Sterling Financial Holdings Company Plc (Sterling HoldCo) projects gross earnings of N149.27 billion for the fourth quarter ending December 31, 2025. This strong projection reflects the Group’s consistent growth strategy and strengthens investor confidence.
Strong Performance Drives Confidence
The company builds this projection on a remarkable first-half result. Profit after tax jumped 157 percent, while gross earnings climbed 39.7 percent to N212.61 billion. Earnings per share also rose to 89 kobo from 56 kobo, showing steady value creation for shareholders.
Detailed Q4 2025 Financial Outlook
Sterling HoldCo expects interest income to reach N116.73 billion. It estimates interest expenses at N42.88 billion, leaving net revenue from funds at N73.85 billion.
Furthermore, it forecasts credit impairment charges at N16.84 billion and other income at N28.37 billion. Together, these will bring net operating income to N85.37 billion.
Operating expenses should stand at N67.24 billion, which positions profit before tax at N18.13 billion. After paying an estimated tax of N1.88 billion, the company expects profit after tax to close at N16.25 billion for the quarter.
Robust Liquidity and Cash Position
Sterling HoldCo aims to grow cash and cash equivalents by N91.79 billion. As a result, year-end closing balances should reach N549.90 billion, up from N458.11 billion at the start of the quarter.
This improvement will come from N13.56 billion net cash generated from operations, N266.16 billion from financing inflows, and N187.93 billion from investing activities. This strong liquidity position allows Sterling HoldCo to remain resilient and respond quickly to market shifts.
Growth Strategy and Market Focus
The company links its projections to disciplined cost management, diversified income streams, and a carefully managed balance sheet. Moreover, it plans to channel its financial strength into priority growth sectors of the Nigerian economy.
Sterling HoldCo will also continue to invest in innovation, expand financial inclusion, and create value for customers, shareholders, and communities.
The Group reminds stakeholders that these projections are forward-looking. Actual results may differ depending on market trends and regulatory developments.
About Sterling HoldCo
Sterling Financial Holdings Company Plc is a leading Nigerian financial services group. Its portfolio includes Sterling Bank Limited, The Alternative Bank Limited, and SterlingFI Wealth Management. With more than six decades of operations, the Group continues to champion financial innovation, inclusion, and sustainable growth for all stakeholders.
