St. James's Place PLC (GB:STJ)
LSE:STJ
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St. James's Place
(LSE:STJ)
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Rating:61Neutral
Price Target:
1,241.00 p
▲(0.40% Upside)
Action:ReiteratedDate:02/26/26
The score is driven primarily by improving financial performance but tempered by volatility in earnings and especially cash flows. The latest earnings call was supportive (higher payout target, consensus beat, product traction and cost-savings plan), while technical indicators are the main drag due to weak near-term momentum. Valuation appears reasonable, with a modest dividend yield.
Positive Factors
Scale & recurring AUM base
Large scale and a broad client base drive durable, fee-based revenue: GBP220bn FUM and ~1m clients provide recurring management fees, diversification across client cohorts and cross-sell opportunities. Scale supports bargaining power with providers and resilience to single-market swings.
Negative Factors
Historic review & complaints overhang
An unresolved historic service review and elevated complaints create sustained operational and regulatory risk; residual liabilities or remediation could require further provisions, divert management attention, and limit capital flexibility until the program is fully closed and outcomes are certain.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale & recurring AUM base
Large scale and a broad client base drive durable, fee-based revenue: GBP220bn FUM and ~1m clients provide recurring management fees, diversification across client cohorts and cross-sell opportunities. Scale supports bargaining power with providers and resilience to single-market swings.
Read all positive factors
St. James's Place (STJ) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£6.36B
Dividend Yield1.06%
Average Volume (3M)1.77M
Price to Earnings (P/E)13.9
Beta (1Y)1.61
Revenue Growth-36.55%
EPS GrowthN/A
CountryUK
Employees3,334
SectorFinancial
Sector Strength70
IndustryFinancial - Conglomerates
Share Statistics
EPS (TTM)0.36
Shares Outstanding522,993,100
10 Day Avg. Volume1,517,398
30 Day Avg. Volume1,774,475
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)4.98
Price to Sales (P/S)0.24
P/FCF Ratio6.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£1,670.17Price Target Upside35.13% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)0.81
Revenue Forecast (FY)£760.89M
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 formerl...
How the Company Makes Money
St. James’s Place makes money primarily by charging fees linked to the assets it advises and administers, and by earning revenue associated with arranging and servicing investment and protection products for clients through its advice network.
Ke...
St. James's Place Earnings Call Summary
Earnings Call Date:Feb 25, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 04, 2026
Earnings Call Sentiment Positive
The call conveyed a broadly positive operational and financial picture: underlying cash profit and EPS grew year‑on‑year and beat consensus, a more generous shareholder return policy (70% payout) was announced early, the Polaris Multi‑Index product achieved rapid initial traction (GBP 1bn), meaningful provision releases were recorded (GBP 109.5m) and a clear cost-savings target (GBP 100m p.a. by 2027) was set. Management also highlighted active AI/tech rollouts to boost adviser productivity and emphasized scale advantages (c. GBP 220bn FUM, ~1m clients). Offsetting factors include a small adviser headcount decline (-0.4% H2), elevated but stabilizing complaints linked to the historic review, the review itself not fully closed (completion targeted in 2026), near-term controllable cost inflation and regulatory/competitive uncertainties. Overall, positives are numerous and material, while the headwinds appear manageable and being actively addressed.Positive Updates
Underlying cash result and EPS growth
Underlying cash result of GBP 462 million, up 3% year‑on‑year and 4% ahead of consensus; underlying cash basic EPS of 87p, up 6% year‑on‑year.
Negative Updates
Adviser numbers decline and productivity considerations
Adviser numbers fell by 0.4% in H2 2025. Management said the advisers who left had significantly below-average productivity, but the small decline and the need to sustain/grow adviser headcount remain a focus.
Read all updates
Q4-2025 Updates
Positive
Negative
Underlying cash result and EPS growth
Underlying cash result of GBP 462 million, up 3% year‑on‑year and 4% ahead of consensus; underlying cash basic EPS of 87p, up 6% year‑on‑year.
