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Firstrand Ltd

Firstrand Ltd

FSR · JSE · Financial Services / Banks - Diversified

9,585.00ZAC-110.00 (-1.13%)

Price History

Full chart

Market Stats

Previous Close9,695.00
Open9,680.00
Day Range9,491.00 – 9,786.00
52-Week Range7,365.19 – 9,972.80
Volume8.75M
Market Cap510.93B
P/E (TTM)13.35
Forward P/E8.73
EPS6.88
Dividend Yield6.10%
Beta0.54
50-Day Avg9,251.08
200-Day Avg9,297.88

About

FirstRand Limited, together with its subsidiaries, provides transactional, lending, investment and insurance products and solutions in South Africa, rest of Africa, the United Kingdom, rest of Europe, Asia, the Americas, and Australia. It operates in Retail and Commercial, Corporate and Institutional, and Centre segments. The company offers savings and investment products; mortgage loans and commercial property finance; credit and debit cards; personal loans; debtor and leveraged finance; securities-based lending; foreign exchange; funeral, credit life, life, and short term insurance policies; and various services, including transactional and deposit taking, card-acquiring, credit facilities, insurance, trust and fiduciary services, rewards programme, FNB Connect, merchant services, and cash management solutions. It also provides vehicle finance and fleet management; and value-added products and services related to vehicle ownership comprising maintenance and service plans, warranties, and credit life and shortfall cover. In addition, the company offers corporate finance, leveraged finance, resource sector solutions, infrastructure sector solutions, real estate finance, debt capital markets, debt trade solutions, sponsor services, corporate broking, loan syndications, coverage, advisory, corporate transactional banking, and principal investments, as well as market-making and financial risk management solutions. It serves retail, small and medium-sized enterprises, business, agriculture, medium corporate, and public sector entities. The company was incorporated in 1966 and is based in Sandton, South Africa.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMs. Mary Seemane Vilakazi B.Com., BCom (Hons), C.A., CA(SA), HDip Auditing
  • Employees51.71K
  • Headquarters4 Merchant Place, Sandton, South Africa, 2196, South Africa
  • Websitehttps://www.firstrand.co.za

Leadership

  • Ms. Mary Seemane Vilakazi B.Com., BCom (Hons), C.A., CA(SA), HDip AuditingCEO & Executive Director · b. 1977
  • Mr. Markos George Davias B.Com., C.A.CFO & Executive Director · b. 1981
  • Mr. Hetash Surendrakumar Kellan B.Com., BCom (Hons), C.A., CA(SA)Chief Executive Officer of Retail & Commercial segment and FNB · b. 1971
  • Mr. Sizwe NxedlanaCEO of FNB Private
  • Ms. Lytania JohnsonCEO of RBB & FNB
  • Mr. Gert Christoffel Petrus Kruger B.Com., C.A., M.Sc.Group Chief Operating Officer · b. 1973
  • Ms. Sam A. Moss BA (Hons), MA (UK)Head of Investor Relations · b. 1960
  • Ms. Carnita Low B.A., L.L.B., L.L.M., LLM-Tax, M.B.A.Head of Governance, Ethics & Legal and Company Secretary
  • Mr. Tswelo KodisangChief People Officer
  • Mr. Andries Willem Du ToitChief Value Officer

