Secure Trust Bank PLC

$ 1 332.00 -0.15 %

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.

CEO: Ian Corfield - https://www.securetrustbank.com

Price objectif

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Recommandation

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DCF

$ 5 264.12

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STB.L vs S&P500

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Quick ratio

2.43

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

5.89

may indicate that the company is undervalued or has poor growth prospects.

EPS

2.26

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

4.70 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.20 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

22.66

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.81

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

-5.25

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

36.36 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
0.35 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
2.43 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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