St. James's Place plc (STJ) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of St. James's Place plc stock £22.48, price £11.24, upside +100.0%, quality 54 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range £3.80 – £15.38 · fair‑value band £6.80 – £37.94 · the £11.24 price screens below the £22.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
Follow St. James's Place in your weekly email
Every Wednesday you see whether St. James's Place is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show moreShow less
St. James's Place plc was founded in 1991 and is based in Cirencester, United Kingdom.
Stock analysis
St. James's Place plc (STJ) currently trades at £11.24, while our model-based Fair Value estimate is £22.48, implying the stock looks roughly 50% undervalued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of £46.94 per share, and 8 of the 13 models we run sit above the £11.24 price.
Bear case: the Dividend Discount group reads lowest at £2.84, and 5 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: £6.80 (bear) to £37.94 (bull), the price of £11.24 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
St. James's Place plc reported revenue of £30.2B in FY2025 versus £17.8B in FY2021, a compound +14.2%/yr. Reported net income was £531M in FY2025, compounding +16.7%/yr from FY2021.
Key figures
Market cap £5.9B Mid · P/E ratio 10.5 · P/S ratio 0.13 · EPS (TTM) £1.07 · Dividend yield 1.6% · Net margin 1.3% · Return on equity 38.5% · Return on assets (EBIT) 0.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at 100%, STJ screens cheaper than that median.
Fair Value models
Bear£6.80Fair Value £22.48Bull£37.94
Price £11.24 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£0.7608 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.1%
Start year 2020 (pandemic). Over 10 years: +25.5% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
’12
’13
’14
’15
’16
’17
’19
’20
’21
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)1.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15.2% vs 10.6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 4%
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
AI conclusion: The advice-led model with high client loyalty forms the main strength, while thin public evidence leaves only moderate durable advantage in asset management.
Main risk: Generative AI tools from fintechs such as Altruist could automate tax planning and advice tasks, pressuring fees and margins in St. James’s Place’s advice-led model as noted by Barclays analysts.
Bull case: St. James’s Place could integrate AI tools like its ChatSJP to boost adviser productivity and defend margins while retaining client loyalty through personalised service.
Bear case: If AI automates core advice tasks and rivals capture advisers or clients, St. James’s Place could face sustained margin compression and slower growth in its funds under management.
St. James’s Place recently shifted more than two billion pounds across its fund ranges, cutting investment-grade corporate bond holdings in favor of government bonds, UK equities and small-caps. Record funds under management stand alongside slower net inflows than a year earlier, even as the advice-led model retains high client loyalty. Our models currently see the shares as undervalued. Does this reallocation strengthen long-term positioning in a shifting rate environment, or does it highlight execution risks ahead?
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 588 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)38.5% · Top 25%
Return on assets0.2% · Bottom 25%
Net margin (12 months)1.3% · Bottom 25%
Operating margin (12 months)4.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)213.0% · Top 25%
Dividend yield (12 months)1.6% · Bottom 25%
Balance sheet
Debt / equity0.23× · Above median
Valuation Multiplesvs Asset Management median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "St. James's Place plc Fair Value". https://www.fairvalue-calculator.com/stock/STJ
Frequently asked questions
Is St. James's Place plc (STJ) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of £22.48 versus a price of £11.24, about +100% upside (undervalued).
What is the fair value of STJ?
Our model-based fair value for St. James's Place plc is £22.48 (as of Nov 7, 2026), built from audited fundamentals. The current price: £11.24.
What is the quality score of STJ?
St. James's Place plc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for St. James's Place plc (STJ)?
Our model-based price target is the fair value of £22.48 (as of Nov 7, 2026) from 13 valuation models. Cautious scenario £6.80, optimistic scenario £37.94. It is a calculation from audited fundamentals, not an analyst target.
What is the St. James's Place plc stock forecast for 2026?
Our models put fair value at £22.48, about +100% upside versus a price of £11.24 (undervalued). Cautious scenario £6.80, optimistic scenario £37.94. The calculation is refreshed regularly with new filings.
