Secure Trust Bank (CHIX:STBL) Debt-to-Asset : 0.34 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:STBL Secure Trust Bank PLC CHIX:STBL
48 GF Score
Price £14.72
GF Value £7.40
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Secure Trust Bank Debt-to-Asset?

Secure Trust Bank CHIX:STBL -0.67% 48 Debt-to-Asset is 0.34 as of Jun. 2026. GuruFocus rates CHIX:STBL with a GF Score™ of 48/100 and a GF Value™ of £7.40 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Secure Trust Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was £0.0 Mil. Secure Trust Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was £1,346.9 Mil. Secure Trust Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was £3,953.8 Mil. Secure Trust Bank's debt to asset for the quarter that ended in Jun. 2026 was 0.34.

Secure Trust Bank  (CHIX:STBl) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Secure Trust Bank Debt-to-Asset Related Terms

Secure Trust Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Secure Trust Bank's Debt-to-Asset can be seen below:

* 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.

Secure Trust Bank Debt-to-Asset Chart

Secure Trust Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.02 0.03 0.02 0.38

Secure Trust Bank Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.41 0.02 0.38 0.38 0.34

CHIX:STBL vs USB, PNC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Secure Trust Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Secure Trust Bank Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Secure Trust Bank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Secure Trust Bank's Debt-to-Asset falls into.


CHIX:STBL
48GF Score
Secure Trust Bank PLC CHIX:STBL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Secure Trust Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Secure Trust Bank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 1616.8) / 4316
=0.37

Secure Trust Bank's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 1346.9) / 3953.8
=0.34

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.34 mean?
Secure Trust Bank (CHIX:STBL) has a Debt-to-Asset of 0.34 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Secure Trust Bank and its competitors.
Is Secure Trust Bank's Debt-to-Asset too high?
Secure Trust Bank's current Debt-to-Asset is 0.34. Overall, Secure Trust Bank has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's Debt-to-Asset compare to USB and PNC?
Secure Trust Bank's Debt-to-Asset of 0.34 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Secure Trust Bank and its competitors. Secure Trust Bank's current Debt-to-Asset is 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Secure Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Secure Trust Bank (CHIX:STBL) is currently considered Significantly Overvalued. The stock's GF Value™ is £7.40, compared to a current price of £14.72 — trading 98.9% above its estimated fair value. The current Debt-to-Asset is 0.34. Secure Trust Bank's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current Debt-to-Asset is 0.34 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 Secure Trust Bank (CHIX:STBL) Overvalued in 2026?

Based on GuruFocus' analysis, Secure Trust Bank stock appears to be overvalued. The current stock price of £14.72 is trading 98.9% above its estimated GF Value™ of £7.40. GuruFocus considers Secure Trust Bank to be Significantly Overvalued.

Key valuation signals for CHIX:STBL:

  • Debt-to-Asset: 0.34
  • GF Value™: £7.40 vs. price of £14.72 (98.9% above fair value)
  • GF Score™: 48/100 with 5 warning signs

No single metric tells the full story. See the CHIX:STBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Secure Trust Bank Business Description

Other Exchanges STB:UK
Address Arleston Way, Yorke House, Solihull, West Midlands, GBR, B90 4LH
Secure Trust Bank PLC is engaged in the provision of banking and financial services. The company is organised into four operating segments, which consist of the different products available, as follows: i) Consumer Finance: it includes Retail Finance and Vehicle Finance, ii) Business Finance: It includes Real Estate Finance and Commercial Finance, and iii) Other. The majority of revenue is derived from the Retail Finance segment, which provides online e-commerce services to retailers, providing unsecured lending products to prime UK customers. Geographically, the company operates only in the United Kingdom.
48GF Score

Get the complete analysis for CHIX:STBL

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£14.72
Price
£7.40
GF Value