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FirstRand Limited (FANDF) Fair Value & Analysis

Financial Services · US · Market cap $31.3B

Price$5.60
Fair Value$6.12
Upside+9.3%
Quality95/100
Evidence: High Range $4.59 – $7.65

Fair value as of: Jun 25, 2026

Analysis

FirstRand Limited (FANDF) currently trades at $5.60, while our model-based Fair Value estimate is $6.12 — implying the stock looks roughly 9.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

FirstRand Limited, together with its subsidiaries, provides transactional, lending, investment, and insurance products and services in South Africa, rest of Africa, the United Kingdom, and internationally. It operates in Retail and Commercial, and Corporate and Institutional segments. The company offers deposits 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; and vehicle finance, instalment credit and fleet management, and corporate and investment banking services. In addition, the company offers asset management, as well as vehicle-related insurance services. Further, it provides franchise advisory, market risk management, capital market flow, and trading and structuring services. It serves retail and public sector customers, small and medium-sized enterprises, businesses, agricultural industry, medium corporates, and institutions. The comp…

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Frequently asked questions

Is FirstRand Limited (FANDF) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $6.12 versus a price of $5.60 — about +9% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FANDF?
Our 21-model fair value for FirstRand Limited is $6.12 (as of Jun 25, 2026), built from audited fundamentals. The current price is $5.60.
What is the quality score of FANDF?
FirstRand Limited has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.