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Secure Trust Bank PLC

Financial Services GB STB

1435.0GBX
55.00(3.99%)

Last update at 2026-03-10T15:36:00Z

Day Range

1370.001440.00
LowHigh

52 Week Range

537.06768.11
LowHigh

Fundamentals

  • Previous Close 1380.00
  • Market Cap128.00M
  • Volume43128
  • P/E Ratio4.47
  • Dividend Yield6.81%
  • Revenue TTM135.00M
  • Revenue Per Share TTM7.22
  • Gross Profit TTM 132.50M
  • Diluted EPS TTM1.50

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 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 39.00M 56.00M 20.10M 38.70M 34.70M
Minority interest - - - - -
Net income 33.70M 45.60M 16.20M 31.10M 28.30M
Selling general administrative - 43.80M 35.20M 38.30M 32.40M
Selling and marketing expenses - - - - -
Gross profit 170.40M 164.50M 163.00M 165.50M 119.20M
Reconciled depreciation 3.30M 3.50M 4.10M 4.00M 3.10M
Ebit 93.50M 56.00M 20.10M 38.70M 70.20M
Ebitda 96.80M 59.50M 24.20M 42.70M 73.30M
Depreciation and amortization 3.30M 3.50M 4.10M 4.00M 3.10M
Non operating income net other - - - - -
Operating income 93.50M 56.00M 20.10M 38.70M 36.50M
Other operating expenses 93.20M 104.00M 91.60M 94.20M 84.50M
Interest expense 50.40M 33.20M 45.30M 46.00M 35.50M
Tax provision 9.40M 10.40M 3.90M 7.60M 6.40M
Interest income 203.00M 184.00M 196.20M 190.40M 168.20M
Net interest income 152.60M 150.80M 150.90M 145.40M 133.70M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 9.40M 10.40M 3.90M 7.60M 6.40M
Total revenue 170.40M 164.50M 163.00M 165.50M 151.60M
Total operating expenses -93.20000M 104.00M 91.60M 94.20M 84.50M
Cost of revenue - - - - 0.00000M
Total other income expense net -54.50000M -33.20000M -45.30000M -46.00000M -1.80000M
Discontinued operations 4.10M 4.10M 4.10M 4.10M -
Net income from continuing ops 29.60M 45.60M 16.20M 31.10M 28.30M
Net income applicable to common shares - 45.60M 16.20M 31.10M 28.30M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 3380.30M 2885.90M 2664.10M 2682.80M 2444.30M
Intangible assets 5.60M 5.90M 6.70M 8.00M 8.90M
Earning assets - - - - -
Other current assets - 2606.10M 2448.30M 2522.90M 2087.80M
Total liab 53.20M 54.00M 54.70M 55.10M 2207.20M
Total stockholder equity 326.90M 302.40M 270.50M 254.10M 237.10M
Deferred long term liab - - - - -
Other current liab 0.80M 3.30M 2.90M 4.00M 5.50M
Common stock 7.50M 7.50M 7.50M 7.40M 7.40M
Capital stock 7.50M 7.50M 7.50M 7.40M 7.40M
Retained earnings 237.50M 211.70M 179.90M 164.40M 147.40M
Other liab 70.60M 18.30M 46.20M 27.20M 25.80M
Good will 1.00M 1.00M 1.00M 1.00M 1.00M
Other assets 2987.20M 2606.10M 2448.30M 2522.90M 2444.30M
Cash 370.10M 235.70M 181.50M 105.80M 169.70M
Cash and equivalents - - - - -
Total current liabilities 2529.80M 2121.20M 2017.20M 2038.80M 2132.20M
Current deferred revenue - - - - -
Net debt -316.90000M -181.70000M -126.80000M -50.70000M -119.30000M
Short term debt - - - - 1.20M
Short long term debt - - - - 1.20M
Short long term debt total 53.20M 54.00M 54.70M 55.10M 50.40M
Other stockholder equity 81.90M 83.20M 83.10M 82.30M 90.30M
Property plant equipment 11.80M 11.50M 12.80M 14.90M 11.00M
Total current assets 371.80M 236.10M 184.80M 111.00M 2273.70M
Long term investments 2.90M 25.30M 10.50M 25.00M 149.70M
Net tangible assets 320.30M 295.50M 262.80M 245.10M 227.20M
Short term investments - - - - -
Net receivables 1.70M 0.40M 3.30M 5.20M 16.20M
Long term debt - - - - 49.20M
Inventory - - - - -
Accounts payable 2514.60M 2103.20M 1992.50M 2020.30M 1847.70M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - -7.80000M -5.50000M -8.00000M
Additional paid in capital - - - - -
Common stock total equity - - 7.50M 7.40M 7.40M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -21.30000M -43.70000M -31.00000M -48.90000M -149.70000M
Deferred long term asset charges - - - - -
Non current assets total 21.30M 43.70M 31.00M 48.90M 170.60M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 82.50M 59.10M 25.00M 124.70M -144.70000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 82.50M 59.10M 23.10M 116.50M -147.20000M
Net borrowings 6.00M 113.50M -32.70000M 43.90M 200.00M
Total cash from financing activities -5.00000M 101.60M -31.60000M 28.40M 184.40M
Change to operating activities -453.50000M -213.00000M 46.80M -457.10000M -512.30000M
Net income 33.70M 45.60M 16.20M 31.10M 28.30M
Change in cash 110.20M 70.90M 87.10M -60.30000M -45.90000M
Begin period cash flow 306.70M 232.10M 145.00M 214.50M 260.40M
End period cash flow 416.90M 303.00M 232.10M 154.20M 214.50M
Total cash from operating activities 32.70M -89.80000M 95.60M -205.20000M -227.80000M
Issuance of capital stock - 0.00000M 1.10M - -
Depreciation 3.30M 3.50M 4.10M 4.00M 3.10M
Other cashflows from investing activities - - - 124.70M 124.70M
Dividends paid 10.70M 11.90M 11.90M 15.50M 14.80M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -0.30000M - - - -
Other cashflows from financing activities 6.00M 113.50M -32.70000M 43.90M 199.20M
Change to netincome 37.80M -36.60000M 56.10M 34.80M 33.30M
Capital expenditures 2.70M 1.30M 1.90M 6.60M 2.50M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -42.10000M -142.10000M 19.00M -275.30000M -292.50000M
Stock based compensation 2.00M 1.00M -0.30000M 1.20M 0.80M
Other non cash items 35.80M 1.40M 1.40M 1.40M 32.50M
Free cash flow 30.00M -91.10000M 93.70M -211.80000M -230.30000M

