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UK wealth-management group providing financial advice and investment/pension products through self-employed "Partner" advisers.
UK wealth-management group providing financial advice and investment/pension products through self-employed "Partner" advisers.
Takes a share of the money clients invest, through initial and ongoing charges on the funds it manages for them, and those charges also pay its self-employed advisers, who recommend only its own investment products. Earnings therefore follow the value of client assets. Regulatory pressure on fees has pushed it to rework its charging structure.
In one line: A UK version of a large advisor-network wealth manager like Ameriprise Financial.
Moat: narrow (distribution, switching costs, brand). A large tied adviser (Partner) network creates distribution scale and client stickiness, though it faces fee-transparency scrutiny.
Headquarters: Cirencester, UK · Founded: 1991
Size St. James's Place (STJ.L) is a United Kingdom Financials company (Life/Health Insurance) with a market value of $7.48B, the 63rd largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £1,124 on 6 Nov 2026.
Performance Over six months the shares fell 2.6%, against +12.0% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 164.2% over the last twelve months (peer median +13.8%); the operating margin is 4.2% (peer median 9.0%).
Valuation It trades at 3.64× book value against a peer median of 2.41× (8th most expensive of 20).
Price implies The share price implies a return on equity of about 43.3%; St. James's Place delivers 38.4%, so the price asks more than the business earns today.
Next results Next results expected around 24 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | £44.9B | £30.2B | £25.9B | £19.0B | -£7.44B |
| Revenue growth | — | +17% | +36% | — | — |
| Net income | £562M | £531M | £398M | -£10.1M | £407M |
| Free cash flow | £560M | £1.07B | -£659M | £7.40M | -£795M |
| Capital expenditure | £1.30M | £1.10M | £8.70M | £22.1M | £20.1M |
| Total debt | n/a | £442M | £624M | £372M | £280M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| St. James's Place STJ.L | $7.48B | -3% | +164% | 38% | 3.64× | 43.3% |
| Quilter QLT.L | $3.30B | +5% | +191% | 9% | 1.82× | 20.8% |
| Rathbones RAT.L | $2.42B | -8% | +5% | 9% | 1.45× | 17.1% |
| Ameriprise Financial AMP | $43.5B | +8% | +9% | 72% | 8.54× | 66.8% |
| Brooks Macdonald BRK.L | $307M | +5% | +6% | 2% | 1.60× | 15.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | STJ.L | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +10.2% | +2.1% | 5th highest of 21 |
| 6-month return | -2.6% | +12.0% | 6th lowest of 21 |
| Return on equity | 38.4% | 11.7% | highest of 21 |
| Price / book | 3.64× | 2.41× | 8th most expensive of 20 |
| Trailing P/E | 10.6× | 15.9× | 4th cheapest of 20 |
| ROE the price implies | 43.3% | 18.2% | 6th most demanding of 19 |
| ROE delivered | 38.4% | 11.7% | highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| St. James's Place STJ.L | United Kingdom | $7.48B | -3% | +164% | 38% | 3.64× | 43.3% | 38.4% |
| ICICI Life Insurance ICICILIFE.NS | India | $6.77B | -22% | -8% | 13% | 4.67× | 65.0% | 12.6% |
| Jackson Financial Incorporation JXN | United States | $8.70B | +17% | +34% | 9% | 1.10× | 12.5% | 9.5% |
| Voya Financial VOYA | United States | $8.91B | +21% | -3% | 14% | 2.34× | 17.2% | 14.3% |
| Primerica PRI | United States | $8.94B | +6% | +8% | 33% | 3.56× | 24.9% | 32.9% |
| Medibank Private MPL.AX | Australia | $9.94B | +14% | +9% | 27% | 5.90× | 23.8% | 26.8% |
| Challenger CGF.AX | Australia | $5.59B | +36% | -25% | 13% | 2.01× | 15.8% | 13.3% |
| JAPAN POST INSURANCE 7181.T | Japan | $11.2B | +8% | -6% | 4% | 0.38× | 2.9% | 4.2% |
| E-L Financial ELF.TO | Canada | $4.74B | +10% | +32% | 20% | 0.68× | 6.4% | 20.2% |
| Max Financial Services MFSL.NS | India | $4.68B | -25% | +18% | 3% | 7.71× | 78.7% | 3.3% |
| Standard Life SDLF.L | United Kingdom | $12.5B | +25% | +135% | -179% | 38.09× | n/a | -179.3% |
| HDFC Life Insurance HDFCLIFE.NS | India | $13.0B | -10% | +19% | 11% | 6.31× | 72.0% | 11.2% |
| T&d 8795.T | Japan | $14.0B | +21% | +6% | 9% | 1.32× | 5.6% | 9.3% |
| Equitable EQH | United States | $14.1B | +24% | +6% | -183% | n/a | n/a | n/a |
| Corebridge Financial CRBG | United States | $14.9B | +25% | +10% | 22% | 2.41× | 19.3% | 21.7% |
| Star Health & Allied Insurance STARHEALTH.NS | India | $3.52B | +9% | +21% | 12% | 3.19× | 47.7% | 11.7% |
| Reinsurance Group of America RGA | United States | $17.1B | +24% | +20% | 12% | 1.25× | 8.0% | 11.7% |
| Kgi Financial 2883.TW | Taiwan | $17.3B | +60% | +32% | 14% | 1.33× | 7.1% | 14.4% |
| COFCO Capital 002423.SZ | China | $3.15B | -11% | -31% | 6% | 0.85× | 6.2% | 5.6% |
| Privia Health PRVA | United States | $3.12B | +6% | +24% | 4% | 3.94× | 25.4% | 3.8% |
| SBI Life Insurance SBILIFE.NS | India | $18.9B | -5% | +18% | 14% | 8.72× | 105.4% | 13.7% |