RMB Holdings Ltd (RMH) fair value: what the stock is really worth
As of Oct 14, 2026: fair value of RMB Holdings Ltd ZAR 0.33, price ZAR 0.57, upside -42.1%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range R0.3500 – R1.85 · fair‑value band R0.2400 – R0.4900 · the R0.5700 price screens above the R0.3300 fair value. Dashed = 300-day average. As of Oct 2, 2026.
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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.
Stock analysis
RMB Holdings Ltd (RMH) currently trades at R0.5700, while our model-based Fair Value estimate is R0.3300, 42.1% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the data coverage at low.
Scenario range: R0.2400 (bear) to R0.4900 (bull), the price of R0.5700 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
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.
Key figures
Market cap 789M ZAC · P/S ratio 8.77 · EPS (TTM) R−0.1800 · Net margin −277% · Return on equity −32.7% · Return on assets (EBIT) −6.4% · Operating margin −229% · Revenue growth (YoY) −22.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 43% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −42%, RMH screens richer than that median.
Fair Value models
BearR0.2400Fair Value R0.3300BullR0.4900
Price R0.5700 · Upside -42.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.0/100
Revenue growth is weak, negative or inconsistent.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−73.0%
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−24.9%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
97.8% (2019) → −338.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1053 stocks
Beats the industry median on 3/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score43 · Bottom 25%
Fair Value upside−42.1% · Bottom 25%
Profitability
Return on assets4.0% · Top 25%
Growth and dividend
Revenue growth−22.2% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/B0.07× · Cheapest 25%
P/S (12 months)0.53× · Cheapest 25%
PEG68.54× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)0· sector 50
PAST (return on equity)0· sector 41
HEALTH (low debt)100· sector 84
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is RMB Holdings Ltd (RMH) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of R0.3300 versus a price of R0.5700, about −42% upside (overvalued).
What is the fair value of RMH?
Our model-based fair value for RMB Holdings Ltd is R0.3300 (as of Oct 2, 2026), built from audited fundamentals. The current price: R0.5700.
What is the quality score of RMH?
RMB Holdings Ltd has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for RMB Holdings Ltd (RMH)?
Our model-based price target is the fair value of R0.3300 (as of Oct 2, 2026) from 1 valuation models. Cautious scenario R0.2400, optimistic scenario R0.4900. It is a calculation from audited fundamentals, not an analyst target.
What is the RMB Holdings Ltd stock forecast for 2026?
Our models put fair value at R0.3300, about −42% upside versus a price of R0.5700 (overvalued). Cautious scenario R0.2400, optimistic scenario R0.4900. The calculation is refreshed regularly with new filings.
What is the intrinsic value of RMB Holdings Ltd (RMH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For RMB Holdings Ltd it is R0.3300 per share (as of Oct 2, 2026), against a price of R0.5700. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is RMB Holdings Ltd stock overvalued or undervalued in 2026?
As of Oct 2, 2026, RMH trades above its calculated fair value: price R0.5700, fair value R0.3300, a gap of about −42% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RMH?
No. The price is what the market pays today (R0.5700); the fair value is what the company's own numbers justify (R0.3300). For RMB Holdings Ltd the two are R0.2400 per share apart. That gap is exactly why we show both numbers side by side.
How much is RMB Holdings Ltd worth?
The market values RMB Holdings Ltd at about 789M ZAC (market capitalisation, as of Oct 2, 2026). Per share that is R0.5700; our models calculate a fair value of R0.3300 per share.
What do the bullish and bearish scenarios say about RMH?
Our models span a range for RMB Holdings Ltd: cautious scenario R0.2400, base R0.3300, optimistic R0.4900 per share (as of Oct 2, 2026, price R0.5700). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of RMH?
The PEG ratio of RMB Holdings Ltd is 68.54 (P/E divided by earnings growth, as of Oct 2, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of RMB Holdings Ltd (RMH)?
Balance-sheet figures for RMB Holdings Ltd (as of Oct 2, 2026): return on equity −32.7%. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is RMH from its 52-week high?
RMB Holdings Ltd trades at R0.5700, about 5% below its 52-week high of R0.6000 and 43% above the low of R0.4000 (as of Oct 14, 2026). Distance from the high says nothing about value: that is what the fair value of R0.3300 is for.
Which stocks are comparable to RMB Holdings Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is RMB Holdings Ltd stock attractive at the current price?
The data as of Oct 2, 2026: price R0.5700, calculated fair value R0.3300 (−42%), Quality Score 43/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RMH calculated?
We run RMB Holdings Ltd through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R0.3300, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. RMB Holdings Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of RMB Holdings Ltd (RMH)?
The closing price on Oct 14, 2026 was R0.5700. Our model-based fair value is R0.3300, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with RMB Holdings Ltd right now?
The price sits above even our optimistic bull case (R0.4900). The favourable scenario is already priced in. Weak quality (43/100) 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.
Key figures of RMB Holdings Ltd
How large is the market capitalisation of RMB Holdings Ltd (RMH)?
The market capitalisation of RMB Holdings Ltd is 789M ZAC. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of RMB Holdings Ltd (RMH)?
The price-to-sales ratio of RMB Holdings Ltd is 8.77 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of RMB Holdings Ltd (RMH)?
Earnings per share at RMB Holdings Ltd are R−0.1800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of RMB Holdings Ltd (RMH)?
The net margin of RMB Holdings Ltd is −277% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of RMB Holdings Ltd (RMH)?
The return on equity (ROE) of RMB Holdings Ltd is −32.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of RMB Holdings Ltd (RMH)?
On an EBIT basis the return on assets of RMB Holdings Ltd is −6.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of RMB Holdings Ltd (RMH)?
The operating margin of RMB Holdings Ltd is −229% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at RMB Holdings Ltd (RMH)?
Revenue at RMB Holdings Ltd is growing −22.2% versus a year earlier (3y avg −73.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at RMB Holdings Ltd (RMH)?
Earnings per share at RMB Holdings Ltd are growing −13.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does RMB Holdings Ltd (RMH) generate?
The free cash flow of RMB Holdings Ltd is −24.0M ZAC (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does RMB Holdings Ltd (RMH) hold?
RMB Holdings Ltd holds more cash than debt, 26.0M ZAC net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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