Sterling HoldCo Projects N149.27bn Gross Earnings for Q4 2025

Following its sistained strong performance, Sterling Financial Holdings Company Plc, yesterday projected N149.27  billion gross earnings for the fourth quarter(Q4)  ended December 31, 2025.

The financial institution stated that the projection is based on  the Group’s performance in the first half of the year, when profit after tax rose by 157 per cent, gross earnings climbed 39.7 per cent to N212.61 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,” the management said. 

According to the filing on the Nigerian Exchange Limited, Sterling HoldCo expected  interest income of N116.73 billion and interest expenses of N42.88 billion, resulting in net revenue from funds of N73.85 billion.

From the filing, the Group also anticipates credit impairment charges of N16.84 billion, with other income projected at N28.37 billion, bringing net operating income to N85.37 billion.

Operating expenses are forecast at N67.24 billion, leaving a profit before tax of N18.13 billion. After accounting for a projected tax of N1.88 billion, profit after tax is estimated at N16.25 billion for the quarter. Sterling’s cash flow outlook underscores the strength of its balance sheet.

The Group projected N13.56 billion in net cash generated from operating activities, alongside N266.16 billion in financing inflows and N187.93 billion in investing activities.

This is expected to deliver a net increase of N91.79 billion in cash and cash equivalents, with the cash and bank balance closing at N549.90 billion by year-end, compared to N458.11 billion at the start of the quarter.

The management noted that “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 cash flows 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.

“hese projections are forward-looking and based on current assumptions about market conditions and regulatory developments. Actual results may differ materially,” the statement added.