Read all positive updates
Company Guidance
Management updated shareholder returns guidance and reiterated several numeric targets: FY‑2025 underlying cash result was £462m (up 3% y/y and ~4% ahead of consensus) with underlying cash basic EPS of 87p (up 6% y/y), and total returns to shareholders in 2025 were £313m (c.50% payout). From 2026 the Board will target a 70% payout ratio (ordinary dividends to make up at least 40% of total returns — i.e. at least c.28% of underlying cash — with buybacks the remaining c.42%). Other metrics cited include Polaris Multi‑Index surpassing £1bn FUM within two months of launch, an additional £25m provision release taking total releases to £109.5m and completion of the historic service review targeted in 2026, a cost‑reduction target of ~£100m p.a. by 2027, roughly 5,000 advisers (adviser numbers down 0.4% H2 2025 but productivity improving), ~£220bn FUM with ~1m clients and ~10% of FUM in the high‑net‑worth segment, and Flagstone cash balances of about £5.7bn.St. James's Place Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
63
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 30.17B | 25.86B | 18.89B | -7.48B | 17.76B |
| Gross Profit | 30.17B | 25.86B | 2.72B | -21.25B | 2.50B |
| EBITDA | 1.39B | 0.00 | 496.30M | 49.40M | 890.10M |
| Net Income | 531.10M | 398.40M | -10.10M | 406.80M | 286.70M |
Balance Sheet | |||||
| Total Assets | 224.87B | 194.88B | 172.29B | 151.64B | 155.65B |
| Cash, Cash Equivalents and Short-Term Investments | 6.18B | 5.66B | 285.40M | 6.43B | 7.83B |
| Total Debt | 543.10M | 624.00M | 371.90M | 280.40M | 557.10M |
| Total Liabilities | 223.16B | 193.60B | 171.31B | 150.38B | 154.53B |
| Stockholders Equity | 1.48B | 1.27B | 983.40M | 1.26B | 1.12B |
Cash Flow | |||||
| Free Cash Flow | 1.07B | -664.40M | -3.50M | -1.07B | 1.41B |
| Operating Cash Flow | 1.07B | -655.70M | 18.60M | -1.05B | 1.43B |
| Investing Cash Flow | -8.40M | -17.00M | -35.20M | 232.50M | -25.10M |
| Financing Cash Flow | -535.50M | 132.30M | -209.50M | -580.50M | -231.60M |
St. James's Place Technical Analysis
Neutral
1236.00
Price Trends
1320.16
Negative
1342.71
Negative
1294.05
Negative
Market Momentum
-34.96
Positive
47.46
Neutral
39.84
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:STJ, the sentiment is Neutral. The current price of 1236 is below the 20-day moving average (MA) of 1243.05, below the 50-day MA of 1320.16, and below the 200-day MA of 1294.05, indicating a bearish trend. The MACD of -34.96 indicates Positive momentum. The RSI at 47.46 is Neutral, neither overbought nor oversold. The STOCH value of 39.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:STJ.
St. James's Place Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £7.50B | 7.34 | 22.59% | 2.99% | 6.00% | -24.29% | |
76 Outperform | £8.95B | 11.95 | 12.35% | 5.37% | 4.78% | -4.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £538.94M | 9.42 | 10.35% | 4.39% | -7.52% | 50.23% | |
61 Neutral | £6.36B | 13.86 | 37.33% | 1.06% | -36.55% | ― | |
52 Neutral | £6.76B | 22.80 | 9.49% | 7.09% | 9.86% | -134.41% |
* Financial Sector Average
GB:STJ
St. James's Place
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317.19
34.52%
GB:BEZ
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1,270.00
372.22
41.46%
GB:IPF
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245.50
110.99
82.51%
GB:SDR
Schroders
577.00
247.66
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GB:MNG
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285.00
99.33
53.50%
St. James's Place Corporate Events
Regulatory Filings and Compliance
St. James’s Place Confirms Total Voting Rights at 523 Million Shares
Neutral
Apr 1, 2026
St. James’s Place plc has confirmed that as of 31 March 2026 its issued share capital comprises 522,993,109 ordinary shares with full voting rights and that it holds no shares in treasury. This total voting rights figure will serve as the re...
