Secure Trust Bank PLC (LON:STB)

Secure Trust Bank Financials Overview

Financials in millions GBP. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	139.2	133.8	132.3	141.8	132.5	145.4
Revenue Growth	4.04%	1.13%	-6.70%	7.02%	-8.87%	30.17%
Net Income Net Income Growth	24.6	17.6	19.7	24.3	33.7	45.6
Earnings Per Share EPS Growth	1.25	0.89	1.01	1.26	1.80	2.45
EPS Growth	39.91%	-12.27%	-19.54%	-30.13%	-26.24%	202.06%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Retail Finance Retail Finance Growth	83	82	76.7	60.4	50	67.7
Other Other Growth	7.1	7.3	5.8	7.4	11.6	-1.1
Business Finance - Real Estate Finance Business Finance - Real Estate Finance Growth	-	25.7	29	26.1	28.6	54.8
Business Finance - Commercial Finance Business Finance - Commercial Finance Growth	-	18.8	20.8	16.5	22.2	17.4
Total Total Growth	139.2	133.8	132.3	141.8	139.2	194.3

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	339.5	572.4	476.5	421.9	419.8	307
Total Debt Total Debt Growth	276.5	308.6	467.5	518	457.4	445.7
Net Cash (Debt) Net Cash Growth	63	263.8	9	-96.1	-37.6	-138.7
Net Cash Growth	-76.12%	2831.11%	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	3.19	13.34	0.46	-4.99	-1.95	-7.28

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	67.4	-7.7	-261.4	-402.6	-378.7	-207.1
Capital Expenditures CapEx Growth	-2.3	-1.6	-1	-2.7	-2.7	-1.3
Free Cash Flow Free Cash Flow Growth	65.1	-9.3	-262.4	-405.3	-381.4	-208.4
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	17.67%	13.15%	14.89%	17.14%	25.43%	31.36%
FCF Margin	46.77%	-6.95%	-198.34%	-285.82%	-287.85%	-143.33%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 1, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.355	0.355	0.338	0.322	0.451	0.611
Dividend Per Share Growth	5.25%	5.03%	4.97%	-28.60%	-26.19%	38.86%
Dividend Yield	2.38%	2.93%	10.06%	5.23%	7.19%	5.78%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 1, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	6.34	13.51	3.50	5.38	4.16	5.44
Forward PE	5.84	4.60	1.58	3.43	4.50	6.41
PS Ratio	2.01	1.78	0.52	0.92	1.06	1.71

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Aug 30, 2026

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