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Secure Trust Bank PLC

Financial Services GB STB

1270.0GBX
-16.0(1.24%)

Last update at 2026-06-03T15:35:00Z

Day Range

1268.001296.00
LowHigh

52 Week Range

512.711550.00
LowHigh

Fundamentals

  • Previous Close 1286.00
  • Market Cap247.17M
  • Volume26646
  • P/E Ratio5.84
  • Dividend Yield2.67%
  • Revenue TTM133.80M
  • Revenue Per Share TTM7.16
  • Gross Profit TTM 133.80M
  • Diluted EPS TTM2.26

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 27.50M 29.20M 36.10M 39.00M 56.00M
Minority interest - - - - -
Net income -9.40000M 19.70M 24.30M 33.70M 45.60M
Selling general administrative 63.70M 37.10M 40.90M - 43.80M
Selling and marketing expenses - - 60.30M - -
Gross profit 107.70M 142.10M 321.30M 170.40M 164.50M
Reconciled depreciation - 3.40M 2.80M 3.30M 3.50M
Ebit 27.50M - 36.10M 93.50M 56.00M
Ebitda 29.40M 39.40M -6.50000M 96.80M 59.50M
Depreciation and amortization 1.90M - -42.60000M 3.30M 3.50M
Non operating income net other - - - - -
Operating income 27.50M 142.10M 42.30M 93.50M 56.00M
Other operating expenses 311.60M 3.10M 105.70M 93.20M 104.00M
Interest expense 173.40M 166.50M 10.70M 50.40M 33.20M
Tax provision - 9.50M 9.70M 9.40M 10.40M
Interest income - 351.40M 285.20M 203.00M 184.00M
Net interest income - 184.90M 167.50M 152.60M 150.80M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 9.90M 9.50M 9.70M 9.40M 10.40M
Total revenue 339.10M 142.10M 141.80M 170.40M 164.50M
Total operating expenses 80.20M 3.10M 105.70M -93.20000M 104.00M
Cost of revenue 231.40M - -179.50000M - -
Total other income expense net - -112.90000M -6.20000M -54.50000M -33.20000M
Discontinued operations - - - 4.10M 4.10M
Net income from continuing ops - 19.70M 26.40M 29.60M 45.60M
Net income applicable to common shares - - - - 45.60M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4316.00M 4116.70M 3778.00M 3380.30M 2885.90M
Intangible assets 4.10M 4.00M 4.90M 5.60M 5.90M
Earning assets - - - - -
Other current assets - - 364.60M - 2606.10M
Total liab 3941.70M 3756.20M 3433.50M 53.20M 54.00M
Total stockholder equity 374.30M 360.50M 344.50M 326.90M 302.40M
Deferred long term liab - - - - -
Other current liab - 1675.80M 1167.90M 0.80M 3.30M
Common stock 7.60M 7.60M 7.60M 7.50M 7.50M
Capital stock - 7.60M 7.60M 7.50M 7.50M
Retained earnings 284.40M 271.10M 254.80M 237.50M 211.70M
Other liab - - - 70.60M 18.30M
Good will 1.00M 1.00M 1.00M 1.00M 1.00M
Other assets - 3659.80M -35.70000M 2987.20M 2606.10M
Cash 528.10M 469.00M 400.30M 370.10M 235.70M
Cash and equivalents - - - - -
Total current liabilities 217.40M 2050.50M 1208.10M 2529.80M 2121.20M
Current deferred revenue - - - - -
Net debt -225.50000M -9.90000M 94.80M -316.90000M -181.70000M
Short term debt 217.40M 374.70M 40.20M - -
Short long term debt - - - - -
Short long term debt total 302.60M 459.10M 495.10M 53.20M 54.00M
Other stockholder equity 82.30M 81.80M 82.40M 81.90M 83.20M
Property plant equipment - - - 11.80M 11.50M
Total current assets 528.10M 469.00M 400.30M 371.80M 236.10M
Long term investments - 7.50M 21.60M 2.90M 25.30M
Net tangible assets - - - 320.30M 295.50M
Short term investments - - - - -
Net receivables - - - 1.70M 0.40M
Long term debt - - - - -
Inventory - - - - -
Accounts payable - - - 2514.60M 2103.20M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 0.00000M -0.30000M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 402.20M 3631.20M 3373.30M -21.30000M -43.70000M
Deferred long term asset charges - - - - -
Non current assets total 3787.90M 3647.70M 3413.40M 21.30M 43.70M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - - - 82.50M 59.10M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -165.90000M -350.80000M -443.00000M 82.50M 59.10M
Net borrowings - -159.20000M 40.30M 6.00M 113.50M
Total cash from financing activities 100.30M 331.10M 388.70M -5.00000M 101.60M
Change to operating activities - - - -453.50000M -213.00000M
Net income 17.60M 19.70M 24.30M 33.70M 45.60M
Change in cash - 68.70M -16.60000M 110.20M 70.90M
Begin period cash flow 469.00M 400.30M 416.90M 306.70M 232.10M
End period cash flow - 469.00M 400.30M 416.90M 303.00M
Total cash from operating activities 156.40M 88.40M 37.70M 32.70M -89.80000M
Issuance of capital stock - 0.20M 1.70M - 0.00000M
Depreciation - 3.40M 1.60M 3.30M 3.50M
Other cashflows from investing activities -164.10000M -349.80000M -440.30000M - -
Dividends paid 6.40M 5.20M 8.40M 10.70M 11.90M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -0.20000M -1.40000M -1.20000M -0.30000M -
Other cashflows from financing activities 263.40M 373.30M 356.30M 6.00M 113.50M
Change to netincome - - - 37.80M -36.60000M
Capital expenditures 1.60M 1.00M 2.70M 2.70M 1.30M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 55.90M -358.60000M -482.40000M -42.10000M -142.10000M
Stock based compensation - 2.30M 1.10M 2.00M 1.00M
Other non cash items 82.90M 423.90M 494.20M 35.80M 1.40M
Free cash flow 154.80M -262.40000M -405.30000M 30.00M -91.10000M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
STB
Secure Trust Bank PLC		 -16.0 1.24% 1270.00 5.84 4.06 1.85 0.66 11.25
CBKD
Commercial International Bank -Egypt S.A.E		 - -% 2.44 0.05 3.98 3.27 1.65 3.51
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.4874 1.55% 31.00 0.01 4.03 2.33 1.17 2.88
LLOY
Lloyds Banking Group PLC		 -1.2 1.20% 98.90 14.37 10.15 3.16 1.20 4.02
NWG
NatWest Group PLC		 -8.2 1.37% 590.00 9.00 8.31 3.01 1.08 2.25

