Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Metro Bank Holdings PLC serves as the holding company for Metro Bank PLC, a prominent retail and commercial bank operating across the United Kingdom. It delivers a comprehensive suite of personal and business banking products, including current, savings, and foreign currency accounts; residential and buy-to-let mortgages; overdrafts; credit cards; pet insurance; and safe deposit boxes. For businesses, it offers specialized services such as commercial current accounts, lending solutions, and community banking options, with a strategic shift toward specialist lending in commercial, corporate, small business, and mortgage sectors. Headquartered at One Southampton Row in London, the company employs approximately 3,455 staff and focuses on deposit-taking and lending activities targeting retail customers alongside small and medium-sized enterprises. Notable recent developments include cost reductions achieving profitability, workforce optimization, divestiture of a £584 million personal loan book, and heightened takeover interest from private equity firms like Pollen Street Capital. Metro Bank Holdings PLC plays a key role in the UK challenger banking landscape, emphasizing innovation such as AI-powered scam detection tools while navigating regulatory challenges and market volatility.
£1.74
£0.01 (-0.57%)
EOD Jul 3, 2026
Net margin is thin at 11.85%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 45.2% YoY.
At 23x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
22.6x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£588M
▲ +45.2% YoY
Net Income (TTM)
£70M
▲ +64.0% YoY
Net Margin
11.85%
P/E
22.6x
Balance Sheet
Total Assets
£16.48B
Equity
£1.48B
Total Debt
£869M
Cash & Equiv.
£2.19B
3Y CAGR: +4.0%
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At a P/E of 22.6, Metro Bank Holdings (MTRO.XLON)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Metro Bank Holdings scores 56/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.1%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Metro Bank Holdings scores 56 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Metro Bank Holdings pays a regular dividend of about £0.02 per share per year (typically in quarterly installments), a yield of roughly 1.1% at the current price. That is a payout ratio of about 24.4% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For MTRO.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh MTRO.XLON's valuation and scores 56/100 on quality (mixed). It also yields about 1.1%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.