FirstRand Limited

FirstRand Limited

FANDY
FirstRand LimitedUS flagOther OTC
56.63
USD
- -
- -
31.67BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
98.65
116.46
129.93
138.94
149.64
162.96
189.45
185.69
193.44
204.42
235.47
252.2
265.45
Basic EPS, GAAP
26.97
33.62
39.01
40.24
43.82
47.54
55.22
32.39
49.07
59.93
66.81
70.85
77.85
Free Cash Flow per Basic Share
17.75
14.15
-0.23
-21.51
6.6
45.3
6.31
60.43
10.2
10.93
90.8
20.74
0.89
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
Tangible Book Value per Share
133.78
150.68
167.79
181.85
197.89
205.83
231.03
242.08
281.65
306.84
335.65
371.31
416.33
Basic Weighted Avg Shares
548
549
554
561
561
561
561
561
561
561
561
560
559
Sales/Revenue/Turnover
54,082
63,879
72,026
77,915
83,919
91,391
106,261
104,136
108,485
114,615
131,999
141,344
148,468
Operating Margin (%)
37.04
39.65
40.54
38.71
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,145
2,137
2,195
2,514
2,977
3,192
3,681
4,946
5,226
4,827
4,720
5,098
4,756
Net Income, GAAP
15,082
18,728
21,933
22,905
24,928
27,012
30,971
18,166
27,520
33,599
37,450
39,709
43,540
Effective Tax Rate (%)
20.51
22.03
22.55
21.55
21.17
22.03
23.56
20.52
24.08
26.04
23.94
22.33
22.02
Profit Margin (%)
27.89
29.32
30.45
29.4
29.7
29.56
29.15
17.44
25.37
29.31
28.37
28.09
29.33
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
151,292
201,855
12,497
230,900
270,533
314,312
337,441
308,740
253,401
20,937
300,018
272,372
282,202
Total Equity
79,033
88,217
98,604
108,065
117,184
130,798
144,593
151,920
167,887
181,494
198,434
217,804
243,206
Return on Invested Capital (%)
10.34
7.57
11.25
10.49
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
26,881.82
33,527.27
38,960.36
40,291.07
43,878.57
47,608.93
55,305.36
32,439.29
49,142.86
59,998.21
66,875
70,908.93
77,750

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.46%
9.87%
11.66%
Free Cash Flow
1,118.11%
96.37%
-95.7%
Net Income, GAAP
9.57%
20.14%
9.65%
Sales/Revenue/Turnover
7.62%
7.42%
5.04%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
141,344
2025
- -
- -
- -
- -
148,468
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
70.85
2025
- -
- -
- -
- -
77.85
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Mary Seemane Vilakazi
Full Time Employees
49,751
Sector
Financial Services
Industry
Banks - Diversified
Address
4 Merchant Place Sandton South Africa 2196
IPO Date
May 2, 2013
Business
FirstRand Limited (FANDY) is a South Africa-based financial services holding company that provides a comprehensive portfolio of transactional, lending, investment, and insurance products and services to retail, commercial, corporate, and public sector customers. The group operates through key franchises including First National Bank (FNB), the retail and commercial bank offering personal banking, business accounts, credit cards, mortgages, and SME financing; Rand Merchant Bank (RMB), the corporate and investment bank delivering advisory, debt and equity capital markets, trade finance, and treasury services; WesBank, South Africa's largest instalment finance provider specializing in vehicle and asset financing; and Ashburton Investments, the asset management arm managing funds, wealth management, and alternative investments. Additional services encompass short-term and life insurance via FirstRand Insurance Holdings, as well as specialist lending through Direct Axis; the group serves customers across South Africa, eight other African countries including Botswana, Namibia, Ghana, Zambia, Mozambique, Lesotho, Tanzania, Nigeria, and Swaziland, and maintains international presence with branches in the UK (including Aldermore Bank), Guernsey, India, and representative offices in markets such as Kenya, Angola, Dubai, and Shanghai. Founded in 1998 through the merger of financial interests from Anglo American and RMB Holdings and headquartered at 4 Merchant Place in Sandton, Johannesburg, FirstRand ranks as Africa's largest listed financial services group by assets under management exceeding $100 billion and one of South Africa's top five banking groups. Recent developments include regulatory approval in June 2025 to acquire HSBC's South African corporate banking portfolio, comprising multinational and large domestic corporate clients, assets, liabilities, and staff, for integration into RMB with closure targeted by October 2025; a 20.1% stake acquisition in October 2025 in Dubai-based fintech Optasia, which specializes in AI-driven financial services for emerging markets ahead of its JSE listing; a November 2025 partnership with the African Development Bank to provide developmental funding supporting women's entrepreneurship, agriculture, climate transition, and financial inclusion initiatives in South Africa; FNB's strategic acceleration of lending growth targeting improved consumer affordability, SMEs, and expansions in Ghana and Zambia following stabilized impairments; and USD650 million in new developmental funding raised in 2024 for climate and inclusion strategies.

Company News

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