Secure Trust BankLSE:STB -0.29%49 Dividend Payout Ratio is 0.09 as of Dec. 2025, which is 76% below its 10-year median of 0.38. GuruFocus rates LSE:STB with a GF Score™ of 49/100 and a GF Value™ of £6.82 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,172 Banks companies, Secure Trust Bank ranks better than 87.2% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Secure Trust Bank's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.09.
The historical rank and industry rank for Secure Trust Bank's Dividend Payout Ratio or its related term are showing as below:
LSE:STB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15 Med: 0.38 Max: 0.93
Current: 0.15
During the past 13 years, the highest Dividend Payout Ratio of Secure Trust Bank was 0.93. The lowest was 0.15. And the median was 0.38.
LSE:STB's Dividend Payout Ratio is ranked better than 87.2% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs LSE:STB: 0.15
During the past 12 months, Secure Trust Bank's average Dividends Per Share Growth Rate was 24.70% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -15.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Secure Trust Bank was 55.90% per year. The lowest was -24.50% per year. And the median was 5.10% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Secure Trust Bank (LSE:STB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Secure Trust Bank Dividend Payout Ratio Related Terms
Secure Trust Bank Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Secure Trust Bank's Dividend Payout Ratio 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.
LSE:STB vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Secure Trust Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's Dividend Payout Ratio falls into.
Secure Trust Bank Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Secure Trust Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (LSE:STB) has a Dividend Payout Ratio of 0.09 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Secure Trust Bank and its competitors. This is 76% below median its historical median of 0.38. Over the past decade, Secure Trust Bank's Dividend Payout Ratio has ranged from 0.15 to 0.93. According to the industry distribution chart, Secure Trust Bank ranks #150 out of 1172 companies in the Banks industry, placing it in the top 12.8%.
Is Secure Trust Bank's Dividend Payout Ratio too high?
Secure Trust Bank's current Dividend Payout Ratio of 0.09 is 76% below median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.93. The Banks industry median Dividend Payout Ratio is 0.32. Secure Trust Bank's value of 0.09 is 71.9% below this industry median. Based on the distribution chart, Secure Trust Bank ranks #150 out of 1172 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Secure Trust Bank has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #150 out of 1172 companies for Dividend Payout Ratio. This places Secure Trust Bank in the top 13% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Secure Trust Bank's value of 0.09 is 71.9% below this benchmark. Historically, Secure Trust Bank's own Dividend Payout Ratio has ranged from 0.15 to 0.93 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current Dividend Payout Ratio of 0.09 is 71.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current Dividend Payout Ratio is 0.09, which is 76% below median its own 10-year median of 0.38. 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 (LSE:STB) is currently considered Significantly Overvalued. The stock's GF Value™ is £6.82, compared to a current price of £13.76 — trading 101.8% above its estimated fair value. The current Dividend Payout Ratio is 0.09, which is 76% below median its 10-year median of 0.38 and 71.9% below the Banks industry median of 0.32. Secure Trust Bank's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Secure Trust Bank (LSE:STB), the current Dividend Payout Ratio is 0.09 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 (LSE:STB) Overvalued in 2026?
Based on GuruFocus' analysis, Secure Trust Bank stock appears to be overvalued.
The current stock price of £13.76 is trading 101.8% above its estimated GF Value™ of £6.82.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for LSE:STB:
Dividend Payout Ratio: 0.09 (76% below median its 10-year median of 0.38)
GF Value™: £6.82 vs. price of £13.76 (101.8% above fair value)
Industry Position: 71.9% below the Banks median (#150 of 1172)
No single metric tells the full story. See the LSE:STB 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.
49GF Score
Get the complete analysis for LSE:STB
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:STB has been successfully added to your 