Financials

Income Statement

Currency: ZAR2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue33.86B66.41B66.41B76.38B98.01B82.14B85.35B37.76B70.61B73.31B82.50B96.83B111.17B125.92B139.84B153.83B177.63B171.06B159.48B166.37B131.99B257.55B270.30B132.90B
Growth (%)-+96.11%0.00%+15.01%+28.32%-16.19%+3.91%-55.76%+87.00%+3.84%+12.53%+17.37%+14.81%+13.27%+11.05%+10.00%+15.47%-3.70%-6.77%+4.32%-20.67%+95.13%+4.95%-50.83%
Cost of Revenue21.19B--16.79B28.68B36.89B42.55B52.90B24.60B24.58B30.28B33.27B39.70B49.73B58.26B63.71B75.56B83.82B56.58B49.84B75.46B118.73B124.43B99.24B
Gross Profit12.68B11.03B9.50B59.58B69.33B45.25B42.80B13.97B46.01B48.73B52.22B63.56B71.46B76.19B81.59B90.12B102.08B87.24B102.90B116.53B131.99B138.82B145.87B144.73B
Gross Margin37.43%16.61%14.30%78.01%70.74%55.09%50.15%37.01%65.16%66.47%63.29%65.64%64.28%60.50%58.34%58.58%57.47%51.00%64.52%70.04%100.00%53.90%53.97%108.90%
Operating Expense3.16B48.00M-1.48B45.84B54.31B31.71B33.48B966.00M27.18B31.39B32.97B39.11B43.15B46.96B49.47B54.94B61.64B63.64B67.15B71.19B74.57B88.23B90.94B91.09B
Operating Income9.52B10.98B10.98B13.74B15.02B13.54B9.32B13.01B18.83B17.34B19.25B24.45B28.32B29.23B32.12B35.19B40.44B23.60B35.75B45.34B57.42B50.59B54.94B53.64B
Operating Margin28.11%16.53%16.53%17.99%15.33%16.48%10.92%34.45%26.66%23.65%23.33%25.25%25.47%23.21%22.97%22.87%22.77%13.80%22.42%27.25%43.50%19.64%20.32%40.36%
EBITDA10.14B10.33B10.33B14.66B15.88B14.56B10.69B1.43B20.39B19.46B21.26B26.59B30.51B31.75B35.10B38.38B43.33B27.71B40.98B50.17B57.42B55.69B59.69B56.63B
EBITDA Margin29.93%15.55%15.55%19.20%16.20%17.73%12.53%3.79%28.88%26.55%25.77%27.46%27.45%25.21%25.10%24.95%24.39%16.20%25.69%30.15%43.50%21.62%22.08%42.61%
Net Income5.68B7.21B7.21B9.10B11.86B11.22B6.96B9.79B20.37B13.47B15.08B18.73B21.93B22.91B24.93B27.01B30.88B18.17B27.52B33.60B45.23B39.71B43.54B37.47B
Net Income Margin16.76%10.85%10.85%11.91%12.10%13.66%8.16%25.92%28.84%18.37%18.28%19.34%19.73%18.19%17.83%17.56%17.38%10.62%17.26%20.20%34.26%15.42%16.11%28.19%
Interest Expense562.00M13.51B13.92B15.38B25.82B31.83B34.53B22.47B20.82B19.45B25.39B27.97B34.46B42.53B50.20B55.14B65.06B59.44B42.92B42.76B84.79B106.17B110.38B85.26B
Interest Expense % of Total Revenue1.66%20.34%20.96%20.14%26.35%38.75%40.45%59.50%29.49%26.53%30.78%28.89%31.00%33.77%35.90%35.85%36.62%34.75%26.91%25.70%64.24%41.22%40.84%64.15%

Balance Sheet

Currency: ZAR2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets304.00B323.45B473.13B576.81B717.89B817.68B807.76B845.24B697.93B769.76B869.67B945.53B1.06T1.15T1.22T1.53T1.67T1.93T1.89T2.00T2.29T2.37T2.59T2.74T
Total Liabilities285.56B302.90B430.08B540.28B674.34B768.99B757.75B786.28B633.71B699.96B790.04B857.32B960.66B1.04T1.10T1.40T1.52T1.77T1.72T1.82T2.10T2.15T2.35T2.52T
Total Equity18.44B20.55B43.04B33.56B39.88B46.31B47.91B55.95B61.15B67.04B76.70B85.03B95.30B104.26B113.40B126.79B140.41B147.77B163.26B176.43B194.15B212.94B235.55B216.05B
Cash29.25B25.10B36.55B30.32B46.95B48.49B57.27B27.07B34.24B39.24B51.73B62.91B67.75B66.24B70.42B99.02B104.66B137.05B136.42B145.70B175.30B162.87B126.07B105.30B
Total Debt--------6.69B40.78B113.06B144.31B168.27B163.45B301.05B251.24B272.47B264.70B57.44B206.98B53.44B235.21B237.15B72.39B
Net Debt-29.25B-25.10B-36.55B-30.32B-46.95B-48.49B-57.27B-27.07B-27.55B1.54B61.33B81.40B100.52B97.21B123.70B152.21B167.81B127.65B92.00B61.28B-158.44B72.34B111.08B-32.91B

