Secure Trust Bank (CHIX:STBL) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


CHIX:STBL Secure Trust Bank PLC CHIX:STBL
54 GF Score
Price £14.82
GF Value £6.89
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Secure Trust Bank ROC (Joel Greenblatt) %?

Secure Trust Bank CHIX:STBL -2.37% 54 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates CHIX:STBL with a GF Score™ of 54/100 and a GF Value™ of £6.89 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 46 Banks companies, Secure Trust Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CHIX:STBL
54GF Score
Secure Trust Bank PLC CHIX:STBL
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Secure Trust Bank (CHIX:STBL) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Secure Trust Bank and its competitors. According to the industry distribution chart, Secure Trust Bank ranks #999999 out of 46 companies in the Banks industry.
Is Secure Trust Bank's ROC (Joel Greenblatt) % too high?
Secure Trust Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Secure Trust Bank ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Secure Trust Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.63, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current ROC (Joel Greenblatt) % is %. 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 £6.89, compared to a current price of £14.82 — trading 115.1% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Secure Trust Bank's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current ROC (Joel Greenblatt) % is % 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 £14.82 is trading 115.1% above its estimated GF Value™ of £6.89. GuruFocus considers Secure Trust Bank to be Significantly Overvalued.

Key valuation signals for CHIX:STBL:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: £6.89 vs. price of £14.82 (115.1% above fair value)
  • GF Score™: 54/100 with 7 warning signs

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 Business Description

Other Exchanges STB:UK
Address Arleston Way, Yorke House, Solihull, West Midlands, GBR, B90 4LH
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£14.82
Price
£6.89
GF Value