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PSG Financial Services Limited (KST) Fair Value & Analysis

Financial Services · ZA · Market cap 36.5B ZAC

Price30.57 ZAC
Fair Value6.36 ZAC
Upside-79.2%
Quality96/100
Evidence: High Range 4.77 ZAC – 7.95 ZAC

Fair value as of: Jun 26, 2026

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Analysis

PSG Financial Services Limited (KST) currently trades at 30.57 ZAC, while our model-based Fair Value estimate is 6.36 ZAC — implying the stock looks roughly 79.2% overvalued today. We read business quality at 96/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PSG Financial Services Limited, together with its subsidiaries, provides various financial services and products in South Africa and Namibia. The company operates through three segments: PSG Wealth, PSG Asset Management, and PSG Insure. The PSG Wealth segment offers portfolio management, stockbroking, local and offshore investments, estate planning, financial planning, local and offshore fiduciary, multi-managed solutions, and retirement products to individuals, families, and businesses. The PSG Asset Management segment provides various investment products, including local and global investment products. The PSG Insure segment offers personal short-term insurance products, including home, car, and household insurance; and commercial insurance products, such as business and agri-insurance. The company was formerly known as PSG Konsult Limited and changed its name to PSG Financial Services Limited in August 2023. PSG Financial Services Limited was incorporated in 1993 and is headquart…

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Frequently asked questions

Is PSG Financial Services Limited (KST) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 6.36 ZAC versus a price of 30.57 ZAC — about −79% (overvalued). Model-based estimate, not financial advice.
What is the fair value of KST?
Our 21-model fair value for PSG Financial Services Limited is 6.36 ZAC (as of Jun 26, 2026), built from audited fundamentals. The current price is 30.57 ZAC.
What is the quality score of KST?
PSG Financial Services Limited has a Quality Score of 96/100, 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.