STANDARD CHARTERED PLC (STD.DE) Stock Fundamental Analysis
FRA:STD • GB0004082847
21 EUR
+0.2 (+0.96%)
Last: Feb 12, 2026, 07:00 PM
Taking everything into account, STD scores 4 out of 10 in our fundamental rating. STD was compared to 109 industry peers in the Banks industry. Both the profitability and financial health of STD have multiple concerns. STD has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year STD was profitable.
- STD had a positive operating cash flow in the past year.
- In the past 5 years STD has always been profitable.
- In multiple years STD reported negative operating cash flow during the last 5 years.
1.2 Ratios
- STD has a Return On Assets of 0.74%. This is comparable to the rest of the industry: STD outperforms 47.37% of its industry peers.
- With a Return On Equity value of 12.50%, STD perfoms like the industry average, outperforming 58.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 12.5% | ||
| ROIC | N/A |
ROA(3y)0.37%
ROA(5y)0.27%
ROE(3y)6.08%
ROE(5y)4.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 20.68%, STD is not doing good in the industry: 63.16% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.95%
PM growth 5Y8.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
- Compared to 5 years ago, STD has less shares outstanding
- Compared to 1 year ago, STD has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of STD is 7.68, which is on the high side as it means it would take STD, 7.68 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of STD (7.68) is better than 85.09% of its industry peers.
- A Debt/Equity ratio of 2.98 is on the high side and indicates that STD has dependencies on debt financing.
- With a Debt to Equity ratio value of 2.98, STD is not doing good in the industry: 74.56% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.98 | ||
| Debt/FCF | 7.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- STD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.12%, which is quite impressive.
- The Earnings Per Share has been growing by 18.39% on average over the past years. This is quite good.
- STD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.12%.
- Measured over the past years, STD shows a small growth in Revenue. The Revenue has been growing by 5.19% on average per year.
EPS 1Y (TTM)30.12%
EPS 3Y29.48%
EPS 5Y18.39%
EPS Q2Q%31.01%
Revenue 1Y (TTM)8.12%
Revenue growth 3Y10.36%
Revenue growth 5Y5.19%
Sales Q2Q%-0.99%
3.2 Future
- Based on estimates for the next years, STD will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.91% on average per year.
- STD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.21% yearly.
EPS Next Y36.64%
EPS Next 2Y20.38%
EPS Next 3Y19.01%
EPS Next 5Y8.91%
Revenue Next Year7.92%
Revenue Next 2Y5.57%
Revenue Next 3Y5.39%
Revenue Next 5Y4.21%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- STD is valuated reasonably with a Price/Earnings ratio of 11.60.
- Compared to the rest of the industry, the Price/Earnings ratio of STD is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of STD to the average of the S&P500 Index (26.68), we can say STD is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.56, the valuation of STD can be described as very reasonable.
- STD's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. STD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.6 | ||
| Fwd PE | 10.56 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of STD indicates a rather cheap valuation: STD is cheaper than 87.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- STD's earnings are expected to grow with 19.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)0.63
EPS Next 2Y20.38%
EPS Next 3Y19.01%
5. Dividend
5.1 Amount
- No dividends for STD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:STD (2/12/2026, 7:00:00 PM)
21
+0.2 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-24 2026-02-24/amc
Inst Owners77.01%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap47.33B
Revenue(TTM)33.05B
Net Income(TTM)6.78B
Analysts72.22
Price Target21.89 (4.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.26
Dividend Growth(5Y)6.72%
DP13.27%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.3%
Min EPS beat(2)6.58%
Max EPS beat(2)18.02%
EPS beat(4)3
Avg EPS beat(4)6.19%
Min EPS beat(4)-14.24%
Max EPS beat(4)18.02%
EPS beat(8)5
Avg EPS beat(8)5.49%
EPS beat(12)8
Avg EPS beat(12)0.98%
EPS beat(16)11
Avg EPS beat(16)-4.55%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)12.98%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.09%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.6 | ||
| Fwd PE | 10.56 | ||
| P/S | 1.71 | ||
| P/FCF | 2.67 | ||
| P/OCF | 2.5 | ||
| P/B | 1.04 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.81
EY8.62%
EPS(NY)1.99
Fwd EY9.47%
FCF(TTM)7.86
FCFY37.43%
OCF(TTM)8.4
OCFY39.98%
SpS12.26
BVpS20.28
TBVpS18.01
PEG (NY)0.32
PEG (5Y)0.63
Graham Number28.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 12.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.68% | ||
| GM | N/A | ||
| FCFM | 64.12% |
ROA(3y)0.37%
ROA(5y)0.27%
ROE(3y)6.08%
ROE(5y)4.51%
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 3Y11.95%
PM growth 5Y8.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.98 | ||
| Debt/FCF | 7.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 124.35% | ||
| Cap/Sales | 4.38% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 310.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC3.8%
ROIC/WACCN/A
Cap/Depr(3y)135.92%
Cap/Depr(5y)N/A
Cap/Sales(3y)8.13%
Cap/Sales(5y)8.21%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.12%
EPS 3Y29.48%
EPS 5Y18.39%
EPS Q2Q%31.01%
EPS Next Y36.64%
EPS Next 2Y20.38%
EPS Next 3Y19.01%
EPS Next 5Y8.91%
Revenue 1Y (TTM)8.12%
Revenue growth 3Y10.36%
Revenue growth 5Y5.19%
Sales Q2Q%-0.99%
Revenue Next Year7.92%
Revenue Next 2Y5.57%
Revenue Next 3Y5.39%
Revenue Next 5Y4.21%
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 1Y-32.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-31.06%
OCF growth 3YN/A
OCF growth 5YN/A
STANDARD CHARTERED PLC / STD.DE 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 0 / 10 and the dividend payout ratio is 13.27%.