FirstRand Limited (FANDF)
ValueMarkers Composite Index
16% above intrinsic value ($5)
FirstRand Limited (FANDF) — VMCI valuation read
Composite valuation read on FANDF: VMCI 53/100 against a Financial Services sector median of 50. The 3-point above-median print is the headline number for FirstRand Limited, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for FANDF: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on FANDF: FANDF trades at 17.0x earnings, 6% below the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 3.5x is the binding constraint on the bear case. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
FANDF rose 2.6% over the trailing 7 days, with a -17.7% read on a 30-day basis.
FirstRand Limited, together with its subsidiaries, provides banking, transactional, lending, investment, and insurance products and services in South Africa, rest of Africa, the United Kingdom, and internationally. The company offers deposit and savings products; personal loans; and asset and invoice finance, as well as SME commercial, residential, and buy-to-let mortgages. It also provides life and short-term insurance products; card-acquiring services; and vehicle finance, installment credit and fleet management, and corporate and investment banking services. In addition, the company offers asset management, as well as vehicle-related insurance services. It serves retail, commercial, corporate, and public sector customers, as well as small business, agricultural, medium corporate, parastatal, and government entities. The company was incorporated in 1966 and is based in Sandton, South Africa.
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