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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Secure Trust Bank's Enterprise Value is £1,383.7 Mil.
Secure Trust Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £257.0 Mil. Therefore, Secure Trust Bank's EV-to-OCF for today is 5.38.
The historical rank and industry rank for Secure Trust Bank's EV-to-OCF or its related term are showing as below:
CHIX:STBl'
s EV-to-OCF Range Over the Past 10 Years
Min: -6.41 Med: -0.42 Max: 10.23
Current: 5.38
During the past 13 years, the highest EV-to-OCF of Secure Trust Bank was 10.23. The lowest was -6.41. And the median was -0.42.
CHIX:STBl's EV-to-OCF is ranked worse than 54.81% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs CHIX:STBl: 5.38
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Secure Trust Bank (CHIX:STBl) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Secure Trust Bank's PE Ratio (TTM) for today is calculated as:
Secure Trust Bank's share price for today is £15.94.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Secure Trust Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £0.890.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Secure Trust Bank EV-to-OCF Related Terms
Secure Trust Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Secure Trust Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, Secure Trust Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's EV-to-OCF falls into.
Secure Trust Bank's current Enterprise Value is £1,383.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Secure Trust Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £257.0 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.
Secure Trust Bank (CHIX:STBL) has a EV-to-OCF of 5.38 as of Aug. 09, 2026. According to the industry distribution chart, Secure Trust Bank ranks #821 out of 1498 companies in the Banks industry, placing it in the top 54.8%.
Is Secure Trust Bank's EV-to-OCF too high?
Secure Trust Bank's current EV-to-OCF is 5.38. The Banks industry median EV-to-OCF is 4.04. Secure Trust Bank's value of 5.38 is 33.2% above this industry median. Based on the distribution chart, Secure Trust Bank ranks #821 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Secure Trust Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's EV-to-OCF compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #821 out of 1498 companies for EV-to-OCF. This places Secure Trust Bank in the lower half of its industry. The industry median EV-to-OCF is 4.04. Secure Trust Bank's value of 5.38 is 33.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current EV-to-OCF of 5.38 is 33.2% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current EV-to-OCF is 5.38. 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 £6.60, compared to a current price of £15.94 — trading 141.5% above its estimated fair value. The current EV-to-OCF is 5.38 and 33.2% above the Banks industry median of 4.04. Secure Trust Bank's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current EV-to-OCF is 5.38 as of Aug. 09, 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 £15.94 is trading 141.5% above its estimated GF Value™ of £6.60.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
EV-to-OCF: 5.38
GF Value™: £6.60 vs. price of £15.94 (141.5% above fair value)
Industry Position: 33.2% above the Banks median (#821 of 1498)
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.
64GF Score
Get the complete analysis for CHIX:STBL
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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