Secure Trust Bank PLC (STB.L)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | £m | 163 | 149 | 169 | 131 | 142 | 166 | 158 | - |
| Operating profit | £m | 28 | 37 | ||||||
| Net profit | £m | 15 | 46 | 34 | 24 | 20 | -9 | 25 | 51 |
| EPS reported | £ | 0.89 | 1.25 | ||||||
| Operating cashflow per share | £ | 8.37 | -5.17 | ||||||
| Capex per share | £ | 0.09 | 0.09 | ||||||
| FCF per share | £ | 8.29 | -5.25 | ||||||
| Free cash flow | £m | 155 | 152 | ||||||
| Net debt | £m | -229 | -37 | ||||||
| Book value equity | £m | 374 | 389 | ||||||
| Book value per share | £ | 18.93 | 19.69 | ||||||
| Number of shares | m | 19.77 | 19.76 | ||||||
| DPS (TTM paid) | £ | 35.50 | 36.10 |
Financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.99 | - | ||||||
| P/B LTM | x | 0.62 | 0.60 | ||||||
| P/S LTM | x | 1.40 | 1.48 | ||||||
| P/FCF LTM | x | 1.50 | 1.53 | ||||||
| EV/EBITDA LTM | x | 0.24 | 0.18 | ||||||
| EV/Sales LTM | x | 0.02 | 0.32 | ||||||
| Earnings Yield LTM | % | +7.15% | +5.91% | ||||||
| FCF Yield | % | +66.57% | +65.53% | ||||||
| Quality | |||||||||
| ROE | % | -2.51% | +4.70% | ||||||
| ROIC | % | +0.41% | +1.20% | ||||||
| Operating margin | % | +8.11% | +36.42% | ||||||
| Gross margin | % | +31.76% | +49.53% | ||||||
| FCF/Sales | % | +45.65% | -44.42% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -11.88% | +23.76% | ||||||
| Sales Growth YoY | % | +16.61% | +10.84% | ||||||
| Net Income Growth YoY | % | - | +24.87% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -80.65% | -74.24% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.75% | +2.23% | ||||||
| Dividend Growth | % | +5.03% | +6.80% | ||||||
| Payout Ratio | % | +36.38% | -68.09% | ||||||
| FCF/Debt | x | 0.51 | 0.54 | ||||||
| Net Debt/EBITDA | x | -7.67 | -7.07 | ||||||
| EBIT/Net interest | x | 0.16 | 0.95 | ||||||
| Net debt/market cap | % | +1.29% | +1.01% | ||||||
| Net debt/Equity | x | -0.61 | -0.09 | ||||||
| Gross debt/equity | x | 0.81 | 0.72 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Secure Trust Bank PLC is a UK-based financial institution offering a diverse array of banking and financial solutions. Its operations are structured across five key divisions: Real Estate Finance, Commercial Finance, Vehicle Finance, Retail Finance, and Debt Management. The Real Estate Finance division specializes in providing capital for property ventures, including residential and commercial investments, new developments, and mixed-use projects. Within Commercial Finance, the bank offers businesses flexible working capital through invoice discounting and factoring, alongside participation in the Coronavirus Business Interruption Loan Scheme. Vehicle Finance facilitates vehicle acquisitions through hire purchase agreements, which are secured by the asset itself; these motor finance products reach customers via a network of dealerships, brokers, and online platforms. The Retail Finance arm, operating under the V12 brand, supplies unsecured point-of-sale credit solutions for both brick-and-mortar and e-commerce retailers, supporting a broad spectrum of retail sectors from cycling, music, and furniture to outdoor goods, electronics, dental services, jewelry, home improvement, and even football season ticket purchases. Debt Management offers specialized services in the area of debt recovery. Additionally, the company is involved in property leasing and rental activities. Established in 1952, Secure Trust Bank PLC maintains its corporate headquarters in Solihull, United Kingdom.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Secure Trust Bank PLC (STB.L)
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
Secure Trust Bank PLC is a UK-based financial institution offering a diverse array of banking and financial solutions. Its operations are structured across five key divisions: Real Estate Finance, Commercial Finance, Vehicle Finance, Retail Finance, and Debt Management. The Real Estate Finance division specializes in providing capital for property ventures, including residential and commercial investments, new developments, and mixed-use projects. Within Commercial Finance, the bank offers businesses flexible working capital through invoice discounting and factoring, alongside participation in the Coronavirus Business Interruption Loan Scheme. Vehicle Finance facilitates vehicle acquisitions through hire purchase agreements, which are secured by the asset itself; these motor finance products reach customers via a network of dealerships, brokers, and online platforms. The Retail Finance arm, operating under the V12 brand, supplies unsecured point-of-sale credit solutions for both brick-and-mortar and e-commerce retailers, supporting a broad spectrum of retail sectors from cycling, music, and furniture to outdoor goods, electronics, dental services, jewelry, home improvement, and even football season ticket purchases. Debt Management offers specialized services in the area of debt recovery. Additionally, the company is involved in property leasing and rental activities. Established in 1952, Secure Trust Bank PLC maintains its corporate headquarters in Solihull, United Kingdom.
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