Sterling Financial Holdings Co (NSA:STERLINGNG) E10: ₦0.00 (As of Dec. 2025)


NSA:STERLINGNG Sterling Financial Holdings Co PLC NSA:STERLINGNG
58 GF Score
Price ₦7.75
GF Value ₦5.66
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Sterling Financial Holdings Co E10?

Sterling Financial Holdings Co NSA:STERLINGNG +8.39% 58 E10 is ₦0.00 as of Dec. 2025. GuruFocus rates NSA:STERLINGNG with a GF Score™ of 58/100 and a GF Value™ of ₦5.66 (Significantly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Sterling Financial Holdings Co's adjusted earnings per share data for the three months ended in Dec. 2025 was ₦0.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₦0.00 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Sterling Financial Holdings Co's average E10 Growth Rate was -100.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-30), Sterling Financial Holdings Co's current stock price is ₦7.75. Sterling Financial Holdings Co's E10 for the quarter that ended in Dec. 2025 was ₦0.00. Sterling Financial Holdings Co's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Sterling Financial Holdings Co was 16.35. The lowest was 3.80. And the median was 10.36.


Sterling Financial Holdings Co  (NSA:STERLINGNG) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Sterling Financial Holdings Co was 16.35. The lowest was 3.80. And the median was 10.36.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Sterling Financial Holdings Co E10 Related Terms


Sterling Financial Holdings Co E10 Historical Data

* Premium members only.

The historical data trend for Sterling Financial Holdings Co's E10 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.

Sterling Financial Holdings Co E10 Chart

Sterling Financial Holdings Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.46 0.52 0.00

Sterling Financial Holdings Co Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Dec25
E10 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 0.47 0.48 0.51 0.52 0.00

NSA:STERLINGNG vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Sterling Financial Holdings Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


Sterling Financial Holdings Co Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Sterling Financial Holdings Co's Shiller PE Ratio falls into.


NSA:STERLINGNG
58GF Score
Sterling Financial Holdings Co PLC NSA:STERLINGNG
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sterling Financial Holdings Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Sterling Financial Holdings Co's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0/324.0540*324.0540
=0.000

Current CPI (Dec. 2025) = 324.0540.

Sterling Financial Holdings Co Quarterly Data

per share eps CPI Adj_EPS
201503 0.140 236.119 0.192
201506 0.052 238.638 0.071
201509 0.074 237.945 0.101
201512 -0.256 236.525 -0.351
201606 0.051 241.018 0.069
201609 0.053 241.428 0.071
201612 -0.010 241.432 -0.013
201703 0.070 243.801 0.093
201706 0.067 244.955 0.089
201709 0.073 246.819 0.096
201712 0.070 246.524 0.092
201803 0.110 249.554 0.143
201806 0.108 251.989 0.139
201809 0.069 252.439 0.089
201812 0.030 251.233 0.039
201903 0.110 254.202 0.140
201906 0.084 256.143 0.106
201909 0.066 256.759 0.083
201912 0.110 256.974 0.139
202003 0.070 258.115 0.088
202006 0.116 257.797 0.146
202009 0.068 260.280 0.085
202012 0.130 260.474 0.162
202103 0.080 264.877 0.098
202106 0.114 271.696 0.136
202109 0.131 274.310 0.155
202112 0.190 278.802 0.221
202203 0.120 287.504 0.135
202206 0.155 296.311 0.170
202209 0.187 296.808 0.204
202212 0.200 296.797 0.218
202303 0.140 301.836 0.150
202306 0.230 305.109 0.244
202309 0.202 307.789 0.213
202312 0.167 306.746 0.176
202403 0.259 312.332 0.269
202406 0.303 314.175 0.313
202409 0.388 315.301 0.399
202412 0.222 315.605 0.228
202512 0.000 324.054 0.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₦0.00 mean?
Sterling Financial Holdings Co (NSA:STERLINGNG) has a E10 of ₦0.00 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sterling Financial Holdings Co and its competitors.
Is Sterling Financial Holdings Co's E10 too high?
Sterling Financial Holdings Co's current E10 is ₦0.00. Overall, Sterling Financial Holdings Co has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's E10 compare to PNC and USB?
Sterling Financial Holdings Co's E10 of ₦0.00 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sterling Financial Holdings Co and its competitors. Sterling Financial Holdings Co's current E10 is ₦0.00. 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 Significantly Overvalued. The stock's GF Value™ is ₦5.66, compared to a current price of ₦7.75 — trading 36.9% above its estimated fair value. The current E10 is ₦0.00. Sterling Financial Holdings Co's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current E10 is ₦0.00 as of Dec. 2025. 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 36.9% above its estimated GF Value™ of ₦5.66. GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.

Key valuation signals for NSA:STERLINGNG:

  • E10: ₦0.00
  • GF Value™: ₦5.66 vs. price of ₦7.75 (36.9% above fair value)
  • GF Score™: 58/100 with 4 warning signs

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 Business Description

Address 20, Marina, Sterling Towers, Lagos Island, Lagos, NGA
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.
58GF Score

Get the complete analysis for NSA:STERLINGNG

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦7.75
Price
₦5.66
GF Value