The historical rank and industry rank for Sterling Financial Holdings Co's EV-to-FCF or its related term are showing as below:
NSA:STERLINGNG'
s EV-to-FCF Range Over the Past 10 Years
Min: -99.31 Med: -2.44 Max: 8.58
Current: -7.21
During the past 13 years, the highest EV-to-FCF of Sterling Financial Holdings Co was 8.58. The lowest was -99.31. And the median was -2.44.
NSA:STERLINGNG's EV-to-FCF is ranked better than 96.75% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs NSA:STERLINGNG: -7.21
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.
Sterling Financial Holdings Co (NSA:STERLINGNG) 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.
Sterling Financial Holdings Co's PE Ratio (TTM) for today is calculated as:
Sterling Financial Holdings Co's share price for today is ₦7.60.
Sterling Financial Holdings Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦1.172.
* 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.
Sterling Financial Holdings Co EV-to-FCF Related Terms
Sterling Financial Holdings Co EV-to-FCF 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.
For the Banks - Regional subindustry, Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's EV-to-FCF falls into.
Sterling Financial Holdings Co's current Enterprise Value is ₦-1,028,611 Mil.
Sterling Financial Holdings Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦142,580 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-FCF of -7.21 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sterling Financial Holdings Co and its competitors. According to the industry distribution chart, Sterling Financial Holdings Co ranks #39 out of 1199 companies in the Banks industry, placing it in the top 3.3%.
Is Sterling Financial Holdings Co's EV-to-FCF too high?
Sterling Financial Holdings Co's current EV-to-FCF is -7.21. Based on the distribution chart, Sterling Financial Holdings Co ranks #39 out of 1199 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 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #39 out of 1199 companies for EV-to-FCF. This places Sterling Financial Holdings Co in the top 3% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.56. 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 6.56, based on 1,199 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. 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 Sterling Financial Holdings Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — 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-FCF is -7.21. 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 ₦5.70, compared to a current price of ₦7.60 — trading 33.3% above its estimated fair value. The current EV-to-FCF is -7.21. Sterling Financial Holdings Co's overall GF Score™ is 49/100 with 4 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current EV-to-FCF is -7.21 as of Jul. 12, 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 ₦7.60 is trading 33.3% above its estimated GF Value™ of ₦5.70.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
EV-to-FCF: -7.21
GF Value™: ₦5.70 vs. price of ₦7.60 (33.3% above fair value)
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 Business Description
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.
49GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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