Phoenix Group Holdings (GB:SDLF)
LSE:SDLF
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Phoenix Group Holdings
(LSE:SDLF)
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Rating:67Neutral
Price Target:
750.00 p
▼(-1.52% Downside)
Action:ReiteratedDate:12/07/25
Phoenix Group Holdings' overall stock score is driven by strong earnings call results and positive corporate events, which highlight strategic progress and financial resilience. However, the mixed financial performance and valuation concerns due to ongoing profitability challenges temper the overall score. The technical analysis suggests a bullish trend, further supporting the stock's potential.
Positive Factors
Strategic Progress
The FCA approval and new product launch enhance Phoenix's service offerings, strengthening its competitive position in the retirement solutions market.
Negative Factors
High Leverage
High leverage can limit financial flexibility and increase risk, potentially affecting Phoenix's ability to weather economic downturns or invest in growth opportunities.
Read all positive and negative factors
Positive Factors
Negative Factors
Strategic Progress
The FCA approval and new product launch enhance Phoenix's service offerings, strengthening its competitive position in the retirement solutions market.
Read all positive factors
Phoenix Group Holdings (SDLF) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£7.64B
Dividend Yield7.48%
Average Volume (3M)3.39M
Price to Earnings (P/E)―
Beta (1Y)1.20
Revenue Growth48.90%
EPS Growth57.89%
CountryUK
Employees6,980
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)-0.63
Shares Outstanding1,006,635,500
10 Day Avg. Volume2,873,473
30 Day Avg. Volume3,389,303
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)2.99
Price to Sales (P/S)0.30
P/FCF Ratio1.53
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£775.54Price Target Upside1.83% Upside
Rating ConsensusHold
Number of Analyst Covering8
EPS Forecast (FY)0.64
Revenue Forecast (FY)£7.09B
Phoenix Group Holdings Business Overview & Revenue Model
Company Description
Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, SunLife & Protection, and Europe & Other segments. The company offers saving for ret...
How the Company Makes Money
Phoenix Group makes money primarily through the management of its insurance policies and investment portfolios. Its revenue model includes income generated from premiums received from policyholders, investment income from the assets backing its in...
Phoenix Group Holdings Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.06B | 17.01B | 15.64B | 30.87B | 10.34B | 13.26B |
| Gross Profit | 20.06B | 14.45B | 15.64B | 23.17B | 2.28B | 7.07B |
| EBITDA | -142.00M | -870.00M | 549.00M | -3.85B | -168.00M | 1.52B |
| Net Income | -620.00M | -1.09B | 56.00M | -2.72B | -837.00M | 798.00M |
Balance Sheet | ||||||
| Total Assets | 309.97B | 307.86B | 299.31B | 281.04B | 327.77B | 334.32B |
| Cash, Cash Equivalents and Short-Term Investments | 9.98B | 9.45B | 7.22B | 8.84B | 9.11B | 11.00B |
| Total Debt | 3.47B | 4.23B | 3.88B | 4.65B | 4.82B | 5.14B |
| Total Liabilities | 308.18B | 305.61B | 295.77B | 276.80B | 318.94B | 326.45B |
| Stockholders Equity | 1.26B | 1.71B | 2.99B | 3.71B | 5.82B | 7.53B |
Cash Flow | ||||||
| Free Cash Flow | 1.33B | 3.34B | -863.00M | 866.00M | -1.26B | 6.58B |
| Operating Cash Flow | 1.34B | 3.37B | -863.00M | 866.00M | -1.26B | 6.58B |
| Investing Cash Flow | -44.00M | -29.00M | -20.00M | 0.00 | 304.00M | -988.00M |
| Financing Cash Flow | -787.00M | -1.08B | -769.00M | -1.18B | -857.00M | 942.00M |
Phoenix Group Holdings Technical Analysis
Positive
761.60
Price Trends
693.86
Positive
693.06
Positive
657.89
Positive
Market Momentum
15.96
Negative
75.26
Negative
60.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SDLF, the sentiment is Positive. The current price of 761.6 is above the 20-day moving average (MA) of 678.79, above the 50-day MA of 693.86, and above the 200-day MA of 657.89, indicating a bullish trend. The MACD of 15.96 indicates Negative momentum. The RSI at 75.26 is Negative, neither overbought nor oversold. The STOCH value of 60.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SDLF.
