Standard Life SDLF.L
Standard Life is a British life insurer and asset manager offering savings, pensions, and pension risk transfer (PRT) products, and is integrating the Aegon acquisition to expand its scale and generate synergies. Standard Life trades at a forward P/E of 11.93 with strong momentum (43.29% over 12 months), but its return on equity is negative (-31.89%) due to the Aegon integration, and the market has already priced in the £800m synergies and capital returns, as reflected by the UBS downgrade.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Standard Life is a British life insurer and asset manager offering savings, pensions, and pension risk transfer (PRT) products, and is integrating the Aegon acquisition to expand its scale and generate synergies. Standard Life trades at a forward P/E of 11.93 with strong momentum (43.29% over 12 months), but its return on equity is negative (-31.89%) due to the Aegon integration, and the market has already priced in the £800m synergies and capital returns, as reflected by the UBS downgrade.
Score by category
| Category | Score |
|---|---|
| Financial health | 0.5 |
| Quality / Moat | 1.0 |
| Valuation | 5.0 |
| Growth | 10.0 |
| Dividend | 4.4 |
| Momentum | 8.3 |
| Risk & Context | 6.7 |
OVERALL SCORE: 4.4/10
Context and risks
Moderate UK regulatory risk due to FCA oversight of the pensions and life insurance sector, which may affect product distribution and capital requirements.
News considered in the analysis
- Standard Life continues cost-cutting and eyes £800m ‘synergies’ from Aegon deal — Las sinergias de 800 millones de libras del acuerdo con Aegon son materiales para el beneficio futuro, pero su consecución no está garantizada y parte ya está en el precio.
- UBS downgrades Standard Life to neutral as share gains price in capital returns — La rebaja refleja que la revalorización ya incorpora los retornos de capital; es una opinión de analista sin información nueva.
- Private Credit’s Next Big Thing Is $1 Trillion in British Pensions — La tendencia de las pensiones británicas hacia el crédito privado podría beneficiar a la gestora de activos de Standard Life, pero es un desarrollo estructural a largo plazo.
- Standard Life PLC's Dividend Analysis — Análisis genérico de dividendo sin información nueva.
- European Stocks Fall at Open as Banks, Tech Slide — Movimiento de mercado general sin implicación específica para la empresa.
Verdict: Hold; wait for the Aegon integration to demonstrate synergy delivery and ROE recovery before adding to positions.
Main risk: The main risk is the execution of the Aegon integration: if the £800m synergies fail to materialize or take longer than expected, the negative ROE and net margin (-1.15) could persist, weighing on the valuation.
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