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Metro Bank Holdings PLC
MTRO.L: LSELowest reading is at 16 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Daniel Sweeney Frumkin
Market Cap
1.18 Billion GBp
Sector
Financial Services
Website
https://www.metrobankonline.co.ukLast Update
28/09/2026, 02:45:53
Description
Metro Bank Holdings PLC operates as the bank holding company for Metro Bank PLC that provides business, commercial, retail and private banking products and services in the United Kingdom.
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Strongest readings
- ✔Debt is low at 0.59 times equity
- ✔Financial health is strong (health score 65 out of 100)
Weakest readings
- ✘Share count has been rising at 57.45% per year
- ✘Income is not covering expenditure and investment (free cashflow -1.41 per share)
- ✘The current price sits above estimated fair value (margin of safety -143.83%)
- ✘Earnings and cashflow growth is weak (growth score 16 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings (TTM) | N/A | 19.60x | ||
| ✘ | Margin of safety (DCF) | -143.83% | 17.95% | |
| ✘ | Revenue growth (5y average) | 4.85% | 10.97% | |
| ✘ | Dividend yield (TTM) | 1.44% | 1.85% | |
| ✘ | Share count, per year | 57.45% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
50 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings | N/A | 19.60x | ||
| ✘ | Free cashflow yield | -80.30% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | N/A | — | ||
| ✘ | Margin of safety | -143.83% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of NaN undefined GBp is below the current price of 175.80 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: N/A✘
Current Price: 175.8 GBp
Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
16 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 4.85% | 10.97% | |
| ✘ | Earnings growth | -15.27% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
65 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.59x | 0.80x | |
| ✔ | Debt / total capital | 0.37x | 1.00x | |
| Equity / assets | 9.01% | — | ||
| Loans / deposits | 0.66x | — | ||
| Net interest margin | 2.79% | — | ||
| Loan-loss cover | 1.89% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Income is not covering expenditure and investment (free cashflow -1.41 per share)
Dividend
46 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 1.44% | 1.85% | |
| Dividend growth | N/A | 0.00% | ||
| ✔ | Payout ratio (earnings) | 31.66% | 40.00% | |
| ✔ | Payout ratio (cashflow) | -1.79% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
33 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 3.53% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.32% | — | ||
| Free cashflow return on capital | -54.15% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 57.45% | 0.00% | |
| ✘ | Share count, recent | 0.07% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 51.03% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 50 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
MTRO.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Metro Bank Holdings PLC
Currency
GBp
Beta
1.078
Vol Avg
911667
Ceo
Mr. Daniel Sweeney Frumkin
Cik
Cusip
Exchange
LSE
Full Time Employees
2891
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
One Southampton Row
City
London
State
Country
United Kingdom
Zip
WC1B 5HA
Phone
44 34 5080 8500
Analysis Last Updated
28/09/2026, 02:45:53
Financial data compiled from SEC EDGAR filings and Yahoo Finance.