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.
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.
Secure Trust BankCHIX:STBL -0.26%48 3-Year EPS without NRI Growth Rate is 14.80% as of Jun. 2026, which is at its 10-year median of 14.80. GuruFocus rates CHIX:STBL with a GF Score™ of 48/100 and a GF Value™ of £8.33 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,401 Banks companies, Secure Trust Bank ranks better than 66.31% on this metric.
During the past 12 months, Secure Trust Bank's average EPS without NRI Growth Rate was 30.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 14.80% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 7.20% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Secure Trust Bank was 29.10% per year. The lowest was -16.40% per year. And the median was 14.80% per year.
Secure Trust Bank (CHIX:STBl) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Secure Trust Bank 3-Year EPS without NRI Growth Rate Related Terms
CHIX:STBL vs USB, PNC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Secure Trust Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's 3-Year EPS without NRI Growth Rate falls into.
Secure Trust Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 14.80% mean?
Secure Trust Bank (CHIX:STBL) has a 3-Year EPS without NRI Growth Rate of 14.80% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Secure Trust Bank and its competitors. This is near median its historical median of 14.80. According to the industry distribution chart, Secure Trust Bank ranks #472 out of 1401 companies in the Banks industry, placing it in the top 33.7%.
Is Secure Trust Bank's 3-Year EPS without NRI Growth Rate too high?
Secure Trust Bank's current 3-Year EPS without NRI Growth Rate of 14.80% is near median its 10-year median of 14.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Secure Trust Bank's value of 14.80% is 94.7% above this industry median. Based on the distribution chart, Secure Trust Bank ranks #472 out of 1401 companies in the Banks industry, which is above the industry midpoint. 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 3-Year EPS without NRI Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Secure Trust Bank ranks #472 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This puts Secure Trust Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Secure Trust Bank's value of 14.80% is 94.7% above this benchmark. While the company's 10-year median is 14.80 vs. the industry median of 7.60, Secure Trust Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current 3-Year EPS without NRI Growth Rate of 14.80% is 94.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Secure Trust Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current 3-Year EPS without NRI Growth Rate is 14.80%, which is near median its own 10-year median of 14.80. 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 £8.33, compared to a current price of £15.48 — trading 85.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 14.80%, which is near median its 10-year median of 14.80 and 94.7% above the Banks industry median of 7.60. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current 3-Year EPS without NRI Growth Rate is 14.80% 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 £15.48 is trading 85.8% above its estimated GF Value™ of £8.33.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
3-Year EPS without NRI Growth Rate: 14.80% (near median its 10-year median of 14.80)
GF Value™: £8.33 vs. price of £15.48 (85.8% above fair value)
Industry Position: 94.7% above the Banks median (#472 of 1401)
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 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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:STBL has been successfully added to your 
