Valuation
49
STERLINGNG · Sterling Financial Holdings Company Plc
Neutral Neutral Quality 3/5Distress proxy: 34.78 (Safe)
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Composite score
51.3
Tier: Neutral
Last close
₦8
As of latest snapshot
30-day ADV
₦144.3M
Liquidity signal
Market cap
₦503.49B
Financial Services
Financials
36
Technical
76
AI bottom line
Sterling trades at a significant valuation discount (4.8x P/E vs. 7.9x sector median, 1.0x P/B vs. 1.4x), supported by solid ROE of 15.2%, though technical strength at 76/100 contrasts weak financial fundamentals at 36/100. The critical watch is the -136.8% FCF margin and severe cash burn, which will determine whether the recently approved $400 million capital raise translates to operational improvement or shareholder dilution.
Stock Snowflake 5-axis radar
Blue = STERLINGNG. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 4.9x — about 37% below the Financial Services median of 7.8x.
- Net margin of 27.4% — robust pricing power and cost discipline.
Risk flags
Cash burn — FCF margin -136.8%
Price & trend
Close price with 50-day and 200-day moving averages, last 12 months.
Composite score history
How the model has rated this stock over the available history. Tier changes happen at 75 / 60 / 40.
Key metrics
Valuation
P/E ratio4.9x
P/B ratio1.0x
P/S ratio1.8x
EV/EBITDA—
FCF yield-77.6%
Financials
ROE15.2%
ROA2.0%
Net margin27.4%
FCF margin-136.8%
Debt / Equityn/a (bank)
Technical
Last close₦8
Above 50d MA-1.5%
Above 200d MA0.9%
ADX (trend)52.0
RSI47.2
Dividend history
No cash or share dividends recorded in the historical dataset.
Peers in Financial Services
Closest names by composite score within the same sector. Click a symbol to open its detail page.
| Symbol | Composite | P/E | P/B | ROE | Tier |
|---|---|---|---|---|---|
| NGXGROUP | 51.5 | 35.3x | 5.4x | 21.2% | Illiquid |
| CUSTODIAN | 52.1 | 5.5x | 2.0x | 28.1% | Neutral |
| LASACO | 50.2 | — | 0.9x | -7.6% | Neutral |
| PRESTIGE | 49.3 | 35.1x | 0.9x | 2.7% | Neutral |
| ACCESSCORP | 53.9 | 1.6x | 0.3x | 17.0% | Neutral |
| AFRIPRUD | 54.1 | 16.7x | 3.6x | 20.4% | Neutral |
Recent news mentioning STERLINGNG
NGX corporate disclosures STERLINGNG · last 1
Plain-English summaries of every NGX filing for STERLINGNG, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
Other Disclosure
filed 16 Jun 2026
Sterling Financial Holdings passed resolutions at its 3 June 2026 AGM approving a 10-for-1 share consolidation reducing issued shares from 68.5 billion to 6.85 billion, plus authorization to raise up to US$400 million in debt or equity. Non-Executive Directors' fees were fixed at ₦191.134 million for 2026. Court approval required for capital reduction.