STANDARD CHARTERED PLC (STD.DE) Fundamental Analysis & Valuation

FRA:STD • GB0004082847

Current stock price

18.1 EUR
-0.6 (-3.21%)
Last:

This STD.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. STD.DE Profitability Analysis

1.1 Basic Checks

  • STD had positive earnings in the past year.
  • In the past year STD had a positive cash flow from operations.
  • STD had positive earnings in each of the past 5 years.
  • In multiple years STD reported negative operating cash flow during the last 5 years.
STD.DE Yearly Net Income VS EBIT VS OCF VS FCFSTD.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B 30B

1.2 Ratios

  • With a Return On Assets value of 0.75%, STD perfoms like the industry average, outperforming 46.55% of the companies in the same industry.
  • STD's Return On Equity of 12.83% is fine compared to the rest of the industry. STD outperforms 60.34% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 12.83%
ROIC N/A
ROA(3y)0.43%
ROA(5y)0.37%
ROE(3y)7.17%
ROE(5y)6.06%
ROIC(3y)N/A
ROIC(5y)N/A
STD.DE Yearly ROA, ROE, ROICSTD.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 20.84%, STD is not doing good in the industry: 63.79% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of STD has grown nicely.
  • STD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.39%
PM growth 5Y57.8%
GM growth 3YN/A
GM growth 5YN/A
STD.DE Yearly Profit, Operating, Gross MarginsSTD.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

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3

2. STD.DE Health Analysis

2.1 Basic Checks

  • STD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for STD has been reduced compared to 1 year ago.
  • The number of shares outstanding for STD has been reduced compared to 5 years ago.
  • The debt/assets ratio for STD has been reduced compared to a year ago.
STD.DE Yearly Shares OutstandingSTD.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
STD.DE Yearly Total Debt VS Total AssetsSTD.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • STD has a debt to FCF ratio of 4.61. This is a neutral value as STD would need 4.61 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.61, STD belongs to the top of the industry, outperforming 87.07% of the companies in the same industry.
  • A Debt/Equity ratio of 3.02 is on the high side and indicates that STD has dependencies on debt financing.
  • STD has a Debt to Equity ratio of 3.02. This is in the lower half of the industry: STD underperforms 75.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 4.61
Altman-Z N/A
ROIC/WACCN/A
WACC3.79%
STD.DE Yearly LT Debt VS Equity VS FCFSTD.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STD.DE Yearly Current Assets VS Current LiabilitesSTD.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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4

3. STD.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.43% over the past year.
  • STD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 44.14% yearly.
  • Looking at the last year, STD shows a small growth in Revenue. The Revenue has grown by 5.13% in the last year.
  • Measured over the past years, STD shows a small growth in Revenue. The Revenue has been growing by 7.20% on average per year.
EPS 1Y (TTM)36.43%
EPS 3Y31.44%
EPS 5Y44.14%
EPS Q2Q%27.76%
Revenue 1Y (TTM)5.13%
Revenue growth 3Y8.02%
Revenue growth 5Y7.2%
Sales Q2Q%-54.03%

3.2 Future

  • STD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.03% yearly.
  • The Revenue is expected to grow by 3.29% on average over the next years.
EPS Next Y6.36%
EPS Next 2Y11.49%
EPS Next 3Y12.42%
EPS Next 5Y5.03%
Revenue Next Year4.31%
Revenue Next 2Y4.61%
Revenue Next 3Y4.82%
Revenue Next 5Y3.29%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
STD.DE Yearly Revenue VS EstimatesSTD.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
STD.DE Yearly EPS VS EstimatesSTD.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1 2 3

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6

4. STD.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.43, the valuation of STD can be described as reasonable.
  • STD's Price/Earnings ratio is a bit cheaper when compared to the industry. STD is cheaper than 70.69% of the companies in the same industry.
  • STD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.70.
  • The Price/Forward Earnings ratio is 8.85, which indicates a very decent valuation of STD.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of STD indicates a somewhat cheap valuation: STD is cheaper than 76.72% of the companies listed in the same industry.
  • STD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 9.43
Fwd PE 8.85
STD.DE Price Earnings VS Forward Price EarningsSTD.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, STD is valued cheaply inside the industry as 95.69% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.33
EV/EBITDA N/A
STD.DE Per share dataSTD.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • STD's earnings are expected to grow with 12.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.48
PEG (5Y)0.21
EPS Next 2Y11.49%
EPS Next 3Y12.42%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. STD.DE Dividend Analysis