Stock BuybackRegulatory Filings and Compliance
St. James’s Place Buys Back and Cancels 253,506 Shares
Neutral
Apr 1, 2026
St. James’s Place has repurchased 253,506 of its own 15 pence ordinary shares on 31 March 2026 via Morgan Stanley, paying prices between 1,156.5p and 1,198.0p, at an average of 1,183.4025p per share. The company plans to cancel these shares,...
Stock Buyback
St. James’s Place Buys Back and Cancels 260,185 Shares
Neutral
Mar 31, 2026
St. James’s Place has continued its share buyback activity, purchasing 260,185 of its own 15p ordinary shares on 30 March on the London Stock Exchange and multiple trading venues, at prices ranging from 1,140p to 1,166.5p and an average pric...
Stock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels 254,437 Shares After Buyback
Neutral
Mar 30, 2026
St. James’s Place has repurchased 254,437 of its 15p ordinary shares on 27 March 2026 via Morgan Stanley Co. International, paying an average price of 1,179.0713 pence per share within a range of 1,168 to 1,193.5 pence. The company plans to...
Executive/Board ChangesRegulatory Filings and Compliance
St. James’s Place grants long-term share awards to top executives
Neutral
Mar 26, 2026
St. James’s Place has disclosed a series of equity-based awards and share transactions involving several senior executives, including the chief executive, chief financial officer, group investment director and chief people officer. The trans...
Business Operations and StrategyPrivate Placements and Financing
St. James’s Place Admits New Shares for Employee Schemes
Neutral
Mar 25, 2026
St. James’s Place has issued and admitted 91,291 new ordinary shares of 15 pence each to trading on the London Stock Exchange’s Main Market. The new shares, which are fully fungible with existing stock, bring the company’s total ...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Clarifies Share Count as It Cancels Latest Buyback Tranche
Positive
Mar 25, 2026
St. James’s Place plc corrected an earlier announcement relating to transactions in its own shares, clarifying the number of ordinary shares in issue while confirming that all other disclosed details remain unchanged. The company reported th...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels Newly Repurchased Shares, Updates Share Count
Positive
Mar 25, 2026
St. James’s Place plc has repurchased 246,780 of its 15 pence ordinary shares on 24 March 2026 via the London Stock Exchange and various multilateral trading facilities, paying prices between 1,203.0p and 1,228.5p per share, with an average ...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
St. James’s Place Publishes 2026 AGM Notice and 2025 Annual Report
Neutral
Mar 24, 2026
St. James’s Place has published the notice of its 2026 Annual General Meeting, scheduled for 10:00 a.m. on 30 April 2026 at its headquarters in Cirencester. The company has also circulated its Annual Report and Accounts for the year ended 31...
Stock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels 245,567 Shares After Latest Buyback
Neutral
Mar 24, 2026
St. James’s Place has repurchased 245,567 of its own 15p ordinary shares on 23 March 2026, at prices between 1,168.5p and 1,253.5p and an average price of 1,221.6615p, under the shareholder-approved buyback authority and executed via Morgan ...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels Newly Repurchased Shares, Trimming Share Capital
Positive
Mar 23, 2026
St. James’s Place has continued its share buyback activity, repurchasing 242,957 ordinary shares of 15 pence each on 20 March 2026 via Morgan Stanley on the London Stock Exchange and various multilateral trading facilities. The shares were b...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels New Buyback Tranche, Trimming Share Count
Positive
Mar 20, 2026
St. James’s Place plc has continued its share buyback activity, purchasing 241,062 ordinary shares on 19 March 2026 on the London Stock Exchange and other trading venues at prices between 1,232.5p and 1,273.0p, with an average price of 1,244...
