Sterling Financial Holdings Company Plc has sustained its growth momentum, projecting gross earnings of ₦149.27 billion for the fourth quarter ending December 31, 2025.
This projection builds on the Group’s performance in the first half of the year, when profit after tax rose by 157 percent, gross earnings climbed 39.7 percent to ₦212.61 billion, and earnings per share rose to 89 kobo from 56 kobo.
Together, these results highlight a strong year-to-date trajectory, reinforcing profitability and boosting investor confidence in the Group’s long-term outlook.
According to the filing on the Nigerian Exchange, Sterling HoldCo expects interest income of ₦116.73 billion and interest expenses of N42.88 billion, resulting in net revenue from funds of ₦73.85 billion.
The Group also anticipates credit impairment charges of ₦16.84 billion, with other income projected at ₦28.37 billion, bringing net operating income to ₦85.37 billion.
Operating expenses are forecast at ₦67.24 billion, leaving a profit before tax of ₦18.13 billion. After accounting for a projected tax of ₦1.88 billion, profit after tax is estimated at ₦16.25 billion for the quarter.
Sterling’s cash flow outlook underscores the strength of its balance sheet.
The Group projects ₦13.56 billion in net cash generated from operating activities, alongside ₦266.16 billion in financing inflows and ₦187.93 billion in investing activities.
This is expected to deliver a net increase of ₦91.79 billion in cash and cash equivalents, with the cash and bank balance closing at ₦549.90 billion by year-end, compared to ₦458.11 billion at the start of the quarter.
These forecasts build on the Group’s performance earlier in the year, reflecting the continuation of this momentum, supported by a disciplined focus on cost management, diversified income streams, and prudent balance sheet growth.
Beyond financial performance, the outlook highlights the Group’s capacity to channel its financial strength into broader impact.
Sterling HoldCo is positioned to support key growth sectors of the Nigerian economy, invest in innovation, and continue creating value for shareholders, customers, and communities.
The Group noted that its ability to generate strong operating cashflows while maintaining significant liquidity positions provides a foundation for resilience. This strength ensures that Sterling HoldCo is not only positioned to deliver value to its shareholders but also equipped to deepen its participation in Nigeria’s growth sectors, drive innovation, and support broader economic progress.
These projections are forward-looking and based on current assumptions about market conditions and regulatory developments. Actual results may differ materially.
Packaged by Alice Egbedele