Reports Covered

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Profile

Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. The company operates through four segments: Retail Finance, Real Estate Finance, Commercial Finance, and Other. The Retail Finance segment offers unsecured finance for consumer products, including furniture, jewelry, dental, leisure items and football season tickets. The Real Estate Finance segment provides secured loans against property assets, as well as development facilities to property developers and SME housebuilders. The Commercial Finance segment provides asset-based lending solutions to SMEs and some larger corporates, including working capital solutions; and invoice discounting facilities. It offers its products in store, as well as through online platform. Secure Trust Bank PLC was founded in 1952 and is headquartered in Solihull, the United Kingdom.

Secure Trust Bank PLC

Yorke House, Solihull, United Kingdom, B90 4LH

Key Executives

Name Title Year Born
Mr. David Andrew McCreadie CEO & Director 1969
Ms. Rachel Michelle Lawrence A.C.M.A. CFO & Exec. Director 1970
Ms. Katie Docherty Chief Operating Officer NA
Mr. Charles Mayo Gen. Counsel NA
Ms. Anne McKenning HR Director NA
Ms. Ciara Raison Head of Dealer Sales NA
Mr. David Mercer Managing Director - Motor Fin. NA
Mr. David Nield Managing Director of Vehicle Fin. NA
Mr. John Bevan Managing Director of Commercial Fin. NA
Mr. Jon Bowers Managing Director of Real Estate Fin. NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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