What is the revenue of St. James's Place plc (STJ)?
St. James's Place plc reported trailing-twelve-month revenue of about £44.8B (latest available figure, as of Nov 7, 2026).
Does St. James's Place plc pay a dividend?
St. James's Place plc currently shows a dividend yield of 1.60% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of St. James's Place plc (STJ) and when is the ex-dividend date?
St. James's Place plc pays a dividend of £0.18 per share a year, a dividend yield of 1.6%. The last ex-dividend date was Aug 6, 2026. A dividend has been paid every year since at least 1993. The payout ratio is 16.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of St. James's Place plc (STJ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For St. James's Place plc it is £22.48 per share (as of Nov 7, 2026), against a price of £11.24. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is St. James's Place plc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, STJ trades below its calculated fair value: price £11.24, fair value £22.48, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of STJ?
No. The price is what the market pays today (£11.24); the fair value is what the company's own numbers justify (£22.48). For St. James's Place plc the two are £11.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is St. James's Place plc worth?
The market values St. James's Place plc at about £5.9B (market capitalisation, as of Nov 7, 2026). Per share that is £11.24; our models calculate a fair value of £22.48 per share.
What do the bullish and bearish scenarios say about STJ?
Our models span a range for St. James's Place plc: cautious scenario £6.80, base £22.48, optimistic £37.94 per share (as of Nov 7, 2026, price £11.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of STJ?
St. James's Place plc trades at a price-to-earnings ratio of 10.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £22.48 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 29.1. Other multiples: PEG 1.7, P/B 4.0, P/S 0.1.
What is the PEG ratio of STJ?
The PEG ratio of St. James's Place plc is 1.68 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of St. James's Place plc (STJ)?
Balance-sheet figures for St. James's Place plc (as of Nov 7, 2026): return on equity 38.5%, debt of 0.23 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is STJ from its 52-week high?
St. James's Place plc trades at £11.24, about 27% below its 52-week high of £15.38 and 10% above the low of £10.20 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of £22.48 is for.
Which stocks are comparable to St. James's Place plc?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is St. James's Place plc stock attractive at the current price?
The data as of Nov 7, 2026: price £11.24, calculated fair value £22.48 (+100%), Quality Score 54/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of STJ calculated?
We run St. James's Place plc through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of £22.48 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. St. James's Place plc currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of St. James's Place plc (STJ)?
The closing price on Nov 6, 2026 was £11.24. Our model-based fair value is £22.48, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with St. James's Place plc right now?
The model range is unusually wide (£6.80 to £37.94). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of St. James's Place plc
How large is the market capitalisation of St. James's Place plc (STJ)?
The market capitalisation of St. James's Place plc is £5.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of St. James's Place plc (STJ)?
The price-to-sales ratio of St. James's Place plc is 0.13 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of St. James's Place plc (STJ)?
Earnings per share at St. James's Place plc are £1.07 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of St. James's Place plc (STJ)?
The dividend yield of St. James's Place plc is 1.6% (payout 16.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of St. James's Place plc (STJ)?
The net margin of St. James's Place plc is 1.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of St. James's Place plc (STJ)?
The return on equity (ROE) of St. James's Place plc is 38.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of St. James's Place plc (STJ)?
On an EBIT basis the return on assets of St. James's Place plc is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of St. James's Place plc (STJ)?
The operating margin of St. James's Place plc is 4.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at St. James's Place plc (STJ)?
Revenue at St. James's Place plc is growing +213% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at St. James's Place plc (STJ)?
Earnings per share at St. James's Place plc are growing +15.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does St. James's Place plc (STJ) generate?
The free cash flow of St. James's Place plc is £1.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does St. James's Place plc (STJ) hold?
St. James's Place plc holds more cash than debt, £5.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch St. James's Place plc in the live analysis
One click puts St. James's Place plc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 7, 2026