Sterling Financial Holdings Co (NSA:STERLINGNG) Margin of Safety % (DCF Earnings Based): 79.54% (As of Jun. 27, 2026)


NSA:STERLINGNG Sterling Financial Holdings Co PLC NSA:STERLINGNG
58 GF Score
Price ₦7.75
GF Value ₦5.66
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Sterling Financial Holdings Co Margin of Safety % (DCF Earnings Based)?

Sterling Financial Holdings Co NSA:STERLINGNG 58 Margin of Safety % (DCF Earnings Based) is 79.54% as of Jun. 27, 2026. GuruFocus rates NSA:STERLINGNG with a GF Score™ of 58/100 and a GF Value™ of ₦5.66 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-27), Sterling Financial Holdings Co's Predictability Rank is 3-Stars. Sterling Financial Holdings Co's intrinsic value calculated from the Discounted Earnings model is ₦37.88 and current share price is ₦7.75. Consequently,

Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 79.54%.

Sterling Financial Holdings Co Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) falls into.


NSA:STERLINGNG
58GF Score
Sterling Financial Holdings Co PLC NSA:STERLINGNG
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sterling Financial Holdings Co Margin of Safety % (DCF Earnings Based) Calculation

Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(37.88-7.75)/37.88
=79.54 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 79.54% mean?
Sterling Financial Holdings Co (NSA:STERLINGNG) has a Margin of Safety % (DCF Earnings Based) of 79.54% as of Jun. 27, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Sterling Financial Holdings Co.
Is Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) too high?
Sterling Financial Holdings Co's current Margin of Safety % (DCF Earnings Based) is 79.54%. Overall, Sterling Financial Holdings Co has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) compare to competitors?
Sterling Financial Holdings Co's Margin of Safety % (DCF Earnings Based) of 79.54% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Sterling Financial Holdings Co. Sterling Financial Holdings Co's current Margin of Safety % (DCF Earnings Based) is 79.54%. 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 ₦5.66, compared to a current price of ₦7.75 — trading 36.9% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 79.54%. Sterling Financial Holdings Co's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current Margin of Safety % (DCF Earnings Based) is 79.54% as of Jun. 27, 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 ₦7.75 is trading 36.9% above its estimated GF Value™ of ₦5.66. GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.

Key valuation signals for NSA:STERLINGNG:

  • Margin of Safety % (DCF Earnings Based): 79.54%
  • GF Value™: ₦5.66 vs. price of ₦7.75 (36.9% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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

Address 20, Marina, Sterling Towers, Lagos Island, Lagos, NGA
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.
58GF Score

Get the complete analysis for NSA:STERLINGNG

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦7.75
Price
₦5.66
GF Value