PSG Financial Services Limited (JSE:KST)

PSG Financial Services Statistics

Total Valuation

JSE:KST has a market cap or net worth of ZAR 30.21 billion.

Market Cap	30.21B
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, October 13, 2025.

Earnings Date	Oct 13, 2025
Ex-Dividend Date	Nov 5, 2025

Share Statistics

JSE:KST has 1.24 billion shares outstanding. The number of shares has decreased by -0.86% in one year.

Current Share Class	1.24B
Shares Outstanding	1.24B
Shares Change (YoY)	-0.86%
Shares Change (QoQ)	-0.58%
Owned by Insiders (%)	21.15%
Owned by Institutions (%)	40.89%
Float	981.57M

Valuation Ratios

The trailing PE ratio is 21.37 and the forward PE ratio is 19.60.

PE Ratio	21.37
Forward PE	19.60
PS Ratio	3.23
PB Ratio	5.14
P/TBV Ratio	7.49
P/FCF Ratio	17.64
P/OCF Ratio	17.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.04, with a Debt / Equity ratio of 0.05.

Current Ratio	0.04
Quick Ratio	0.04
Debt / Equity	0.05
Debt / EBITDA	n/a
Debt / FCF	0.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 28.25%.

Return on Equity (ROE)	28.25%
Return on Assets (ROA)	1.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	2.83M
Profits Per Employee	436,109
Employee Count	3,304
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

In the past 12 months, JSE:KST has paid 595.80 million in taxes.

Income Tax	595.80M
Effective Tax Rate	27.42%

Stock Price Statistics

The stock price has increased by +28.13% in the last 52 weeks. The beta is 0.57, so JSE:KST's price volatility has been lower than the market average.

Beta (5Y)	0.57
52-Week Price Change	+28.13%
50-Day Moving Average	2,317.40
200-Day Moving Average	2,059.24
Relative Strength Index (RSI)	59.39
Average Volume (20 Days)	910,062

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, JSE:KST had revenue of ZAR 9.36 billion and earned 1.44 billion in profits. Earnings per share was 1.14.

Revenue	9.36B
Gross Profit	4.13B
Operating Income	2.17B
Pretax Income	2.17B
Net Income	1.44B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.14

Balance Sheet

The company has 2.05 billion in cash and 267.45 million in debt, giving a net cash position of 1.78 billion or 1.43 per share.

Cash & Cash Equivalents	2.05B
Total Debt	267.45M
Net Cash	1.78B
Net Cash Per Share	1.43
Equity (Book Value)	5.88B
Book Value Per Share	4.18
Working Capital	-117.93B

Cash Flow

In the last 12 months, operating cash flow was 1.76 billion and capital expenditures -51.55 million, giving a free cash flow of 1.71 billion.

Operating Cash Flow	1.76B
Capital Expenditures	-51.55M
Free Cash Flow	1.71B
FCF Per Share	1.38

Margins

Gross margin is 44.08%, with operating and profit margins of 23.19% and 15.39%.

Gross Margin	44.08%
Operating Margin	23.19%
Pretax Margin	23.21%
Profit Margin	15.39%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.30%

Dividends & Yields

This stock pays an annual dividend of 0.52, which amounts to a dividend yield of 2.14%.

Dividend Per Share	0.52
Dividend Yield	2.14%
Dividend Growth (YoY)	20.88%
Years of Dividend Growth	11
Payout Ratio	45.19%
Buyback Yield	0.86%
Shareholder Yield	3.00%
Earnings Yield	4.77%
FCF Yield	5.67%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4