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* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Sterling Financial Holdings Co's PEG Ratio or its related term are showing as below:
NSA:STERLINGNG'
s PEG Ratio Range Over the Past 10 Years
Min: 0.06 Med: 0.47 Max: 3.2
Current: 0.06
During the past 13 years, Sterling Financial Holdings Co's highest PEG Ratio was 3.20. The lowest was 0.06. And the median was 0.47.
NSA:STERLINGNG's PEG Ratio is ranked better than 99.43% of 1230
companies
in the Banks industry
Industry Median: 1.53
vs NSA:STERLINGNG: 0.06
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Sterling Financial Holdings Co (NSA:STERLINGNG) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Sterling Financial Holdings Co PEG Ratio Related Terms
Sterling Financial Holdings Co PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG 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.
Sterling Financial Holdings Co PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Sterling Financial Holdings Co (NSA:STERLINGNG) has a PEG Ratio of 0.06 as of Jul. 14, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sterling Financial Holdings Co and its competitors. This is 87% below median its historical median of 0.47. Over the past decade, Sterling Financial Holdings Co's PEG Ratio has ranged from 0.06 to 3.20. According to the industry distribution chart, Sterling Financial Holdings Co ranks #7 out of 1230 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Sterling Financial Holdings Co's PEG Ratio too high?
Sterling Financial Holdings Co's current PEG Ratio of 0.06 is 87% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 3.20. The Banks industry median PEG Ratio is 1.53. Sterling Financial Holdings Co's value of 0.06 is 96.1% below this industry median. Based on the distribution chart, Sterling Financial Holdings Co ranks #7 out of 1230 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 PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #7 out of 1230 companies for PEG Ratio. This places Sterling Financial Holdings Co in the top 1% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.53. Sterling Financial Holdings Co's value of 0.06 is 96.1% below this benchmark. Historically, Sterling Financial Holdings Co's own PEG Ratio has ranged from 0.06 to 3.20 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 1.53, Sterling Financial Holdings Co 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sterling Financial Holdings Co's current PEG Ratio of 0.06 is 96.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sterling Financial Holdings Co and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current PEG Ratio is 0.06, which is 87% below median its own 10-year median of 0.47. 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 ₦7.75 — trading 36% above its estimated fair value. The current PEG Ratio is 0.06, which is 87% below median its 10-year median of 0.47 and 96.1% below the Banks industry median of 1.53. Sterling Financial Holdings Co's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current PEG Ratio is 0.06 as of Jul. 14, 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% above its estimated GF Value™ of ₦5.70.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
PEG Ratio: 0.06 (87% below median its 10-year median of 0.47)
GF Value™: ₦5.70 vs. price of ₦7.75 (36% above fair value)
Industry Position: 96.1% below the Banks median (#7 of 1230)
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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