Secure Trust Bank PLC

STB · LSE · Financial Services / Banks - Regional

1,404.00GBX-30.00 (-2.09%)

Price History

Full chart

Market Stats

Previous Close1,434.00

Open1,410.00

Day Range1,402.00 – 1,468.00

52-Week Range810.41 – 1,646.40

Volume52.35K

Market Cap277.49M

P/E (TTM)6.73

Forward P/E4.69

EPS2.26

Dividend Yield2.38%

Beta0.92

50-Day Avg1,539.48

200-Day Avg1,414.33

About

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.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Ian Corfield
Employees650
HeadquartersYorke House, Solihull, United Kingdom, B90 4LH, UK
Websitehttps://www.securetrustbank.com

Leadership

Mr. Ian CorfieldCEO & Director · b. 1971
Ms. Rachel Michelle Lawrence A.C.M.A.CFO & Executive Director · b. 1970
Mr. Jim ApplebyChief Operating Officer
Mr. Matthew HattonChief Information Officer
Mr. Charles John MayoGeneral Counsel
Ms. Vicki BakerChief People Officer
Mr. Andrew PhillipsManaging Director of Retail Finance
Mr. Luke JoosteManaging Director of Business Finance
Mr. Uwe SeedorInterim Chief Risk Officer
Ms. Lisa Jane DanielsCompany Secretary

Financials

Income Statement

Currency: GBP	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	-	-	-	23.82M	47.05M	79.00M	97.90M	92.10M	118.20M	129.80M	151.60M	165.50M	208.30M	176.50M	219.70M	141.80M	142.10M	339.10M
Growth (%)	-	-	-	-	+97.48%	+67.92%	+23.92%	-5.92%	+28.34%	+9.81%	+16.80%	+9.17%	+25.86%	-15.27%	+24.48%	-35.46%	+0.21%	+138.63%
Cost of Revenue	-	-	-	-	-	0	0	0	0	0	0	-	45.30M	27.70M	50.40M	-179.50M	-	231.40M
Gross Profit	-	-	-	23.82M	47.05M	79.00M	97.90M	92.10M	118.20M	129.80M	151.60M	165.50M	163.00M	148.80M	169.30M	321.30M	142.10M	107.70M
Gross Margin	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	78.25%	84.31%	77.06%	226.59%	100.00%	31.76%
Operating Expense	-	-	-	10.93M	19.41M	49.00M	57.60M	36.30M	-51.90M	74.20M	81.40M	126.80M	140.80M	94.40M	131.40M	279.00M	0	80.20M
Operating Income	5.03M	8.10M	8.69M	12.89M	27.63M	30.00M	40.30M	55.80M	170.10M	55.60M	70.20M	38.70M	22.20M	54.40M	37.90M	42.30M	142.10M	27.50M
Operating Margin	-	-	-	54.10%	58.74%	37.97%	41.16%	60.59%	143.91%	42.84%	46.31%	23.38%	10.66%	30.82%	17.25%	29.83%	100.00%	8.11%
EBITDA	5.65M	8.80M	9.65M	7.89M	18.64M	-3.00M	-1.20M	57.60M	172.30M	27.80M	37.80M	42.70M	26.30M	59.40M	42.30M	37.70M	42.80M	29.40M
EBITDA Margin	-	-	-	33.10%	39.62%	-3.80%	-1.23%	62.54%	145.77%	21.42%	24.93%	25.80%	12.63%	33.65%	19.25%	26.59%	30.12%	8.67%
Net Income	3.51M	5.80M	6.25M	5.06M	15.54M	12.30M	20.50M	28.70M	137.50M	23.80M	28.30M	31.10M	15.40M	45.60M	33.70M	24.30M	19.70M	-9.40M
Net Income Margin	-	-	-	21.26%	33.03%	15.57%	20.94%	31.16%	116.33%	18.34%	18.67%	18.79%	7.39%	25.84%	15.34%	17.14%	13.86%	-2.77%
Interest Expense	0	0	0	5.61M	10.47M	12.90M	14.20M	21.60M	26.30M	26.70M	35.50M	46.00M	45.30M	27.70M	50.40M	10.70M	166.50M	173.40M
Interest Expense % of Total Revenue	-	-	-	23.54%	22.25%	16.33%	14.50%	23.45%	22.25%	20.57%	23.42%	27.79%	21.75%	15.69%	22.94%	7.55%	117.17%	51.14%

