Secure Trust Bank (CHIX:STBL) Shiller PE Ratio: (As of Sep. 21, 2026)

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CHIX:STBL Secure Trust Bank PLC CHIX:STBL
48 GF Score
Price £15.48
GF Value £8.33
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Secure Trust Bank Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Secure Trust Bank  (CHIX:STBl) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Secure Trust Bank Shiller PE Ratio Related Terms


Secure Trust Bank Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for Secure Trust Bank's Shiller PE Ratio 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.

Secure Trust Bank Shiller PE Ratio Chart

Secure Trust Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.99 4.61 4.04 2.11 7.56

Secure Trust Bank Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.44 2.11 4.63 7.47 8.39

CHIX:STBL vs USB, PNC: Shiller PE Ratio Comparison

For the Banks - Regional subindustry, Secure Trust Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Secure Trust Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Secure Trust Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Secure Trust Bank's Shiller PE Ratio falls into.


CHIX:STBL
48GF Score
Secure Trust Bank PLC CHIX:STBL
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Secure Trust Bank Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Secure Trust Bank's E10 for the fiscal year that ended in Dec25 is calculated as:

For example, Secure Trust Bank's adjusted earnings per share data for the fiscal year that ended in Dec25 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec25 (Change)*Current CPI (Dec25)
=0.8903/139.9000*139.9000
=0.890

Current CPI (Dec25) = 139.9000.

Secure Trust Bank Annual Data

Earnings per Share (Diluted) CPI Adj_EPS
201612 1.127 102.200 1.543
201712 1.252 105.000 1.668
201812 1.509 107.100 1.971
201912 1.664 108.500 2.145
202012 0.810 109.400 1.036
202112 2.394 114.700 2.920
202212 1.747 125.300 1.951
202312 1.261 130.500 1.352
202412 1.014 135.100 1.050
202512 0.890 139.900 0.890

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

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 £15.48 is trading 85.8% above its estimated GF Value™ of £8.33. GuruFocus considers Secure Trust Bank to be Significantly Overvalued.

Key valuation signals for CHIX:STBL:

  • Shiller PE Ratio:
  • GF Value™: £8.33 vs. price of £15.48 (85.8% above fair value)
  • GF Score™: 48/100 with 5 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.
48GF Score

Get the complete analysis for CHIX:STBL

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

£15.48
Price
£8.33
GF Value