Secure Trust Bank
Secure Trust Bank
STB
LSE
8.70
GBX
-97.53%
About
Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years.
Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Other assets can also be funded either long or short-term and for a range of loan-to-value ratios alongside these services. Vehicle Finance include hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed.
Retail Finance provides online e-commerce service to retailers, providing unsecured lending products to prime United Kingdom customers..
Financials Amount (in millions)
Income statement
Balance sheet
Cash flow
Ratios
| Price and Volume | |
|---|---|
| Volume | |
| Ten Day Average Volume | 18.2K |
| Three Month Average Volume | 697.2K |
| High Low | |
| Fifty-Two Week High | 9.5 GBX |
| Fifty-Two Week Low | 5.72 GBX |
| Fifty-Two Week High Date | 03 Jun 2024 |
| Fifty-Two Week Low Date | 06 Nov 2023 |
| Price and Volume | |
| Current Price | 8.7 GBX |
| Beta | 1 |
| Relative Price Change | |
| Four Week Relative Price Change | 1.69% |
| Thirteen Week Relative Price Change | -3.54% |
| Twenty-Six Week Relative Price Change | 10.74% |
| Fifty-Two Week Relative Price Change | 16.38% |
| Year-to-Date Relative Price Change | 17.17% |
| Price Change | |
| One Day Price Change | 0.00% |
| Thirteen Week Price Change | -2.47% |
| Twenty-Six Week Price Change | 21.17% |
| Five Day Price Change | -1.81% |
| Fifty-Two Week Price Change | 30.63% |
| Year-to-Date Price Change | 26.45% |
| Month-to-Date Price Change | 0.00% |
| Per Share Data | |
|---|---|
| Book Value | |
| Book Value Per Share (Last Fiscal Year) | 18.11461 GBX |
| Book Value Per Share (Most Recent Quarter) | 18.6429 GBX |
| Tangible Book Value Per Share (Last Fiscal Year) | 17.80437 GBX |
| Tangible Book Value Per Share (Most Recent Quarter) | 18.36496 GBX |
| EBITD | |
| EBITD Per Share (Trailing Twelve Months) | 2.37288 GBX |
| Revenue | |
| Revenue Per Share (Last Fiscal Year) | 9.59161 GBX |
| Revenue Per Share (Trailing Twelve Months) | 9.8349 GBX |
| Dividend | |
| Dividend Per Share (Last Fiscal Year) | 0.322 GBX |
| Dividend Per Share (Trailing Twelve Months) | 0.275 GBX |
| Dividend Per Share (5 Year) | 0.4048 GBX |
| Earnings Per Share | |
| Excluding Extraordinary Items (Last Fiscal Year) | 1.37023 GBX |
| Excluding Extraordinary Items (Trailing Twelve Months) | 1.37929 GBX |
| Normalized (Last Fiscal Year) | 1.61695 GBX |
| Basic Excluding Extraordinary Items (Last Fiscal Year) | 1.40792 GBX |
| Basic Excluding Extraordinary Items (Trailing Twelve Months) | 1.42204 GBX |
| Including Extraordinary Items (Last Fiscal Year) | 1.26123 GBX |
| Including Extraordinary Items (Trailing Twelve Months) | 1.33277 GBX |
| Cash | |
| Cash Per Share (Last Fiscal Year) | 21.31161 GBX |
| Cash Per Share (Most Recent Quarter) | 22.7543 GBX |
| Cash Flow Per Share (Last Fiscal Year) | 1.51556 GBX |
| Cash Flow Per Share (Trailing Twelve Months) | 1.5375 GBX |
| Free Cash Flow Per Share (Trailing Twelve Months) | 7.10327 GBX |
| Margins | |
|---|---|
| Cash Flow Revenue | |
| Cash Flow Revenue (5 Year) | -33 |
| Cash Flow Revenue (Trailing Twelve Months) | 72 |
| Pretax Margin | |
| Pretax Margin (Trailing Twelve Months) | 19.12% |
| Pretax Margin (Last Fiscal Year) | 19.53% |
| Pretax Margin (5 Year) | 22.66% |
| Gross Margin | |
| Gross Margin (Last Fiscal Year) | -99,999.99% |
| Gross Margin (Trailing Twelve Months) | -99,999.99% |
| Gross Margin (5 Year) | -99,999.99% |
| Operating Margin | |
| Operating Margin (Last Fiscal Year) | 19.53% |
| Operating Margin (Trailing Twelve Months) | 19.12% |
| Operating Margin (5 Year) | 22.66% |
| Net Profit Margin | |
| Net Profit Margin (Last Fiscal Year) | 14.29% |
| Net Profit Margin (Trailing Twelve Months) | 14.02% |