Balance Sheet

Currency: GBP	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	53.20M	115.80M	180.70M	307.84M	474.60M	525.90M	782.30M	1.25B	1.51B	1.89B	2.44B	2.68B	2.66B	2.89B	3.38B	3.78B	4.12B	4.32B
Total Liabilities	44.45M	103.75M	164.90M	284.02M	418.68M	463.90M	657.40M	1.11B	1.27B	1.64B	2.21B	2.43B	2.39B	2.58B	3.05B	3.43B	3.76B	3.94B
Total Equity	8.75M	12.05M	15.80M	23.82M	55.92M	62.00M	124.90M	141.20M	236.00M	249.10M	237.10M	254.10M	270.50M	302.40M	326.90M	344.50M	360.50M	374.30M
Cash	13.00K	4.00K	13.00K	-	-	90.00M	81.20M	131.80M	112.00M	226.10M	169.70M	105.80M	181.50M	235.70M	370.10M	400.30M	469.00M	528.10M
Total Debt	-	-	-	3.00M	-	-	-	35.00M	70.00M	113.00M	50.40M	55.10M	54.70M	54.00M	451.60M	495.10M	459.10M	302.60M
Net Debt	-13.00K	-4.00K	-13.00K	3.00M	-	-90.00M	-81.20M	-96.80M	-42.00M	-113.10M	-119.30M	-50.70M	-126.80M	-181.70M	-316.90M	94.80M	-9.90M	-225.50M

Cash Flow

Currency: GBP	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	7.70M	25.05M	20.68M	47.65M	32.27M	43.20M	-21.50M	53.30M	-176.50M	75.60M	-227.80M	-205.20M	95.60M	-89.80M	32.70M	37.70M	88.40M	156.40M
Investing Cash Flow	-561.00K	-803.00K	-301.00K	-137.00K	-71.48M	-38.10M	-4.40M	-3.40M	-6.10M	32.90M	-2.50M	116.50M	23.10M	59.10M	82.50M	-443.00M	-350.80M	-165.90M
Financing Cash Flow	-750.00K	-1.10M	-2.50M	3.81M	13.67M	-9.10M	41.90M	-12.60M	-41.10M	-14.00M	184.40M	28.40M	-31.60M	101.60M	-5.00M	388.70M	331.10M	100.30M
Capital Expenditure	599.00K	803.00K	301.00K	140.00K	859.00K	1.10M	4.40M	3.40M	6.10M	4.20M	2.50M	6.60M	1.90M	1.30M	2.70M	2.70M	1.00M	1.60M
Free Cash Flow	7.10M	24.25M	20.38M	47.51M	31.41M	42.10M	-25.90M	49.90M	-182.60M	71.40M	-230.30M	-211.80M	93.70M	-91.10M	30.00M	-405.30M	-262.40M	154.80M
Dividends Paid	750.00K	2.50M	2.50M	7.00M	2.58M	9.10M	10.20M	12.60M	43.10M	14.00M	14.80M	15.50M	11.90M	11.90M	10.70M	8.40M	5.20M	6.40M
FCF to OCF	92.22%	96.79%	98.54%	99.71%	97.34%	97.45%	120.47%	93.62%	103.46%	94.44%	101.10%	103.22%	98.01%	101.45%	91.74%	-1075.07%	-296.83%	98.98%
Dividend Paid to FCF	10.57%	10.31%	12.27%	14.73%	8.21%	21.62%	-39.38%	25.25%	-23.60%	19.61%	-6.43%	-7.32%	12.70%	-13.06%	35.67%	-2.07%	-1.98%	4.13%

Key Statistics & Ratios

Market Cap277.49M

Enterprise Value222.29M

Trailing P/E6.73

Forward P/E4.69

PEG Ratio0.00

Price / Sales1.99

Price / Book0.72

EPS2.26

Book Value20.76

Revenue (TTM)139.20M

Gross Profit (TTM)139.20M

Profit Margin17.67%

Operating Margin42.59%

Return on Equity12.16%

Return on Assets1.13%

Shares Outstanding18.23M

Shares Float16.48M

Beta0.92

Dividend Yield2.38%

Dividend Rate0.36

Payout Ratio23.92%

Dividends

20262×

0.12Aug 27, 20260.24Apr 23, 2026

20252×

0.12Aug 28, 20250.23Apr 24, 2025

20242×

0.11Aug 29, 20240.16Apr 25, 2024

20232×

0.16Aug 31, 20230.29Apr 27, 2023

20222×

0.16Aug 25, 20220.41Apr 21, 2022

20212×

0.20Aug 26, 20210.44Apr 22, 2021

20192×

0.20Aug 29, 20190.64Apr 25, 2019

20182×

0.19Aug 30, 20180.61Apr 26, 2018

20172×

0.18Aug 31, 20170.58Apr 13, 2017

20163×

0.17Aug 25, 20161.65Jun 30, 20160.55Apr 7, 2016

20152×

0.17Aug 20, 20150.52Apr 16, 2015

20141×

0.16Aug 20, 2014