Stanbic IBTC Holdings Valuation
Is STANBIC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of STANBIC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: STANBIC (NGN45) is trading above our estimate of fair value (NGN42.84)
Significantly Below Fair Value: STANBIC is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for STANBIC?
Other financial metrics that can be useful for relative valuation.
| What is STANBIC's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | ₦583.06b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 0.3x |
Price to Earnings Ratio vs Peers
How does STANBIC's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 13.8x | ||
UCAP United Capital | 7.9x | n/a | ₦99.6b |
ETRANZACT eTranzact International | 26.1x | n/a | ₦57.5b |
INVEX A INVEX Controladora. de | 12.8x | n/a | Mex$13.4b |
OMVS Oman International Development and Investment Company SAOG | 8.2x | n/a | ر.ع270.7m |
STANBIC Stanbic IBTC Holdings | 4.2x | 13.3% | ₦583.1b |
Price-To-Earnings vs Peers: STANBIC is good value based on its Price-To-Earnings Ratio (4.2x) compared to the peer average (13.8x).
Price to Earnings Ratio vs Industry
How does STANBIC's PE Ratio compare vs other companies in the African Diversified Financial Industry?
Price-To-Earnings vs Industry: STANBIC is good value based on its Price-To-Earnings Ratio (4.2x) compared to the African Diversified Financial industry average (7.7x).
Price to Earnings Ratio vs Fair Ratio
What is STANBIC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 4.2x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate STANBIC's Price-To-Earnings Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | ₦45.00 | ₦60.94 +35.4% | 20.3% | ₦72.90 | ₦40.46 | n/a | 4 |
| Apr ’25 | ₦56.00 | ₦60.46 +8.0% | 18.4% | ₦72.90 | ₦40.46 | n/a | 5 |
| Mar ’25 | ₦54.75 | ₦60.46 +10.4% | 18.4% | ₦72.90 | ₦40.46 | n/a | 5 |
| Feb ’25 | ₦65.00 | ₦60.46 -7.0% | 18.4% | ₦72.90 | ₦40.46 | n/a | 5 |
| Jan ’25 | ₦69.65 | ₦60.46 -13.2% | 18.4% | ₦72.90 | ₦40.46 | n/a | 5 |
| Dec ’24 | ₦62.05 | ₦56.32 -9.2% | 15.9% | ₦68.00 | ₦40.46 | n/a | 5 |
| Nov ’24 | ₦75.00 | ₦56.32 -24.9% | 15.9% | ₦68.00 | ₦40.46 | n/a | 5 |
| Oct ’24 | ₦78.00 | ₦60.28 -22.7% | 7.8% | ₦68.00 | ₦55.30 | n/a | 4 |
| Sep ’24 | ₦64.00 | ₦47.85 -25.2% | 15.6% | ₦55.30 | ₦40.40 | n/a | 2 |
| Aug ’24 | ₦69.50 | ₦45.90 -34.0% | 14.6% | ₦55.30 | ₦40.40 | n/a | 3 |
| Jul ’24 | ₦54.00 | ₦45.90 -15.0% | 14.6% | ₦55.30 | ₦40.40 | n/a | 3 |
| Jun ’24 | ₦40.00 | ₦46.27 +15.7% | 15.6% | ₦56.40 | ₦40.40 | n/a | 3 |
| May ’24 | ₦37.05 | ₦46.27 +24.9% | 15.6% | ₦56.40 | ₦40.40 | n/a | 3 |
| Apr ’24 | ₦37.60 | ₦44.97 +19.6% | 18.7% | ₦56.40 | ₦36.50 | ₦56.00 | 3 |
| Mar ’24 | ₦41.70 | ₦45.37 +8.8% | 17.6% | ₦56.40 | ₦37.70 | ₦54.75 | 3 |
| Feb ’24 | ₦34.30 | ₦45.37 +32.3% | 17.6% | ₦56.40 | ₦37.70 | ₦65.00 | 3 |
| Jan ’24 | ₦33.45 | ₦43.20 +29.1% | 10.6% | ₦48.90 | ₦37.70 | ₦69.65 | 3 |
| Dec ’23 | ₦30.55 | ₦42.98 +40.7% | 9.3% | ₦48.90 | ₦37.70 | ₦62.05 | 4 |
| Nov ’23 | ₦28.00 | ₦41.63 +48.7% | 5.5% | ₦43.50 | ₦37.70 | ₦75.00 | 4 |
| Oct ’23 | ₦30.00 | ₦41.63 +38.7% | 5.5% | ₦43.50 | ₦37.70 | ₦78.00 | 4 |
| Sep ’23 | ₦31.00 | ₦41.63 +34.3% | 5.5% | ₦43.50 | ₦37.70 | ₦64.00 | 4 |
| Aug ’23 | ₦28.40 | ₦41.93 +47.6% | 5.6% | ₦43.93 | ₦38.00 | ₦69.50 | 4 |
| Jul ’23 | ₦33.55 | ₦41.93 +25.0% | 5.6% | ₦43.93 | ₦38.00 | ₦54.00 | 4 |
| Jun ’23 | ₦33.50 | ₦43.57 +30.1% | 8.9% | ₦50.12 | ₦38.00 | ₦40.00 | 5 |
| May ’23 | ₦35.50 | ₦45.12 +27.1% | 9.7% | ₦51.00 | ₦38.00 | ₦37.05 | 6 |
| Apr ’23 | ₦34.15 | ₦43.32 +26.8% | 14.0% | ₦51.00 | ₦34.00 | ₦37.60 | 6 |
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.