Market Price

13.28 

0.18 1.4%

as of Mar 20 '19

52 Week Range:

11.30 21.20


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Secure Trust Bank PLC provides retail banking products and services in the United Kingdom. It operates in seven segments: Real Estate Finance, Asset Finance, Commercial Finance, Personal Lending, Motor Finance, Retail Finance, and Consumer Mortgages. The Real Estate Finance segment provides finance for commercial and residential real estate developments and investments, as well as for mixed development projects. The Asset Finance segment offers loans to acquire the commercial assets, such as commercial vehicles, and building and manufacturing equipment to small and medium sized enterprises (SMEs). The Commercial Finance segment provides invoice financing solutions, including invoice factoring and discounting services to SMEs. The Personal Lending segment offers unsecured consumer loans through broker aggregators and partners. The Motor Finance segment provides hire purchase agreements secured against the vehicle being financed. This segment distributes its motor finance products through motor dealers, brokers, and Internet introducers. The Retail Finance segment offers point of sale unsecured finance for in-store and online retailers. This segment serves retailers of various industries, including cycle, music, furniture, outdoor/leisure, electronics, dental, jewelry, home improvements, and football season tickets. The Consumer Mortgages segment provides residential mortgages for self-employed and contract workers through mortgage intermediaries. The company also provides savings products, including notice deposits, and term deposits, as well as deposit bonds; current accounts; debt collection services; and property rental and leasing services. The company was founded in 1952 and is headquartered in Solihull, the United Kingdom. Secure Trust Bank PLC is a subsidiary of Arbuthnot Banking Group PLC.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 0.62
0.85
1.12
1.11
3.57
6.93
3.48
7.06
12.36
12.95
growth rate 37.1% 31.8% -0.9% 221.6% 94.1% -49.8% 102.9% 75.1% 4.8%
Earnings BIT 5.03
8.10
8.69
7.28
17.17
17.10
growth rate 61.0% 7.3% -16.2% 135.9% -0.4%
Avg.PE 20.96
14.41
38.17
30.42
20.63
2.75
13.45
growth rate -31.3% 164.9% -20.3% -32.2% -86.7% 389.1%
ROA 6.59
6.87
4.22
2.07
3.97
2.46
3.13
2.83
9.97
1.40
growth rate 4.3% -38.6% -51.0% 91.8% -38.0% 27.2% -9.6% 252.3% -86.0%
ROE 40.08
55.81
44.89
25.57
38.97
20.86
21.94
21.57
72.91
9.81
growth rate 39.3% -19.6% -43.0% 52.4% -46.5% 5.2% -1.7% 238.0% -86.6%
ROIC 40.08
55.81
44.89
45.27
62.74
36.72
33.94
growth rate 39.3% -19.6% 0.9% 38.6% -41.5% -7.6%
Leverage 6.08
9.61
11.44
12.93
8.49
8.48
6.26
8.83
6.40
7.59
growth rate 58.1% 19.0% 13.0% -34.3% -0.1% -26.2% 41.1% -27.5% 18.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 13.00
7.00
2.00
4.70
1.70
2.80
0.70
1.20
growth rate -46.2% -71.4% 135.0% -63.8% 64.7% -75.0% 71.4%
Acct.Payable 154.00
278.00
405.00
442.20
615.00
1,046.90
1,151.80
1,483.20
growth rate 80.5% 45.7% 9.2% 39.1% 70.2% 10.0% 28.8%
Cur.Assets 85.00
127.00
100.00
98.10
111.20
267.20
135.10
265.80
growth rate 49.4% -21.3% -1.9% 13.4% 140.3% -49.4% 96.7%
Total Assets 53.20
115.80
181.00
308.00
475.00
525.90
782.30
1,247.40
1,510.00
1,891.60
growth rate 117.7% 56.3% 70.2% 54.2% 10.7% 48.8% 59.5% 21.1% 25.3%
Cash 68.00
120.00
94.00
90.00
106.00
141.60
130.20
260.40
growth rate 76.5% -21.7% -4.3% 17.8% 33.6% -8.1% 100.0%
Cur.Liabilities 162.00
281.00
418.00
461.70
657.10
1,104.10
1,251.30
1,611.60
growth rate 73.5% 48.8% 10.5% 42.3% 68.0% 13.3% 28.8%
Liabilities 44.50
103.70
165.00
284.00
419.00
464.30
657.40
1,106.20
1,274.00
1,642.50
growth rate 133.0% 59.1% 72.1% 47.5% 10.8% 41.6% 68.3% 15.2% 28.9%
LT Debt 1.00
2.40
2.00
3.00
0.00
growth rate 140.0% -16.7% 50.0% -100.0%