Cash Flow

Currency: ZAR2004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow30.00M13.59B2.88B9.37B7.12B9.76B9.65B12.15B4.24B13.84B11.88B4.40B-7.63B8.72B29.18B7.73B39.85B-73.53B-51.85B47.66B18.69B-119.32B59.52B
Investing Cash Flow-7.97B-18.28B-282.00M-9.89B-8.58B-5.11B162.00M1.78B-3.76B-3.20B-4.19B-2.55B-902.00M-2.86B-11.23B-2.27B-5.68B-3.01B-3.30B-4.29B-5.99B-5.31B-214.70B
Financing Cash Flow3.10B2.31B7.00B-102.00M3.13B-906.00M1.08B-6.72B3.46B304.00M4.34B2.73B5.75B-896.00M9.33B1.08B-3.88B81.28B59.15B-8.49B2.81B130.64B180.89B
Capital Expenditure1.66B627.00M1.26B2.34B4.73B4.96B2.20B2.99B4.46B4.55B4.12B4.52B4.43B5.01B4.16B4.19B5.96B3.16B3.27B5.19B6.36B5.31B5.29B
Free Cash Flow-1.63B12.96B1.62B7.03B2.39B4.80B7.46B9.17B-219.00M9.29B7.76B-116.00M-12.06B3.70B25.01B3.54B33.89B-76.69B-55.12B42.47B50.97B-124.63B54.23B
Dividends Paid---------6.50B8.96B-12.95B13.65B15.39B16.60B2.07B6.95B18.23B29.11B23.68B25.99B30.01B
FCF to OCF-5426.67%95.39%56.22%75.01%33.51%49.18%77.24%75.42%-5.17%67.09%65.35%-2.64%158.02%42.47%85.73%45.83%85.03%104.30%106.30%89.11%272.76%104.45%91.12%
Dividend Paid to FCF---------69.94%115.40%--107.36%368.72%61.52%468.61%6.10%-9.06%-33.07%68.55%46.45%-20.86%55.34%

Earnings

Report DateAug 28, 2007Sep 10, 2026Mar 4, 2027
EPS Estimate0.01--
EPS Actual0.35--
Surprise3400.00%--
TimingAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap510.93B
Enterprise Value508.67B
Trailing P/E13.35
Forward P/E8.73
PEG Ratio48.46
Price / Sales3.84
Price / Book2.13
EPS6.88
Book Value43.17
Revenue (TTM)132.90B
Gross Profit (TTM)131.01B
Profit Margin28.19%
Operating Margin38.87%
Return on Equity17.14%
Return on Assets1.57%
Shares Outstanding5.56B
Shares Float5.55B
Beta0.54
Dividend Yield6.10%
Dividend Rate5.60
Payout Ratio73.59%

Dividends

20261×
259.00Mar 31, 2026
20252×
247.00Oct 8, 2025219.00Apr 2, 2025
20242×
215.00Oct 9, 2024200.00Mar 26, 2024
20232×
195.00Oct 11, 2023189.00Mar 29, 2023
20222×
125.00Oct 12, 2022157.00Mar 30, 2022
20212×
153.00Oct 13, 2021110.00Mar 30, 2021
20201×
146.00Apr 1, 2020
20192×
152.00Sep 25, 2019139.00Apr 3, 2019
20182×
145.00Oct 3, 2018130.00Mar 27, 2018
20172×
136.00Oct 4, 2017119.00Mar 29, 2017
20162×
118.00Oct 5, 2016108.00Mar 24, 2016
20152×
117.00Oct 5, 20154.29Mar 23, 2015
20142×
4.36Oct 6, 201477.00Mar 24, 2014

Stock Splits

  • May 16, 2005231:250
  • Apr 6, 1998639:590
  • Apr 14, 199710:1
  • Mar 10, 19972188:2187