St. James's Place STJ.L
United KingdomFinancial Services · Asset ManagementLondon Stock Exchange · GBP
16.40 GBP (+59.7%)
16 analysts
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St. James's Place is a British wealth manager offering financial advice and investment and savings products to high-net-worth clients, with a model based on a network of advisers and a wide range of funds.
Listed on London Stock Exchange · Symbol STJ.L · LON: STJ · Currency GBP
Key points
from its scores- ✓Strong growth8.5
- ✓Attractive valuation7.2
- ✕Little competitive advantage2.1
- ✕Poor share-price trend2.5
- !Modest dividend5.1
AI analysis
bottom line, main risk, context and newsValuation is reasonable and ROE is strong, but margin quality and negative momentum suggest caution until operational efficiency improves.
St. James's Place shows solid financial health with an ROE of 38.46%, although its margins are low (operating margin 4.43%). Valuation is attractive (P/E 9.60, adjusted P/B 0.87), but revenue growth of 213% is unsustainable and momentum is negative (-14.94%).
The main risk is regulatory pressure from the FCA on advisory practices and fees, which could affect future profitability and client trust.
Context and risks
St. James's Place operates in the UK, with a demanding regulatory framework (FCA) that has intensified supervision of financial services and advisory practices. Although there are no recent specific litigations or investigations, the wealth management sector faces ongoing scrutiny over fee transparency and product suitability, justifying a slight negative adjustment.
Is St. James's Place stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 25% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 9.6 | 13.7 | −30% |
| EV / EBITDA | 3.0 | 10.1 | −70% |
| Price / book | 3.3 | 1.9 | +80% |
| Price / sales | 0.1 | 3.5 | −97% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 7.2 out of 10 (median for Financial Services: 5.2).
Average analyst target: 16.40 GBP, +59.7% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 2.1 (sector 8.8), Growth 8.5 (sector 6.9).
Classic formulas with standard assumptions (0.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 9.6
- Forward P/E
- 9.6
- EV / EBITDA
- 3.0
- Price / book
- 3.3
- Price / sales
- 0.1
- PEG
- 1.68
- Market cap
- 5.1B GBP
- Enterprise value
- 5.3B GBP
Profitability
- ROE
- 38.5%
- ROA
- 0.5%
- ROIC (approx.)
- 97.6%
- Gross margin
- 10.3%
- Operating margin
- 4.4%
- Net margin
- 1.3%
- Free cash flow
- 1.4B GBP
- FCF yield
- 27.0%
- Cash conversion
- 77%
Solvency
- Total debt
- 515.5M GBP
- Net debt
- 98.9M GBP
- Cash
- 416.6M GBP
- EBITDA
- 1.8B GBP
- Net debt / EBITDA
- 0.06
- Debt / equity
- 33.04
- Current ratio
- 3.07
- Quick ratio
- 0.51
Growth
- Revenue growth
- +213.0%
- Earnings growth
- +15.1%
- EPS (TTM)
- 1.07 GBP
- EPS (forward)
- 1.07 GBP
Dividend
- Dividend yield
- 1.8%
- Payout
- 16.9%
Risk and market
- Beta
- 1.02
- Analyst consensus
- Buy (16)
- Target price
- 16.40 GBP
Recent news
All STJ.L news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about St. James's Place
Is St. James's Place stock cheap or expensive?
On P/E and Price / book, it trades 25% above the Financial Services median on average. Valuation score: 7.2 out of 10 (median for Financial Services: 5.2). Average analyst target: 16.40 GBP, +59.7% versus the price. This is not investment advice.
What score does St. James's Place get on MeridIAn Screener?
It scores 5.5 out of 10, rank 1,435 of 2,130 (better than 32% of the companies analysed). Its strongest category is Growth (8.5) and its weakest, Quality / Moat (2.1). Analysis of 08/10/2026.
What is St. James's Place's P/E ratio?
Its P/E is 9.6: the share price equals 9.6 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.6.
How much is St. James's Place worth on the stock market?
Its market capitalisation is 5.1B GBP.
Does St. James's Place pay a dividend?
Yes: its dividend yield is 1.75% and it pays out 17% of its earnings.
How has St. James's Place stock performed over the last year?
It has fallen 22.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 0.00 and 15.76 GBP. Past performance does not guarantee future results.
What do analysts think of St. James's Place?
16 analysts cover it; their average recommendation is “Buy” and their average target is 16.40 GBP (+59.7% versus the price). It is an estimate, not market data.