Phoenix Group Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £7.64B | -9.81 | -41.76% | 7.48% | 48.90% | 57.89% | |
66 Neutral | £27.55B | 3.65 | 26.87% | 1.56% | 61.45% | 78.24% | |
61 Neutral | £6.17B | 7.22 | 37.33% | 1.06% | 16.71% | 36.78% | |
53 Neutral | £714.87M | 36.18 | -2.93% | 8.03% | -40.13% | -369.64% | |
52 Neutral | £7.28B | 28.90 | 9.49% | 7.09% | 52.52% | ― | |
48 Neutral | £14.19B | 17.34 | 15.89% | 8.29% | 53.06% | 191.61% |
* Financial Sector Average
GB:SDLF
Phoenix Group Holdings
762.60
209.99
38.00%
GB:CSN
Chesnara
309.50
98.25
46.51%
GB:LGEN
Legal & General
254.90
36.23
16.57%
GB:PRU
Prudential
1,100.50
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36.91%
GB:STJ
St. James's Place
1,209.50
210.40
21.06%
GB:MNG
M&G Plc
305.40
110.29
56.53%
Phoenix Group Holdings Corporate Events
Regulatory Filings and Compliance
Phoenix Group Confirms Total Voting Rights at Just Over 1 Billion Shares
Neutral
Feb 2, 2026
Phoenix Group Holdings has confirmed that, as of 31 January 2026, its issued share capital consists of 1,006,281,421 ordinary shares with a nominal value of 10 pence each, with no shares held in treasury and each share carrying one vote. This mean...
Business Operations and StrategyRegulatory Filings and Compliance
Phoenix Group Executives Increase Holdings Through Share Incentive Plan
Positive
Jan 6, 2026
Phoenix Group Holdings has disclosed routine share purchases by senior executives under its Share Incentive Plan, in line with UK market abuse regulations. The plan allows eligible employees to buy partnership shares from their monthly salary, wit...
Regulatory Filings and Compliance
Phoenix Group Confirms Over 1 Billion Voting Shares in Issue at Year-End 2025
Neutral
Jan 2, 2026
Phoenix Group Holdings plc has confirmed that, as at 31 December 2025, its issued share capital comprised 1,006,252,243 ordinary shares of 10 pence each, with no shares held in treasury. Each ordinary share carries one vote, giving the company a t...
Business Operations and StrategyPrivate Placements and Financing
Phoenix Group Completes Redemption of £197m Subordinated Notes
Positive
Dec 18, 2025
Phoenix Group Holdings has completed another step in its ongoing debt redemption programme by fully redeeming its £197.2 million 6.625% subordinated notes that were due to mature in 2025. The repayment of these notes at par, together with acc...
Business Operations and StrategyRegulatory Filings and Compliance
Phoenix Group Holdings Enhances Employee Investment with Share Incentive Plan
Positive
Dec 8, 2025
Phoenix Group Holdings announced a transaction involving the purchase of ordinary shares under its Share Incentive Plan (SIP), which allows employees to buy ‘Partnership Shares’ with matching contributions from the company. This initia...
Regulatory Filings and Compliance
Phoenix Group Updates on Share Capital and Voting Rights
Neutral
Dec 1, 2025
Phoenix Group Holdings PLC announced that as of November 30, 2025, its issued share capital consisted of 1,004,014,441 ordinary shares, each carrying one vote. This update on voting rights and share capital is crucial for shareholders to determine...
Business Operations and StrategyDelistings and Listing Changes
Phoenix Group Holdings Announces Block Listing of Shares
Positive
Nov 24, 2025
Phoenix Group Holdings PLC has announced a block listing application for 2,950,000 Ordinary Shares to be admitted to the Official List of the FCA and traded on the London Stock Exchange. These shares are part of the company’s ShareSave Schem...
Business Operations and StrategyFinancial Disclosures
Phoenix Group Demonstrates Strong Capital Resilience in Stress Test
Positive
Nov 24, 2025
Phoenix Group Holdings has successfully demonstrated its strong capital position through the Prudential Regulation Authority’s first Life Insurance sector Stress Test (LIST 2025). The results confirmed that Phoenix Group’s risk managem...
Business Operations and Strategy
Phoenix Group Enhances Employee Investment with Share Incentive Plan
Positive
Nov 6, 2025
Phoenix Group Holdings plc announced the acquisition of ordinary shares under its Share Incentive Plan (SIP) by its employees, including key managerial personnel. This initiative allows employees to purchase shares with contributions from their sa...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.