Business Operations and StrategyStock Buyback
St. James’s Place Cancels 232,742 Shares After Latest Buyback
Positive
Mar 19, 2026
St. James’s Place has repurchased 232,742 of its 15p ordinary shares on 18 March 2026 via Morgan Stanley, paying an average 1,288.9797 pence per share, with prices ranging between 1,272.5 pence and 1,311.5 pence. The company plans to cancel ...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Continues Buyback With March Share Purchases and Cancellations
Positive
Mar 18, 2026
St. James’s Place has continued its share buyback activity, purchasing 230,705 ordinary shares of 15 pence each on 17 March 2026 via Morgan Stanley at prices ranging between 1,285.5p and 1,314.0p, with an average price of 1,300.3582p. The co...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels New Tranche of Buyback Shares, Cuts Float to 524.7 Million
Positive
Mar 17, 2026
St. James’s Place has continued its share buyback activity, purchasing 230,950 ordinary shares on 16 March 2026 on the London Stock Exchange and other trading venues at prices between 1,279.5p and 1,318.5p, with an average price of 1,298.980...
Business Operations and StrategyRegulatory Filings and Compliance
St. James’s Place Updates Block Listings for Share Incentive Schemes
Neutral
Mar 16, 2026
St. James’s Place has reported an interim review of its block listings for several share-based incentive schemes covering the period from 1 August 2025 to 18 January 2026, with no change in the number of securities available under its Compan...
Stock BuybackFinancial DisclosuresRegulatory Filings and Compliance
St. James’s Place Cancels Newly Repurchased Shares, Updates Share Count
Positive
Mar 16, 2026
St. James’s Place has continued its share buyback programme, purchasing 229,702 ordinary shares of 15 pence each on 13 March 2026 via Morgan Stanley at prices between 1,292p and 1,320p, with an average price of 1,306.04p. The company plans t...
Stock BuybackRegulatory Filings and Compliance
St. James’s Place Buys Back and Cancels 230,888 Shares
Positive
Mar 13, 2026
St. James’s Place has continued its share buyback activity, purchasing 230,888 ordinary shares of 15 pence each on 12 March 2026 on the London Stock Exchange and various multilateral trading facilities at prices ranging between 1,287p and 1,...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels New Tranche of Buyback Shares
Neutral
Mar 12, 2026
St. James’s Place has continued its share buyback activity, purchasing 231,374 ordinary shares of 15 pence each on 11 March 2026 via the London Stock Exchange and multilateral trading facilities at an average price of 1,296.6004 pence. The c...
Financial DisclosuresRegulatory Filings and Compliance
St. James’s Place Publishes 2025 Annual Report and Solvency Disclosure
Neutral
Mar 11, 2026
St. James’s Place plc has published its Annual Report and Accounts for 2025, making the full-year regulatory disclosures available to shareholders and the market. The document has been filed with the UK’s National Storage Mechanism in ...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels Newly Repurchased Shares in Ongoing Buyback
Positive
Mar 11, 2026
St. James’s Place has continued its share buyback programme, purchasing 225,792 ordinary shares on 10 March 2026 at prices between 1,314.5p and 1,340.5p, with an average price of 1,328.6543p. The company plans to cancel these shares, reducin...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels Further Shares After March Buyback
Positive
Mar 10, 2026
St. James’s Place has continued its share buyback activity, purchasing 234,819 ordinary shares of 15 pence each on 9 March 2026 through Morgan Stanley at prices ranging between 1,256p and 1,292p, with an average price of 1,277.5778p. The com...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cancels 230,519 Shares After Latest Buyback
Positive
Mar 9, 2026
St. James’s Place has continued its share buyback activity, purchasing 230,519 ordinary shares of 15 pence each on 6 March 2026 via Morgan Stanley on the London Stock Exchange and multilateral trading facilities, at an average price of 1,301...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
St. James’s Place Cuts Share Count with Latest Buyback Tranche
Positive
Mar 9, 2026
St. James’s Place has continued its previously announced share buyback programme, repurchasing 230,519 ordinary shares on 6 March 2026 at prices between 1,281p and 1,322p, with an average price of 1,301.4075p. The company plans to cancel the...
