Secure Trust BankLSE:STB -0.29%49 Pretax Margin % is 62.29% as of Dec. 2025, which is 193% above its 10-year median of 21.25. 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 1,530 Banks companies, Secure Trust Bank ranks better than 52.29% on this metric.
The historical rank and industry rank for Secure Trust Bank's Pretax Margin % or its related term are showing as below:
LSE:STB'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.72 Med: 21.25 Max: 37.57
Current: 35.77
LSE:STB's Pretax Margin % is ranked better than 52.29% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs LSE:STB: 35.77
Secure Trust Bank (LSE:STB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Secure Trust Bank Pretax Margin % Related Terms
Secure Trust Bank Pretax Margin % Historical Data
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The historical data trend for Secure Trust Bank's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's Pretax 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 (LSE:STB) has a Pretax Margin % of 62.29% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Secure Trust Bank and its competitors. This is 193% above median its historical median of 21.25. Over the past decade, Secure Trust Bank's Pretax Margin % has ranged from 11.72 to 37.57. According to the industry distribution chart, Secure Trust Bank ranks #730 out of 1530 companies in the Banks industry, placing it in the top 47.7%.
Is Secure Trust Bank's Pretax Margin % too high?
Secure Trust Bank's current Pretax Margin % of 62.29% is 193% above median its 10-year median of 21.25. Over the past 10 years, this metric has ranged from a low of 11.72 to a high of 37.57. The Banks industry median Pretax Margin % is 34.72. Secure Trust Bank's value of 62.29% is 79.4% above this industry median. Based on the distribution chart, Secure Trust Bank ranks #730 out of 1530 companies in the Banks industry, which is above the industry midpoint. 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 Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Secure Trust Bank ranks #730 out of 1530 companies for Pretax Margin %. This puts Secure Trust Bank in the upper half of its industry. The industry median Pretax Margin % is 34.72. Secure Trust Bank's value of 62.29% is 79.4% above this benchmark. Historically, Secure Trust Bank's own Pretax Margin % has ranged from 11.72 to 37.57 over the past decade. While the company's 10-year median is 21.25 vs. the industry median of 34.72, Secure Trust Bank has consistently been above 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current Pretax Margin % of 62.29% is 79.4% above 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current Pretax Margin % is 62.29%, which is 193% above median its own 10-year median of 21.25. 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 Pretax Margin % is 62.29%, which is 193% above median its 10-year median of 21.25 and 79.4% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Secure Trust Bank (LSE:STB), the current Pretax Margin % is 62.29% 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:
Pretax Margin %: 62.29% (193% above median its 10-year median of 21.25)
GF Value™: £6.82 vs. price of £13.76 (101.8% above fair value)
Industry Position: 79.4% above the Banks median (#730 of 1530)
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
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