St. James's Place (STJ) AI Stock Analysis

• Market Cap: £7.67B
• Dividend Yield: 1.06%
• Average Volume (3M): 1.77M
• Price to Earnings (P/E): 15.5
• Beta (1Y): 1.85
• Revenue Growth: -36.55%
• EPS Growth: N/A
• Country: UK
• Employees: 3,334
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 0.45
• Shares Outstanding: 527,112,100
• 10 Day Avg. Volume: 1,517,398
• 30 Day Avg. Volume: 1,774,475
• PEG Ratio: >-0.01
• Price to Book (P/B): 3.72
• Price to Sales (P/S): 0.18
• P/FCF Ratio: -7.13
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £1,586.91
• Price Target Upside: 5.37% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: 1,462.00p ▼(-2.92% Downside)

The score reflects a solid technical uptrend and a positive operating narrative from the latest earnings call (strong inflows, record FUM, improving underlying cash result). Offsetting these positives, financial performance is held back by volatile results and notably weak/uneven cash generation, while valuation is only moderately attractive given the low dividend yield.

Positive Factors

Strong Revenue Growth

The significant growth in funds under management indicates strong client acquisition and retention, enhancing long-term revenue potential and market position.

Strategic Initiatives

Implementing a new charging model aims to increase transparency and client satisfaction, potentially boosting client retention and attracting new business.

Share Buyback Program

The share buyback program reflects a commitment to enhancing shareholder value and optimizing capital structure, potentially increasing investor confidence and stock attractiveness.

Negative Factors

Profitability Challenges

Anticipated short-term profitability dips may strain financial performance, requiring effective cost management and strategic adjustments to maintain investor confidence.

Cash Flow Inefficiencies

Persistent cash flow inefficiencies could hinder the company's ability to fund operations and growth initiatives, affecting long-term financial stability.

Adviser Headcount Challenges

Potential declines in adviser headcount could impact client service levels and business growth, necessitating strategies to enhance productivity and recruitment.

St. James's Place Business Overview & Revenue Model

Company Description

St. James's Place plc is a publicly owned investment manager. The firm launches and manages equity, fixed income, and balanced mutual funds for its clients. It invests in public equity and fixed income market across the globe. The firm was formerly known as St. James's Place Capital plc. St. James's Place plc was founded in 1991 and is based in Cirencester, United Kingdom.

How the Company Makes Money

St. James's Place makes money primarily through the management of client funds and the provision of financial advice. The company charges fees based on the value of the assets under management (AUM), which include initial charges, annual management fees, and other advisory fees. Revenue is also generated from the performance of investment funds managed by the company. STJ benefits from its extensive network of independent advisers and partnerships, which help in acquiring new clients and expanding its AUM. Additionally, the company earns from offering various insurance and banking services. The long-term relationships and trust built with clients contribute significantly to its earnings by ensuring consistent inflow and retention of client assets.

St. James's Place Financial Statement Overview

Summary

St. James's Place shows a mixed financial picture with strong revenue growth and equity. However, profitability and cash flow conversion efficiency are weak. The balance sheet is robust, indicating financial stability but improvements in cash generation are needed.

Income Statement

St. James's Place shows a volatile revenue trajectory with significant fluctuations. Revenue grew significantly in 2024, but the net profit margin remains low due to a substantial drop in EBIT and EBITDA margins. The company has moved to a positive net income in 2024, indicating some recovery. Overall, the income statement reflects moderate performance with some room for improvement in profitability and cost management.

Balance Sheet

The balance sheet is relatively strong, with low debt levels leading to a low debt-to-equity ratio, which suggests good financial stability. The equity ratio is modest, but there has been noticeable growth in stockholders' equity over time. This indicates financial resilience, although the overall leverage remains a consideration.

Cash Flow

The cash flow statements reveal challenges, with negative operating and free cash flow in 2024, impacting liquidity. The operating cash flow to net income ratio is unfavorable, indicating inefficiencies in converting income into cash. Despite these challenges, previous years showed better cash flow dynamics, suggesting potential recovery capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	17.02B	25.86B	18.89B	-7.48B	17.76B	8.08B
Gross Profit	3.20B	25.86B	2.72B	-21.25B	2.50B	2.13B
EBITDA	974.00M	0.00	496.30M	49.40M	890.10M	457.90M
Net Income	512.60M	398.40M	-10.10M	406.80M	286.70M	262.00M
Balance Sheet
Total Assets	203.80B	194.88B	172.29B	151.64B	155.65B	129.79B
Cash, Cash Equivalents and Short-Term Investments	370.10M	5.66B	285.40M	6.43B	7.83B	6.72B
Total Debt	401.60M	624.00M	371.90M	280.40M	557.10M	474.60M
Total Liabilities	202.43B	193.60B	171.31B	150.38B	154.53B	128.68B
Stockholders Equity	1.37B	1.27B	983.40M	1.26B	1.12B	1.11B
Cash Flow
Free Cash Flow	384.30M	-664.40M	-3.50M	-1.07B	1.41B	-150.90M
Operating Cash Flow	384.80M	-655.70M	18.60M	-1.05B	1.43B	-124.10M
Investing Cash Flow	-12.60M	-17.00M	-35.20M	232.50M	-25.10M	-49.20M
Financing Cash Flow	-470.40M	132.30M	-209.50M	-580.50M	-231.60M	-179.80M

