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Secure Trust Bank PLC (GB:STB)
LSE:STB
UK Market
STB
Secure Trust Bank
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Secure Trust Bank (STB) Ratios

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Secure Trust Bank Ratios

GB:STB's free cash flow for Q2 2026 was £0.48. For the 2026 fiscal year, GB:STB's free cash flow was decreased by £ and operating cash flow was £0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.73 2.43 0.23 0.33 0.56
Quick Ratio
 1.73 2.43 0.23 0.33 1.11
Cash Ratio
 1.73 2.43 0.23 0.33 0.54
Solvency Ratio
 <0.01 >-0.01 <0.01 >-0.01 0.01
Operating Cash Flow Ratio
 0.84 0.72 -0.13 -0.33 0.05
Short-Term Operating Cash Flow Coverage
 0.84 0.72 -0.70 -10.01 0.44
Net Current Asset Value
£ -3.25B£ -3.41B£ -3.29B£ -3.03B£ -2.67B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.11 0.13 0.13
Debt-to-Equity Ratio
 0.72 0.81 1.27 1.44 1.38
Debt-to-Capital Ratio
 0.42 0.45 0.56 0.59 0.58
Long-Term Debt-to-Capital Ratio
 0.19 0.18 0.56 0.59 0.14
Financial Leverage Ratio
 10.16 11.53 11.42 10.97 10.34
Debt Service Coverage Ratio
 0.08 0.05 0.09 -0.32 0.26
Interest Coverage Ratio
 0.23 0.16 0.00 3.95 0.75
Debt to Market Cap
 1.00 1.29 11.86 4.15 0.91
Interest Debt Per Share
 23.40 25.48 23.63 26.97 26.88
Net Debt to EBITDA
 -0.92 -7.67 -0.23 -14.58 1.93
Profitability Margins
Gross Profit Margin
36.70%31.76%100.00%226.59%77.06%
EBIT Margin
11.61%8.11%27.73%25.46%17.75%
EBITDA Margin
12.56%8.67%30.12%-4.58%19.25%
Operating Profit Margin
11.61%8.11%100.00%29.83%17.25%
Pretax Profit Margin
11.61%8.11%20.55%25.46%17.75%
Net Profit Margin
7.80%-2.77%13.86%17.14%15.34%
Continuous Operations Profit Margin
7.80%5.19%13.86%18.62%13.47%
Net Income Per EBT
67.21%-34.18%67.47%67.31%86.41%
EBT Per EBIT
100.00%100.00%20.55%85.34%102.90%
Return on Assets (ROA)
0.62%-0.22%0.48%0.64%1.00%
Return on Equity (ROE)
6.44%-2.51%5.46%7.05%10.31%
Return on Capital Employed (ROCE)
0.97%0.67%6.88%1.65%1.41%
Return on Invested Capital (ROIC)
0.62%0.41%3.93%1.17%-13.78%
Return on Tangible Assets
0.62%-0.22%0.48%0.64%1.00%
Earnings Yield
8.80%-4.04%28.01%18.84%24.06%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 129.24
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.13
Fixed Asset Turnover
 27.66 28.74 12.36 11.25 18.62
Asset Turnover
 0.08 0.08 0.03 0.04 0.06
Working Capital Turnover Ratio
 1.42 -0.53 -0.12 -0.25 -0.99
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 -2.77K
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 2.82
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -2.78K
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 -2.77K
Cash Flow Ratios
Operating Cash Flow Per Share
 8.25 8.37 -13.45 -21.47 1.75
Free Cash Flow Per Share
 8.13 8.29 -13.51 -21.61 1.61
CapEx Per Share
 0.12 0.09 0.05 0.14 0.14
Free Cash Flow to Operating Cash Flow
 0.99 0.99 1.00 1.01 0.92
Dividend Paid and CapEx Coverage Ratio
 17.19 19.55 -42.16 -36.27 2.44
Capital Expenditure Coverage Ratio
 67.26 97.75 -261.40 -149.11 12.11
Operating Cash Flow Coverage Ratio
 0.55 0.52 -0.57 -0.81 0.07
Operating Cash Flow to Sales Ratio
 0.49 0.46 -1.84 -2.84 0.15
Free Cash Flow Yield
55.12%66.57%-373.10%-314.17%21.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.41 13.24 3.51 5.31 4.16
Price-to-Sales (P/S) Ratio
 0.88 0.69 0.49 0.91 0.64
Price-to-Book (P/B) Ratio
 0.72 0.62 0.20 0.37 0.43
Price-to-Free Cash Flow (P/FCF) Ratio
 1.81 1.50 -0.27 -0.32 4.67
Price-to-Operating Cash Flow Ratio
 1.81 1.49 -0.27 -0.32 4.28
Price-to-Earnings Growth (PEG) Ratio
 1.24 -1.91 -0.17 -0.19 -0.16
Price-to-Fair Value
 0.72 0.62 0.20 0.37 0.43
Enterprise Value Multiple
 6.06 0.24 1.41 -34.43 5.24
Enterprise Value
 239.87M 7.05M 60.43M 223.81M 221.54M
EV to EBITDA
 6.06 0.24 1.41 -34.43 5.24
EV to Sales
 0.76 0.02 0.43 1.58 1.01
EV to Free Cash Flow
 1.57 0.05 -0.23 -0.55 7.38
EV to Operating Cash Flow
 1.55 0.05 -0.23 -0.56 6.78
Tangible Book Value Per Share
 20.49 19.77 18.30 18.06 17.15
Shareholders’ Equity Per Share
 20.76 20.04 18.56 18.37 17.51
Tax and Other Ratios
Effective Tax Rate
 0.33 0.36 0.33 0.27 0.24
Revenue Per Share
 16.82 18.15 7.31 7.56 11.77
Net Income Per Share
 1.31 -0.50 1.01 1.30 1.80
Tax Burden
 0.67 -0.34 0.67 0.67 0.86
Interest Burden
 1.00 1.00 0.74 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.19 0.00 0.29 0.18
Stock-Based Compensation to Revenue
 0.00 0.00 0.02 0.00 <0.01
Income Quality
 6.29 8.89 -13.27 -16.57 0.97
Currency in GBP