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

FRA:STD • GB0004082847

Current stock price

18.2 EUR
+0.1 (+0.55%)
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

  • In the past year STD was profitable.
  • In the past year STD had a positive cash flow from operations.
  • In the past 5 years STD has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: STD reported negative operating cash flow in multiple 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

  • The Return On Assets of STD (0.75%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 12.83%, STD is in the better half of the industry, outperforming 63.72% of the companies in the same industry.
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

  • The Profit Margin of STD (20.84%) is worse than 63.72% of its industry peers.
  • STD's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for STD so they could not be analyzed.
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.
  • STD has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, STD has less shares outstanding
  • STD has a better debt/assets ratio than last year.
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.
  • STD has a better Debt to FCF ratio (4.61) than 86.73% of its industry peers.
  • A Debt/Equity ratio of 3.02 is on the high side and indicates that STD has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.02, STD is doing worse than 76.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 4.61
Altman-Z N/A
ROIC/WACCN/A
WACC3.82%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. STD.DE Growth Analysis

3.1 Past

  • STD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.43%, which is quite impressive.
  • STD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 44.14% yearly.
  • STD shows a small growth in Revenue. In the last year, the Revenue has grown by 5.13%.
  • STD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.20% yearly.
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

  • The Earnings Per Share is expected to grow by 5.03% on average over the next years.
  • STD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.29% yearly.
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

  • A Price/Earnings ratio of 9.38 indicates a reasonable valuation of STD.
  • Based on the Price/Earnings ratio, STD is valued a bit cheaper than the industry average as 73.45% of the companies are valued more expensively.
  • STD is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
  • STD is valuated reasonably with a Price/Forward Earnings ratio of 8.84.
  • 79.65% of the companies in the same industry are more expensive than STD, based on the Price/Forward Earnings ratio.
  • STD is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.38
Fwd PE 8.84
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

  • STD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. STD is cheaper than 95.58% of the companies in the same industry.
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

  • STD's 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

  • With a Yearly Dividend Yield of 2.87%, STD has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.66, STD is paying slightly less dividend.
  • STD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
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

  • 13.74% of the earnings are spent on dividend by STD. This is a low number and 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 (3/16/2026, 7:00:00 PM)

18.2

+0.1 (+0.55%)

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 Cap41.00B
Revenue(TTM)33.32B
Net Income(TTM)6.94B
Analysts72.22
Price Target21.6 (18.68%)
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)-8.33%
EPS NQ rev (3m)2.19%
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 9.38
Fwd PE 8.84
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)1.94
EY10.66%
EPS(NY)2.06
Fwd EY11.31%
FCF(TTM)13.72
FCFY75.41%
OCF(TTM)14.25
OCFY78.29%
SpS12.89
BVpS20.93
TBVpS18.52
PEG (NY)1.48
PEG (5Y)0.21
Graham Number30.23
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
WACC3.82%
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%.