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Sterling Financial Holdings Co's quarterly net loan
increased
from Dec. 2025 (₦1,413,260 Mil) to Mar. 2026 (₦1,444,083 Mil) and
increased
from Mar. 2026 (₦1,444,083 Mil) to Jun. 2026 (₦1,607,539 Mil).
Sterling Financial Holdings Co's annual net loan
increased
from Dec. 2023 (₦895,822 Mil) to Dec. 2024 (₦1,444,083 Mil) and
increased
from Dec. 2024 (₦1,444,083 Mil) to Dec. 2025 (₦1,607,539 Mil).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sterling Financial Holdings Co Net Loan Calculation
Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.
Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved
Sterling Financial Holdings Co (NSA:STERLINGNG) has a Net Loan of ₦1,607,539 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Sterling Financial Holdings Co and its competitors.
Is Sterling Financial Holdings Co's Net Loan too high?
Sterling Financial Holdings Co's current Net Loan is ₦1,607,539 Mil. Overall, Sterling Financial Holdings Co has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's Net Loan compare to PNC and USB?
Sterling Financial Holdings Co's Net Loan of ₦1,607,539 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Sterling Financial Holdings Co and its competitors. Sterling Financial Holdings Co's current Net Loan is ₦1,607,539 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦6.07, compared to a current price of ₦7.75 — trading 27.7% above its estimated fair value. The current Net Loan is ₦1,607,539 Mil. Sterling Financial Holdings Co's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current Net Loan is ₦1,607,539 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued.
The current stock price of ₦7.75 is trading 27.7% above its estimated GF Value™ of ₦6.07.
GuruFocus considers Sterling Financial Holdings Co to be Modestly Overvalued.
Key valuation signals for NSA:STERLINGNG:
Net Loan: ₦1,607,539 Mil
GF Value™: ₦6.07 vs. price of ₦7.75 (27.7% above fair value)
No single metric tells the full story. See the NSA:STERLINGNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
67GF Score
Get the complete analysis for NSA:STERLINGNG
Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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