Sterling Financial Holdings Co (NSA:STERLINGNG) ROC %: % (As of Dec. 2025)


NSA:STERLINGNG Sterling Financial Holdings Co PLC NSA:STERLINGNG
58 GF Score
Price ₦7.75
GF Value ₦5.66
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Sterling Financial Holdings Co ROC %?

Sterling Financial Holdings Co NSA:STERLINGNG 58 ROC % is % as of Dec. 2025. GuruFocus rates NSA:STERLINGNG with a GF Score™ of 58/100 and a GF Value™ of ₦5.66 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

NSA:STERLINGNG
58GF Score
Sterling Financial Holdings Co PLC NSA:STERLINGNG
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Sterling Financial Holdings Co (NSA:STERLINGNG) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Sterling Financial Holdings Co and its competitors.
Is Sterling Financial Holdings Co's ROC % too high?
Sterling Financial Holdings Co's current ROC % is %. Overall, Sterling Financial Holdings Co has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's ROC % compare to competitors?
Sterling Financial Holdings Co's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Sterling Financial Holdings Co and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current ROC % is %. 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 ₦5.66, compared to a current price of ₦7.75 — trading 36.9% above its estimated fair value. The current ROC % is %. Sterling Financial Holdings Co's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current ROC % 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 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 36.9% above its estimated GF Value™ of ₦5.66. GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.

Key valuation signals for NSA:STERLINGNG:

  • ROC %: %
  • GF Value™: ₦5.66 vs. price of ₦7.75 (36.9% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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

Address 20, Marina, Sterling Towers, Lagos Island, Lagos, NGA
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.
58GF Score

Get the complete analysis for NSA:STERLINGNG

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦7.75
Price
₦5.66
GF Value