St. James's Place Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1506.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:STJ, the sentiment is Positive. The current price of 1506 is above the 20-day moving average (MA) of 1416.82, above the 50-day MA of 1366.29, and above the 200-day MA of 1216.10, indicating a bullish trend. The MACD of 32.07 indicates Negative momentum. The RSI at 71.96 is Negative, neither overbought nor oversold. The STOCH value of 86.23 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:STJ.

St. James's Place Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SDR	77 Outperform	£6.47B	18.23	8.30%	5.37%	4.78%	-4.86%
BEZ	76 Outperform	£4.84B	6.86	22.59%	2.99%	6.00%	-24.29%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£517.48M	7.19	14.70%	4.39%	-7.52%	50.23%
PHNX	67 Neutral	£7.38B	-11.74	-49.24%	7.48%	-34.62%	-19.20%
STJ	62 Neutral	£7.67B	15.49	41.51%	1.06%	-36.55%	―
MNG	61 Neutral	£6.97B	-121.54	-1.53%	7.09%	9.86%	-134.41%

St. James's Place Corporate Events

St. James’s Place Confirms Total Voting Rights at Year-End 2025

St. James’s Place plc has confirmed that as of 31 December 2025 its issued share capital comprised 527,112,135 ordinary shares of 15 pence each, all carrying voting rights, with no shares held in treasury. This total represents the company’s full voting rights base and serves as the reference figure shareholders must use when assessing whether their holdings trigger disclosure obligations under the UK Financial Conduct Authority’s transparency rules, reinforcing the firm’s compliance with market reporting standards and providing clarity for investors on capital structure and reporting thresholds.

The most recent analyst rating on (GB:STJ) stock is a Hold with a £1462.00 price target. To see the full list of analyst forecasts on St. James’s Place stock, see the GB:STJ Stock Forecast page.

St. James’s Place Announces Total Voting Rights and Capital Update

St. James’s Place plc has announced its total voting rights and capital, revealing an issued share capital of 527,072,260 ordinary shares with voting rights as of November 28, 2025. This update is in line with the Disclosure Guidance and Transparency Rule 5.6.1, and shareholders can use this figure to determine their notification requirements under FCA rules.

The most recent analyst rating on (GB:STJ) stock is a Buy with a £15.50 price target. To see the full list of analyst forecasts on St. James’s Place stock, see the GB:STJ Stock Forecast page.

St. James’s Place Announces Total Voting Rights and Capital

St. James’s Place plc has announced its total voting rights and capital as of October 31, 2025. The company’s issued share capital consists of 527,060,010 ordinary shares, each with voting rights, and no shares are held in Treasury. This information is crucial for shareholders to determine their notification requirements under the FCA’s Disclosure Guidance and Transparency Rules.

The most recent analyst rating on (GB:STJ) stock is a Buy with a £1590.00 price target. To see the full list of analyst forecasts on St. James’s Place stock, see the GB:STJ Stock Forecast page.

St. James’s Place Surpasses £200 Billion in Funds Under Management

St. James’s Place reported strong financial performance for the third quarter of 2025, with funds under management surpassing £200 billion for the first time. The company saw a 30% increase in gross inflows compared to the previous year, driven by high client engagement and the introduction of a new charging structure. Despite a challenging macroeconomic environment, the firm’s investment returns and client retention rates have contributed to record net inflows and the launch of new investment products, positioning the company for continued growth.

The most recent analyst rating on (GB:STJ) stock is a Buy with a £1600.00 price target. To see the full list of analyst forecasts on St. James’s Place stock, see the GB:STJ Stock Forecast page.

St. James’s Place Announces Board Changes with New Chair Appointment

St. James’s Place plc has announced a significant change in its board structure, with Penny James set to take over as chair of the Group Risk Committee and join the Group Nomination and Governance Committee starting December 5, 2025. This transition follows the retirement of Rosemary Hilary from her role as chair of the Group Risk Committee, although she will continue as a Non-executive Director until the end of the year. The board expressed its gratitude for Hilary’s contributions, indicating a smooth transition and continuity in governance, which is likely to reassure stakeholders of the company’s stable leadership.

The most recent analyst rating on (GB:STJ) stock is a Buy with a £16.00 price target. To see the full list of analyst forecasts on St. James’s Place stock, see the GB:STJ Stock Forecast page.