Sterling Financial Holdings Company Plc has maintained its upward growth trajectory, projecting gross earnings of ₦149.27 billion for the fourth quarter ending December 31, 2025. The forecast reflects the Group’s resilience and sustained profitability in a dynamic financial landscape.
The projection follows a robust first-half performance in which profit after tax rose by 157 percent, gross earnings climbed 39.7 percent to ₦212.61 billion, and earnings per share increased from 56 kobo to 89 kobo. These results have reinforced investor confidence and positioned the Group for a strong year-end close.
In its filing with the Nigerian Exchange (NGX), Sterling HoldCo stated that it expects interest income of ₦116.73 billion and interest expenses of ₦42.88 billion, leaving a net revenue from funds of ₦73.85 billion. The Group also anticipates credit impairment charges of ₦16.84 billion, while other income is projected at ₦28.37 billion. This will bring total net operating income to an estimated ₦85.37 billion.
Operating expenses are forecast at ₦67.24 billion, resulting in a profit before tax of ₦18.13 billion. After a projected tax expense of ₦1.88 billion, profit after tax for the quarter is expected to stand at ₦16.25 billion.
Sterling’s outlook also highlights a solid cash flow position. The Group projects ₦13.56 billion in net cash generated from operating activities, ₦266.16 billion in financing inflows, and ₦187.93 billion in investing activities, underscoring the strength of its balance sheet and liquidity profile.