| Net Profit Margin (5 Year) | 17.77% |
| Growth | |
|---|---|
| Book Value | |
| Book Value Per Share (5 Year) | 7.14% |
| Tangible Book Value (5 Year) | 8.31% |
| Free Operating Cash Flow | |
| Free Operating Cash Flow (5 Year) | -99,999.99% |
| Revenue | |
| Revenue Change MRQ vs 1 Year Ago | 28.67% |
| Revenue Growth (3 Year) | 12.43% |
| Revenue Change (Trailing Twelve Months) | 36.86% |
| Revenue Per Share Growth | 3.27% |
| Revenue Growth (5 Year) | 16.45% |
| Capital Spending Debt | |
| Capital Spending (5 Year) | 1.55% |
| Total Debt (5 Year) | 13.61% |
| Dividends | |
| Dividend Growth (3 Year) | -9.88% |
| Earnings Per Share | |
| EPS Change MRQ vs 1 Year Ago | 1.47% |
| EPS Change (Trailing Twelve Months) | -8.41% |
| EPS Growth (3 Year) | -1.91% |
| EPS Growth (5 Year) | 16.34% |
| EBITDA | |
| EBITDA (5 Year) | 3.09% |
| EBITDA (5 Year Interim) | 1.92% |
| Net Profit Margin | |
| Net Profit Margin Growth (5 Year) | -5.02% |
| Valuation | |
|---|---|
| Total Price to Book | |
| Price to Tangible Book (Last Fiscal Year) | 0 |
| Price to Tangible Book (Most Recent Quarter) | 0 |
| Price to Free Cash Flow | |
| Price to Free Cash Per Share (Last Fiscal Year) | -100,000 |
| Price to Free Cash Per Share (Trailing Twelve Months) | 1 |
| Net Debt | |
| Net Debt (Most Recent Quarter) | -338,600,000 |
| Net Debt (Last Fiscal Year) | -309,900,000 |
| Price to Sales | |
| Price to Sales (Last Fiscal Year) | 1 |
| Price to Sales (Trailing Twelve Months) | 1 |
| Price to Earnings | |
| PE Excluding Extraordinary Items (Last Fiscal Year) | 6 |
| PE Normalized (Last Fiscal Year) | 5 |
| PE Basic Excluding Extraordinary Items (Trailing Twelve Months) | 6 |
| PE Excluding Extraordinary Items High (Trailing Twelve Months) | 10 |
| PE Excluding Extraordinary Items Low (Trailing Twelve Months) | 4 |
| PE Including Extraordinary Items (Trailing Twelve Months) | 7 |
| Dividends | |
| Dividend Yield (5 Year) | 3.86% |
| Dividend Yield | 3.16% |
| Current Dividend Yield | 3.16% |
| Price to Book | |
| Price to Book (Last Fiscal Year) | 0 |
| Price to Book (Most Recent Quarter) | 0 |
| Financial Strength | |
|---|---|
| Debt to Equity | |
| Long Term Debt to Equity (Last Fiscal Year) | 27 |
| Long Term Debt to Equity (Most Recent Quarter) | 27 |
| Payout Ratio | |
| Payout Ratio (Last Fiscal Year) | 23.20% |
| Payout Ratio (Trailing Twelve Months) | 19.46% |
| Quick Ratio | |
| Quick Ratio (Last Fiscal Year) | -100,000 |
| Quick Ratio (Most Recent Quarter) | -100,000 |
| Enterprise Value | |
| Current Enterprise Value to Free Cash Flow (Last Fiscal Year) | -100,000 |
| Current Enterprise Value to Free Cash Flow (Trailing Twelve Months) | -100,000 |
| Current Ratio | |
| Current Ratio (Last Fiscal Year) | -100,000 |
| Current Ratio (Most Recent Quarter) | -100,000 |
| Free Cash Flow | |
| Free Cash Flow (Last Fiscal Year) | -56,500,000 |
| Free Cash Flow (Trailing Twelve Months) | 138.6M |
| Net Interest Coverage | |
| Net Interest Coverage (Last Fiscal Year) | -100,000 |
| Net Interest Coverage (Trailing Twelve Months) | -100,000 |
| Total Debt to Equity | |
| Total Debt to Equity (Last Fiscal Year) | 28 |
| Total Debt to Equity (Most Recent Quarter) | 27 |
| Management Effectiveness | |
|---|---|
| Return on Assets | |
| Return on Assets (Last Fiscal Year) | 0.74% |
| Return on Assets (Trailing Twelve Months) | 0.72% |
| Return on Assets (5 Year) | 1.01% |
| Return on Equity | |
| Return on Equity (Last Fiscal Year) | 7.86% |
| Return on Equity (Trailing Twelve Months) | 7.81% |
| Return on Equity (5 Year) | 10.30% |
| Return on Investment | |
| Return on Investment (Last Fiscal Year) | -99,999.99% |
| Return on Investment (Trailing Twelve Months) | -99,999.99% |
| Return on Investment (5 Year) | -99,999.99% |