Secure Trust BankCHIX:STBL -1.17%54 Net Margin % is 1.52% as of Dec. 2025, which is 92% below its 10-year median of 18.51. GuruFocus rates CHIX:STBL with a GF Score™ of 54/100 and a GF Value™ of £6.84 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Secure Trust Bank ranks worse than 86.96% on this metric.
The historical rank and industry rank for Secure Trust Bank's Net Margin % or its related term are showing as below:
CHIX:STBl'
s Net Margin % Range Over the Past 10 Years
Min: 9.45 Med: 18.51 Max: 128.5
Current: 10.62
CHIX:STBl's Net Margin % is ranked worse than 86.96% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CHIX:STBl: 10.62
Secure Trust Bank (CHIX:STBl) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Secure Trust Bank Net Margin % Related Terms
Secure Trust Bank Net Margin % Historical Data
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The historical data trend for Secure Trust Bank's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's Net Margin % falls into.
* 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 Net Margin % of 1.52% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Secure Trust Bank and its competitors. This is 92% below median its historical median of 18.51. Over the past decade, Secure Trust Bank's Net Margin % has ranged from 9.45 to 128.50. According to the industry distribution chart, Secure Trust Bank ranks #1327 out of 1526 companies in the Banks industry, placing it in the top 87%.
Is Secure Trust Bank's Net Margin % too high?
Secure Trust Bank's current Net Margin % of 1.52% is 92% below median its 10-year median of 18.51. Over the past 10 years, this metric has ranged from a low of 9.45 to a high of 128.50. The Banks industry median Net Margin % is 26.97. Secure Trust Bank's value of 1.52% is 94.4% below this industry median. Based on the distribution chart, Secure Trust Bank ranks #1327 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Secure Trust Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Secure Trust Bank ranks #1327 out of 1526 companies for Net Margin %. This places Secure Trust Bank in the lower half of its industry. The industry median Net Margin % is 26.97. Secure Trust Bank's value of 1.52% is 94.4% below this benchmark. Historically, Secure Trust Bank's own Net Margin % has ranged from 9.45 to 128.50 over the past decade. While the company's 10-year median is 18.51 vs. the industry median of 26.97, Secure Trust Bank has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current Net Margin % of 1.52% is 94.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current Net Margin % is 1.52%, which is 92% below median its own 10-year median of 18.51. 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 £6.84, compared to a current price of £13.54 — trading 98% above its estimated fair value. The current Net Margin % is 1.52%, which is 92% below median its 10-year median of 18.51 and 94.4% below the Banks industry median of 26.97. Secure Trust Bank's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current Net Margin % is 1.52% as of Dec. 2025. 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 £13.54 is trading 98% above its estimated GF Value™ of £6.84.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
Net Margin %: 1.52% (92% below median its 10-year median of 18.51)
GF Value™: £6.84 vs. price of £13.54 (98% above fair value)
Industry Position: 94.4% below the Banks median (#1327 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.
54GF Score
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