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Secure Trust BankCHIX:STBL -1.61%53 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates CHIX:STBL with a GF Score™ of 53/100 and a GF Value™ of £7.47 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Secure Trust Bank ranks better than 54.59% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Secure Trust Bank's Total Stockholders Equity for the quarter that ended in Jun. 2026 was £389.1 Mil. Secure Trust Bank's Total Assets for the quarter that ended in Jun. 2026 was £3,953.8 Mil.
Therefore, Secure Trust Bank's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Secure Trust Bank's Equity-to-Asset or its related term are showing as below:
CHIX:STBl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.1 Max: 0.16
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Secure Trust Bank was 0.16. The lowest was 0.09. And the median was 0.10.
CHIX:STBl's Equity-to-Asset is ranked better than 54.59% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs CHIX:STBl: 0.10
Secure Trust Bank (CHIX:STBl) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Secure Trust Bank Equity-to-Asset Related Terms
Secure Trust Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Secure Trust Bank's Equity-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.
For the Banks - Regional subindustry, Secure Trust Bank's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Secure Trust Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Secure Trust Bank and its competitors. This is near median its historical median of 0.10. Over the past decade, Secure Trust Bank's Equity-to-Asset has ranged from 0.09 to 0.16. According to the industry distribution chart, Secure Trust Bank ranks #693 out of 1526 companies in the Banks industry, placing it in the top 45.4%.
Is Secure Trust Bank's Equity-to-Asset too high?
Secure Trust Bank's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Secure Trust Bank's value of 0.10 is 0% at this industry median. Based on the distribution chart, Secure Trust Bank ranks #693 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Secure Trust Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #693 out of 1526 companies for Equity-to-Asset. This puts Secure Trust Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Secure Trust Bank's value of 0.10 is 0% at this benchmark. Historically, Secure Trust Bank's own Equity-to-Asset has ranged from 0.09 to 0.16 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Secure Trust Bank has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 £7.47, compared to a current price of £15.86 — trading 112.3% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Secure Trust Bank's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current Equity-to-Asset is 0.10 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 £15.86 is trading 112.3% above its estimated GF Value™ of £7.47.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: £7.47 vs. price of £15.86 (112.3% above fair value)
Industry Position: 0% at the Banks median (#693 of 1526)
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.
53GF Score
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