Secure Trust Bank (CHIX:STBL) Margin of Safety % (DCF Dividends Based): 38.11% (As of Jul. 01, 2026)


CHIX:STBL Secure Trust Bank PLC CHIX:STBL
53 GF Score
Price £14.50
GF Value £6.86
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Secure Trust Bank Margin of Safety % (DCF Dividends Based)?

Secure Trust Bank CHIX:STBL +2.11% 53 Margin of Safety % (DCF Dividends Based) is 38.11% as of Jul. 01, 2026. GuruFocus rates CHIX:STBL with a GF Score™ of 53/100 and a GF Value™ of £6.86 (Significantly Overvalued). The stock has 6 warning signs investors should review.

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

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-01), Secure Trust Bank's Predictability Rank is 3-Stars. Secure Trust Bank's intrinsic value calculated from the Discounted Dividend model is £30.05 and current share price is £14.50. Consequently,

Secure Trust Bank's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 38.11%.

CHIX:STBL vs PNC, USB: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Secure Trust Bank's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends 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.

Secure Trust Bank Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Secure Trust Bank's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Secure Trust Bank's Margin of Safety % (DCF Dividends Based) falls into.


CHIX:STBL
53GF Score
Secure Trust Bank PLC CHIX:STBL
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Secure Trust Bank Margin of Safety % (DCF Dividends Based) Calculation

Secure Trust Bank's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(23.43-14.50)/23.43
=38.11 %

* 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 Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 38.11% mean?
Secure Trust Bank (CHIX:STBL) has a Margin of Safety % (DCF Dividends Based) of 38.11% as of Jul. 01, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Secure Trust Bank.
Is Secure Trust Bank's Margin of Safety % (DCF Dividends Based) too high?
Secure Trust Bank's current Margin of Safety % (DCF Dividends Based) is 38.11%. 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 Margin of Safety % (DCF Dividends Based) compare to PNC and USB?
Secure Trust Bank's Margin of Safety % (DCF Dividends Based) of 38.11% 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 Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends 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 Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Secure Trust Bank. Secure Trust Bank's current Margin of Safety % (DCF Dividends Based) is 38.11%. 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 £6.86, compared to a current price of £14.50 — trading 111.4% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 38.11%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current Margin of Safety % (DCF Dividends Based) is 38.11% as of Jul. 01, 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 £14.50 is trading 111.4% above its estimated GF Value™ of £6.86. GuruFocus considers Secure Trust Bank to be Significantly Overvalued.

Key valuation signals for CHIX:STBL:

  • Margin of Safety % (DCF Dividends Based): 38.11%
  • GF Value™: £6.86 vs. price of £14.50 (111.4% above fair value)
  • GF Score™: 53/100 with 6 warning signs

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 Business Description

Other Exchanges STB:UK
Address Arleston Way, Yorke House, Solihull, West Midlands, GBR, B90 4LH
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

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

£14.50
Price
£6.86
GF Value