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)
STB
Secure Trust Bank PLC		 55.00 3.99% 1435.00 4.47 3.10 0.93 0.38
CBKD
Commercial International Bank -Egypt S.A.E		 -0.015 0.66% 2.27 0.05 5.46 3.18 1.60 3.75
SBID
State Bank of India GDR		 - -% 126.00 0.07 11.14 0.0002 1.45
LLOY
Lloyds Banking Group PLC		 3.81 4.01% 98.97 5.34 5.91 1.52 0.66
NWG
NatWest Group PLC		 15.60 2.71% 591.40 4.42 5.58 1.32 0.54

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Profile

Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. It operates through four segments: Real Estate Finance, Commercial Finance, Vehicle Finance, and Retail Finance. The Real Estate Finance segment provides secured loans against property assets. The Commercial Finance segment provides invoice discounting solutions, coronavirus business interruption loan scheme, and recovery loan schemes. The Vehicle Finance segment provides hire purchase lending for used cars. The Retail Finance segment offers unsecured finance for consumer products, including bicycles, music, furniture, outdoor/leisure, electronics, dental, jewelry, home improvements, and football season tickets. It also engages in the leasing of property business. Secure Trust Bank PLC was founded in 1952 and is headquartered in Solihull, the United Kingdom.

Secure Trust Bank PLC

One Arleston Way, 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.