Equity 8.70
12.00
15.80
23.80
55.90
61.60
124.90
141.20
236.00
249.10
growth rate 37.9% 31.7% 50.6% 134.9% 10.2% 102.8% 13.1% 67.1% 5.6%
Common Shares 14.00
14.00
13.00
13.00
14.00
16.00
7.30
7.30
7.40
7.40
growth rate 0.0% -7.1% 0.0% 7.7% 14.3% -54.4% 0.0% 1.4% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.60
0.80
0.30
0.10
1.00
0.40
3.50
1.10
2.50
0.80
growth rate 33.3% -62.5% -66.7% 900.0% -60.0% 775.0% -68.6% 127.3% -68.0%
Cash Dividends 0.80
2.50
2.50
7.00
2.60
9.10
10.20
12.60
13.10
14.00
growth rate 212.5% 0.0% 180.0% -62.9% 250.0% 12.1% 23.5% 4.0% 6.9%
Cash From OA 7.70
25.10
20.70
47.70
32.30
5.50
-193.40
-371.40
-294.50
-220.10
growth rate 226.0% -17.5% 130.4% -32.3% -83.0% -100.0% 0.0% 0.0% 0.0%
FCF per Share 1.63
2.20
3.55
2.48
-0.46
-8.89
1.38
growth rate 35.0% 61.4% -30.1% -100.0% 0.0% 100.0%
Sale Purchase of Stock 53.30
53.30
2.00
2.00
growth rate 0.0% -96.3% 0.0%
FCF 7.00
24.00
20.00
48.00
31.00
42.00
-25.00
49.00
-182.00
71.00
growth rate 242.9% -16.7% 140.0% -35.4% 35.5% -100.0% 100.0% -100.0% 100.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 18.13
21.75
22.00
24.00
38.00
63.40
55.00
75.30
83.70
96.30
growth rate 20.0% 1.2% 9.1% 58.3% 66.8% -13.3% 36.9% 11.2% 15.1%
Op.Income 5.00
8.10
6.00
5.00
16.00
20.10
18.70
26.20
21.00
27.00
growth rate 62.0% -25.9% -16.7% 220.0% 25.6% -7.0% 40.1% -19.9% 28.6%
IBT 5.03
8.10
8.69
7.28
17.17
17.10
17.50
24.80
19.40
25.00
growth rate 61.0% 7.3% -16.2% 135.9% -0.4% 2.3% 41.7% -21.8% 28.9%
Net Income 3.50
5.80
6.00
5.00
16.00
12.30
20.50
28.70
137.50
23.80
growth rate 65.7% 3.5% -16.7% 220.0% -23.1% 66.7% 40.0% 379.1% -82.7%
EPS 0.24
0.41
0.50
0.40
1.08
0.77
1.20
1.55
7.49
1.27
growth rate 70.8% 22.0% -20.0% 170.0% -28.7% 55.8% 29.2% 383.2% -83.0%
Gross Profit 22.00
24.00
38.00
63.40
55.00
75.30
83.70
96.30
growth rate 9.1% 58.3% 66.8% -13.3% 36.9% 11.2% 15.1%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Balance Sheet
Acct.Receivable 1.20
1.20
growth rate 0.0%
Acct.Payable 1,325.80
1,483.20
1,483.20
1,645.40
1,645.40
growth rate 11.9% 0.0% 10.9% 0.0%
Cur.Assets 139.50
265.80
265.80
160.90
160.90
growth rate 90.5% 0.0% -39.5% 0.0%
Total Assets 1,674.40
1,891.60
1,891.60
2,187.10
2,187.10
growth rate 13.0% 0.0% 15.6% 0.0%
Cash 139.50
260.40
260.40
160.90
160.90
growth rate 86.7% 0.0% -38.2% 0.0%
Cur.Liabilities 1,392.30
1,611.60
1,611.60
1,911.20
1,911.20
growth rate 15.8% 0.0% 18.6% 0.0%
Liabilities 1,435.10
1,642.50
1,642.50
1,962.10
1,962.10
growth rate 14.5% 0.0% 19.5% 0.0%
Equity 239.30
249.10
249.10
225.00
225.00
growth rate 4.1% 0.0% -9.7% 0.0%
Common Shares 7.40
7.40
7.40
7.40
7.40
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.10
0.25
0.25
0.25
0.25
growth rate 150.0% 0.0% 0.0% 0.0%
Cash Dividends 5.35
5.65
5.65
5.65
5.65
growth rate 5.6% 0.0% 0.0% 0.0%
Cash From OA -76.05
-199.50
-199.50
-199.50
-199.50
growth rate 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -76.15
-199.75
-199.75
-199.75
-199.75
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 23.80
28.10
28.10
growth rate 5.7% 0.0%
Op.Income 6.95
7.55
7.55
7.55
7.55
growth rate 8.6% 0.0% 0.0% 0.0%
IBT 6.95
7.55
7.55
7.55
7.55
growth rate 8.6% 0.0% 0.0% 0.0%
Net Income 5.60
6.35
6.35
growth rate 4.3% 0.0%
Gross Profit 23.80
28.10
28.10
growth rate 5.7% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (63.07)

YOY Growth Grade:

C (51.97)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.12 9.84 0.06
EPS / Growth 2.8% 1.35 38.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 36.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.8% 25.8% 25.8%
Future PE 0.06 6.10 20.24
Future EPS 1.78 13.36 13.36
Value Price
MOS %
0.03
-99.8%
20.15
51.7%
66.84
403.3%
MOS Price 0.01 10.07 33.42
IRT 8.59 4.80 4.80

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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