EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Secure Trust Bank's Enterprise Value is £1,352.5 Mil.
Secure Trust Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £255.4 Mil. Therefore, Secure Trust Bank's EV-to-FCF for today is 5.30.
The historical rank and industry rank for Secure Trust Bank's EV-to-FCF or its related term are showing as below:
CHIX:STBl'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.99 Med: -0.41 Max: 13.87
Current: 5.27
During the past 13 years, the highest EV-to-FCF of Secure Trust Bank was 13.87. The lowest was -6.99. And the median was -0.41.
CHIX:STBl's EV-to-FCF is ranked better than 54.93% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs CHIX:STBl: 5.27
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 £14.20.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Secure Trust Bank EV-to-FCF Related Terms
Secure Trust Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Secure Trust Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's EV-to-FCF falls into.
Secure Trust Bank's current Enterprise Value is £1,352.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Secure Trust Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £255.4 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-FCF of 5.30 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Secure Trust Bank and its competitors. According to the industry distribution chart, Secure Trust Bank ranks #539 out of 1196 companies in the Banks industry, placing it in the top 45.1%.
Is Secure Trust Bank's EV-to-FCF too high?
Secure Trust Bank's current EV-to-FCF is 5.30. The Banks industry median EV-to-FCF is 6.55. Secure Trust Bank's value of 5.30 is 19% below this industry median. Based on the distribution chart, Secure Trust Bank ranks #539 out of 1196 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 EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #539 out of 1196 companies for EV-to-FCF. This puts Secure Trust Bank in the upper half of its industry. The industry median EV-to-FCF is 6.55. Secure Trust Bank's value of 5.30 is 19% below 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current EV-to-FCF of 5.30 is 19% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current EV-to-FCF is 5.30. 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 £6.80, compared to a current price of £14.20 — trading 108.8% above its estimated fair value. The current EV-to-FCF is 5.30 and 19% below the Banks industry median of 6.55. Secure Trust Bank's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current EV-to-FCF is 5.30 as of Jun. 30, 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 £14.20 is trading 108.8% above its estimated GF Value™ of £6.80.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
EV-to-FCF: 5.30
GF Value™: £6.80 vs. price of £14.20 (108.8% above fair value)
Industry Position: 19% below the Banks median (#539 of 1196)
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
Get the complete analysis for CHIX:STBL
EV-to-FCF 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 