5.1 Amount

  • STD has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.
  • STD's Dividend Yield is slightly below the industry average, which is at 4.59.
  • STD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.87%

5.2 History

Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
STD.DE Yearly Dividends per shareSTD.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • STD pays out 13.74% of its income as dividend. This is a sustainable payout ratio.
DP13.74%
EPS Next 2Y11.49%
EPS Next 3Y12.42%
STD.DE Yearly Income VS Free CF VS DividendSTD.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B 30B
STD.DE Dividend Payout.STD.DE Dividend Payout, showing the Payout Ratio.STD.DE Dividend Payout.PayoutRetained Earnings

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STD.DE Fundamentals: All Metrics, Ratios and Statistics

STANDARD CHARTERED PLC

FRA:STD (3/13/2026, 7:00:00 PM)

18.1

-0.6 (-3.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-24
Earnings (Next)04-30
Inst Owners74.93%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap40.77B
Revenue(TTM)33.32B
Net Income(TTM)6.94B
Analysts72.22
Price Target21.6 (19.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP13.74%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.09%
Min EPS beat(2)-8.08%
Max EPS beat(2)8.26%
EPS beat(4)3
Avg EPS beat(4)6.2%
Min EPS beat(4)-8.08%
Max EPS beat(4)18.02%
EPS beat(8)5
Avg EPS beat(8)7.93%
EPS beat(12)8
Avg EPS beat(12)4.05%
EPS beat(16)11
Avg EPS beat(16)4.18%
Revenue beat(2)0
Avg Revenue beat(2)-2.41%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)-1.69%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.32%
PT rev (3m)11.5%
EPS NQ rev (1m)-3.92%
EPS NQ rev (3m)7.1%
EPS NY rev (1m)0.13%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.23%
Valuation
Industry RankSector Rank
PE 9.43
Fwd PE 8.85
P/S 1.41
P/FCF 1.33
P/OCF 1.28
P/B 0.87
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)1.92
EY10.61%
EPS(NY)2.05
Fwd EY11.3%
FCF(TTM)13.64
FCFY75.37%
OCF(TTM)14.16
OCFY78.25%
SpS12.81
BVpS20.81
TBVpS18.41
PEG (NY)1.48
PEG (5Y)0.21
Graham Number29.98
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 12.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.84%
GM N/A
FCFM 106.5%
ROA(3y)0.43%
ROA(5y)0.37%
ROE(3y)7.17%
ROE(5y)6.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.39%
PM growth 5Y57.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 4.61
Debt/EBITDA N/A
Cap/Depr 115.98%
Cap/Sales 4.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 511.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC3.79%
ROIC/WACCN/A
Cap/Depr(3y)120.3%
Cap/Depr(5y)127.46%
Cap/Sales(3y)6.51%
Cap/Sales(5y)7.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.43%
EPS 3Y31.44%
EPS 5Y44.14%
EPS Q2Q%27.76%
EPS Next Y6.36%
EPS Next 2Y11.49%
EPS Next 3Y12.42%
EPS Next 5Y5.03%
Revenue 1Y (TTM)5.13%
Revenue growth 3Y8.02%
Revenue growth 5Y7.2%
Sales Q2Q%-54.03%
Revenue Next Year4.31%
Revenue Next 2Y4.61%
Revenue Next 3Y4.82%
Revenue Next 5Y3.29%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y262.04%
FCF growth 3Y38.89%
FCF growth 5Y12.19%
OCF growth 1Y279.81%
OCF growth 3Y34.4%
OCF growth 5Y11.65%

STANDARD CHARTERED PLC / STD.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of STANDARD CHARTERED PLC (STD.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to STD.DE.


Can you provide the valuation status for STANDARD CHARTERED PLC?

ChartMill assigns a valuation rating of 6 / 10 to STANDARD CHARTERED PLC (STD.DE). This can be considered as Fairly Valued.


What is the profitability of STD stock?

STANDARD CHARTERED PLC (STD.DE) has a profitability rating of 3 / 10.


Can you provide the financial health for STD stock?

The financial health rating of STANDARD CHARTERED PLC (STD.DE) is 3 / 10.


Is the dividend of STANDARD CHARTERED PLC sustainable?

The dividend rating of STANDARD CHARTERED PLC (STD.DE) is 4 / 10 and the dividend payout ratio is 13.74%.