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.
The historical rank and industry rank for Sterling Financial Holdings Co's EV-to-OCF or its related term are showing as below:
NSA:STERLINGNG'
s EV-to-OCF Range Over the Past 10 Years
Min: -36.29 Med: -2.12 Max: 7.85
Current: -17.35
During the past 4 years, the highest EV-to-OCF of Sterling Financial Holdings Co was 7.85. The lowest was -36.29. And the median was -2.12.
NSA:STERLINGNG's EV-to-OCF is ranked better than 92.34% of 1489
companies
in the Banks industry
Industry Median: 4.16
vs NSA:STERLINGNG: -17.35
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.
Sterling Financial Holdings Co (NSA:STERLINGNG) 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.
Sterling Financial Holdings Co's PE Ratio (TTM) for today is calculated as:
Sterling Financial Holdings Co's share price for today is ₦7.70.
Sterling Financial Holdings Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦1.462.
* 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.
Sterling Financial Holdings Co EV-to-OCF Related Terms
Sterling Financial Holdings Co EV-to-OCF Historical Data
* 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 EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's EV-to-OCF falls into.
Sterling Financial Holdings Co's current Enterprise Value is ₦-855,415 Mil.
Sterling Financial Holdings Co's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦-13,621 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 (NSA:STERLINGNG) has a EV-to-OCF of 62.80 as of Sep. 22, 2026. According to the industry distribution chart, Sterling Financial Holdings Co ranks #114 out of 1489 companies in the Banks industry, placing it in the top 7.7%.
Is Sterling Financial Holdings Co's EV-to-OCF too high?
Sterling Financial Holdings Co's current EV-to-OCF is 62.80. The Banks industry median EV-to-OCF is 4.16. Sterling Financial Holdings Co's value of 62.80 is 1409.6% above this industry median. Based on the distribution chart, Sterling Financial Holdings Co ranks #114 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sterling Financial Holdings Co has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #114 out of 1489 companies for EV-to-OCF. This places Sterling Financial Holdings Co in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 4.16. Sterling Financial Holdings Co's value of 62.80 is 1409.6% 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 4.16, based on 1,489 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. Sterling Financial Holdings Co's current EV-to-OCF of 62.80 is 1409.6% 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 4.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current EV-to-OCF is 62.80. 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 ₦5.79, compared to a current price of ₦7.70 — trading 33% above its estimated fair value. The current EV-to-OCF is 62.80 and 1409.6% above the Banks industry median of 4.16. Sterling Financial Holdings Co's overall GF Score™ is 63/100 with 5 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current EV-to-OCF is 62.80 as of Sep. 22, 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 ₦7.70 is trading 33% above its estimated GF Value™ of ₦5.79.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
EV-to-OCF: 62.80
GF Value™: ₦5.79 vs. price of ₦7.70 (33% above fair value)
Industry Position: 1409.6% above the Banks median (#114 of 1489)
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.
63GF Score
Get the complete analysis for NSA:STERLINGNG
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:STERLINGNG has been successfully added to your 
