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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Sterling Financial Holdings Co's annualized net income for the quarter that ended in Dec. 2025 was ₦0 Mil. Sterling Financial Holdings Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ₦363,697 Mil. Therefore, Sterling Financial Holdings Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 0.00%.
The historical rank and industry rank for Sterling Financial Holdings Co's Return-on-Tangible-Equity or its related term are showing as below:
NSA:STERLINGNG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.82 Med: 10.67 Max: 20.99
Current: 10.32
During the past 13 years, Sterling Financial Holdings Co's highest Return-on-Tangible-Equity was 20.99%. The lowest was 5.82%. And the median was 10.67%.
NSA:STERLINGNG's Return-on-Tangible-Equity is ranked worse than 55.68% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs NSA:STERLINGNG: 10.32
Sterling Financial Holdings Co (NSA:STERLINGNG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Sterling Financial Holdings Co Return-on-Tangible-Equity Related Terms
Sterling Financial Holdings Co Return-on-Tangible-Equity 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.
Sterling Financial Holdings Co Return-on-Tangible-Equity Chart
NSA:STERLINGNG vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 0.00% mean?
Sterling Financial Holdings Co (NSA:STERLINGNG) has a Return-on-Tangible-Equity of 0.00% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sterling Financial Holdings Co and its competitors. Over the past decade, Sterling Financial Holdings Co's Return-on-Tangible-Equity has ranged from 5.82 to 20.99. According to the industry distribution chart, Sterling Financial Holdings Co ranks #848 out of 1523 companies in the Banks industry, placing it in the top 55.7%.
Is Sterling Financial Holdings Co's Return-on-Tangible-Equity too high?
Sterling Financial Holdings Co's current Return-on-Tangible-Equity is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.82 to a high of 20.99. Based on the distribution chart, Sterling Financial Holdings Co ranks #848 out of 1523 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #848 out of 1523 companies for Return-on-Tangible-Equity. This places Sterling Financial Holdings Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Historically, Sterling Financial Holdings Co's own Return-on-Tangible-Equity has ranged from 5.82 to 20.99 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sterling Financial Holdings Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current Return-on-Tangible-Equity is 0.00%. 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 ₦5.71, compared to a current price of ₦8.00 — trading 40.1% above its estimated fair value. The current Return-on-Tangible-Equity is 0.00%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current Return-on-Tangible-Equity is 0.00% 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 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 ₦8.00 is trading 40.1% above its estimated GF Value™ of ₦5.71.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
Return-on-Tangible-Equity: 0.00%
GF Value™: ₦5.71 vs. price of ₦8.00 (40.1% above fair value)
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
Get the complete analysis for NSA:STERLINGNG
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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