand Limited

FirstRand Limited, operating alongside its various subsidiaries, offers an extensive array of financial products and services. These encompass banking operations, transactional solutions, lending facilities, investment opportunities, and insurance coverage. The company boasts a significant geographical presence, serving clients across South Africa, the broader African continent, the United Kingdom, and other…

Banks

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 2, 2026. How the Payback Price works