Finbond Group (FGL) Fair Value & Analysis
Financial Services · ZA · Market cap 446M ZAC
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 20 days ago
Fair value updated Jun 26, 2026, revised from R1.92 to R1.80 (−6.3%) since Jun 24, 2026. Share price −12.6% over the past month.
Price vs Fair Value (12 months)
12‑month range R0.8500 – R1.45 · fair‑value band R1.35 – R2.25 · the R0.9000 price screens below the R1.80 fair value. As of Jun 26, 2026.
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Finbond Group (FGL) currently trades at R0.9000, while our model-based Fair Value estimate is R1.80, implying the stock looks roughly 100.0% undervalued today. We read business quality at 51/100 (solid 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.
Over the trailing twelve months, Finbond Group generated revenue of 1.8B ZAR at a net margin of 3.9%. Revenue declined 2.2% year over year. It earns a return on equity of 11.4%. Net debt stands at 2.7B ZAR. Fundamentals as of Jun 26, 2026
Our scenario range runs from R1.35 (bear case) to R2.25 (bull case); at R0.9000, the current price sits below that range. For context, the median of 10 Financial Services peers we cover trades at 57% fair-value upside, at 100%, FGL screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Finbond Group Limited operates as a financial services institution in North America and South Africa. The company operates through Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking segments. The company offers short-term consumer lending services; transactional banking products; personal banking; overdraft facility; business banking products, such as commercial, business, and small enterprise accounts; business credit services; savings and investment products; online and mobile banking; and secured lending, as well as insurance products. Finbond Group Limited was incorporated in 2001 and is headquartered in Pretoria, the Republic of South Africa.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Finbond Group reported revenue of R1.5B in FY2026 versus R1.5B in FY2022, a compound −1.1%/yr. Reported net income was R69.4M in FY2026.
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.