RMB Holdings Ltd (RMH) Fair Value & Analysis
Financial Services · ZA · Market cap 680M ZAC · ISIN ZAE000024501
Risks
Fair value as of: Aug 13, 2026
From 1 valuation models · updated 16 days ago
Share price +16.0% over the past month.
Below-average quality, and trading another 76% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (R0.4900). The favourable scenario is already priced in.
- Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- A fairly wide model range (R0.2400 to R0.4900) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range R0.3500 – R1.85 · fair‑value band R0.2400 – R0.4900 · the R0.5800 price screens above the R0.3300 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
RMB Holdings Ltd (RMH) currently trades at R0.5800, while our model-based Fair Value estimate is R0.3300, implying the stock looks roughly 43.1% overvalued today. The Quality Score stands at 42/100 (below-average 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: low).
Revenue declined 22.2% year over year. It earns a return on equity of -32.7%. The balance sheet holds a net cash position of 26.0M ZAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from R0.2400 (bear case) to R0.4900 (bull case); at R0.5800, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -7% fair-value upside, at -43%, RMH screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 75
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
RMB Holdings Limited, an investment holding company, provides diversified financial services in South Africa. The company was incorporated in 1987 and is based in Midrand, South Africa.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
RMB Holdings Ltd reported revenue of 13.0M ZAR in FY2025 versus 33.3M ZAR in FY2021, a compound −21.0%/yr. Reported net income was −245M ZAR in FY2025.
RMH screens 43% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1089 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | -46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | -17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €83.42 | €77.62 | -7% |
| Mizuho Financial Group MFG | $10.45 | $9.83 | -6% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | -42% |
| The PNC Financial Services Group PNC | $244.67 | $192.40 | -21% |
| CaixaBank, S.A CABK | €13.10 | €8.85 | -32% |
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Frequently asked questions
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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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