Stock BuybackRegulatory Filings and Compliance
St. James’s Place Buys Back and Cancels 228,660 Shares
Positive
Mar 6, 2026
St. James’s Place has continued its share buyback activity, purchasing 228,660 ordinary shares of 15 pence each on 5 March 2026 via Morgan Stanley Co. International at prices ranging between 1,297.5p and 1,329.5p, with an average price of 1...
Stock Buyback
St. James’s Place Continues Buyback With Cancellation of 231,026 Shares
Neutral
Mar 5, 2026
St. James’s Place has continued its share buyback activity, purchasing 231,026 ordinary shares of 15 pence each on 4 March 2026 through Morgan Stanley on the London Stock Exchange and other trading venues, at prices between 1,269.5p and 1,32...
Stock Buyback
St. James’s Place Cancels Further Shares After March Buyback
Positive
Mar 4, 2026
St. James’s Place has continued its share buyback programme, repurchasing 237,803 ordinary shares of 15 pence each on 3 March 2026 at prices ranging between 1,240p and 1,289.5p, with an average price of 1,261.5479p, through Morgan Stanley on...
Business Operations and StrategyStock Buyback
St. James’s Place Cancels New Tranche of Repurchased Shares
Positive
Mar 3, 2026
St. James’s Place has continued its share buyback activity, purchasing 228,159 ordinary shares of 15 pence each on 2 March 2026 via Morgan Stanley within the price range of 1,288p to 1,327p per share, at an average price of 1,314.8679p. The ...
Regulatory Filings and Compliance
St. James’s Place Confirms Total Voting Rights at 527.2 Million Shares
Neutral
Mar 2, 2026
St. James’s Place has confirmed that, as of 27 February 2026, its issued share capital comprises 527,222,301 ordinary shares of 15p each, all carrying voting rights and with no shares held in treasury. This disclosure sets the official total...
Business Operations and StrategyStock Buyback
St. James’s Place Launches £122.6m Share Buy-Back to Reduce Capital
Positive
Mar 2, 2026
St. James’s Place plc has launched a share buy-back programme to repurchase its ordinary shares for up to £122.6 million between 2 March and 31 August 2026, with the stated aim of reducing the company’s capital base. The move sign...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
St. James’s Place lifts payouts after robust 2025 as assets hit record high
Positive
Feb 25, 2026
St. James’s Place reported a robust 2025 performance, with post-tax underlying cash result up 3% to £462.3 million, earnings per share up 6%, and IFRS profit after tax rising 33% to £531.4 million, supported by record funds under m...
Executive/Board Changes
St. James’s Place appoints former Bupa CEO Evelyn Bourke to board
Positive
Feb 5, 2026
St. James’s Place plc has appointed former Bupa group chief executive Evelyn Bourke as an independent non-executive director, effective 1 March 2026, adding her to both the Group Audit Committee and Group Remuneration Committee. Bourke bring...
Regulatory Filings and Compliance
St. James’s Place Confirms Total Voting Rights at 527.2 Million Shares
Neutral
Feb 2, 2026
St. James’s Place plc reported that as of 30 January 2026 its issued share capital comprises 527,166,135 ordinary shares of 15p each, all carrying voting rights, with no shares held in treasury. This announcement confirms the company’s...
Business Operations and StrategyFinancial Disclosures
St. James’s Place Hits Record £220bn Assets on Strong Inflows and Investment Gains
Positive
Jan 29, 2026
St. James’s Place reported a strong 2025 performance, with gross inflows rising 19% to £21.9 billion and a high retention rate of 94.9% driving a 42% increase in net inflows to £6.2 billion. Combined with robust investment returns ...
Regulatory Filings and Compliance
St. James’s Place Confirms Total Voting Rights at Year-End 2025
Neutral
Jan 2, 2026
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&#...
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.