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Home CompaniesSecure Trust Bank PLC

Secure Trust Bank PLC

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
1404.0 GBX 16.00 ( 1.15%)
Last update at 2026-10-27T16:37:00Z
VOLUME
33440
Market Cap
247.17M
P/E
5.84

Momentum Score

…

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.

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

Day Price Range
1364.00
Low
1404.00
High
52 Week Price Range
512.71
Low
1550.00
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
1388.00
Dividend Yield
2.67%
Revenue TTM
133.80M
Revenue Per Share
7.16
Gross Profit TTM
133.80M
Debt / Equity
0.81
ROE
12.14%
Net Debt
-225.50M
ROCE
0.67%
Diluted EPS TTM
2.26

Key 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
Net income -9.40M 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 -6.50M 96.80M 59.50M
Depreciation and amortization 1.90M - -42.60M 3.30M 3.50M
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
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 -93.20M 104.00M
Cost of revenue 231.40M - -179.50M - -
Total other income expense net - -112.90M -6.20M -54.50M -33.20M
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
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
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
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 -35.70M 2987.20M 2606.10M
Cash 528.10M 469.00M 400.30M 370.10M 235.70M
Total current liabilities 217.40M 2050.50M 1208.10M 2529.80M 2121.20M
Net debt -225.50M -9.90M 94.80M -316.90M -181.70M
Short term debt 217.40M 374.70M 40.20M - -
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
Net receivables - - - 1.70M 0.40M
Accounts payable - - - 2514.60M 2103.20M
Accumulated other comprehensive income - 0.00M -0.30M - -
Non currrent assets other 402.20M 3631.20M 3373.30M -21.30M -43.70M
Non current assets total 3787.90M 3647.70M 3413.40M 21.30M 43.70M
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 - - - 0.00M 0.00M
Total cashflows from investing activities -165.90M -350.80M -443.00M 82.50M 59.10M
Net borrowings - -159.20M 40.30M 6.00M 113.50M
Total cash from financing activities 100.30M 331.10M 388.70M -5.00M 101.60M
Change to operating activities - - - -453.50M -213.00M
Net income 17.60M 19.70M 24.30M 33.70M 45.60M
Change in cash - 68.70M -16.60M 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 -89.80M
Issuance of capital stock - 0.20M 1.70M - 0.00M
Depreciation - 3.40M 1.60M 3.30M 3.50M
Other cashflows from investing activities -164.10M -349.80M -440.30M - -
Dividends paid 6.40M 5.20M 8.40M 10.70M 11.90M
Sale purchase of stock -0.20M -1.40M -1.20M -0.30M -
Other cashflows from financing activities 263.40M 373.30M 356.30M 6.00M 113.50M
Change to netincome - - - 37.80M -36.60M
Capital expenditures 1.60M 1.00M 2.70M 2.70M 1.30M
Change in working capital 55.90M -358.60M -482.40M -42.10M -142.10M
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 -262.40M -405.30M 30.00M -91.10M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
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		 16.00
1.15%		 1404.00 5.84 4.06 1.85 0.66 11.25
CBKD
Commercial International Bank -Egypt S.A.E		 -0.04
1.78%		 2.21 0.05 3.98 3.27 1.65 3.51
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.50
1.51%		 32.50 0.01 4.03 2.33 1.17 2.88
LLOY
Lloyds Banking Group PLC		 -0.35
0.34%		 102.15 14.37 10.15 3.16 1.20 4.02
NWG
NatWest Group PLC		 -9.60
1.49%		 634.40 9.00 8.31 3.01 1.08 2.25

Profile*

Secure Trust Bank PLC

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.

Yorke House, Solihull, United Kingdom, B90 4LH

44 121 6939100

https://www.securetrustbank.com

860

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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