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Standard Life PLC (SDLF) fair value: what the stock is really worth

We calculate from audited financials what Standard Life PLC is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

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  2. Good quality? No
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Financial Services · GB · ISIN GB00BGXQNP29

SL Some data Sep 18, 2026

Standard Life PLC

SDLF · LSE

Weakest SetupStrongly overvalued and low quality.

!Fair value £4.32 · Strongly overvalued (−54%)
!Quality 43/100
!Mixed Growth (revenue 5y +19.1 %/yr)
!Loss-making · -1.5% net margin (TTM)
!High debt · negative free cash flow
·5.85% dividend yield
!Trails peers (3/12)
!Narrow moat 17/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

£9.53 £3.51 Fair Value £4.32 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.

How to read this chart

60‑month range £3.51 – £9.53 · fair‑value band £4.31 – £4.33 · the £9.47 price screens above the £4.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.

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Company profile

Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, and Europe & Other segments.

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Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, and Europe & Other segments. The company offers defined contribution workplace pensions, retail savings for retirement, international bonds, and legacy savings and pension products; defined benefit pension income, income drawdown and lifetime annuities, fixed-term annuities, and smoothed managed funds. It also offers new and in-force individual annuity and pension risk transfer contracts written within shareholder funds; U.K. individual annuity; workplace pensions and self-invested personal pensions; new and in-force insurance and investment unit-linked products; and protection products. The company offers its products under the Standard Life, SunLife, Phoenix Life, Phoenix Wealth, Phoenix Corporate Investment Services, and ReAssure brands. Standard Life plc was formerly known as Phoenix Group Holdings plc and changed its name to Standard Life plc in February 2026. The company was founded in 1782 and is based in London, the United Kingdom.

Stock analysis

Standard Life PLC (SDLF) currently trades at £9.47, while our model-based Fair Value estimate is £4.32, implying the stock looks roughly 119.1% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of £4.48 per share, and 0 of the 6 models we run sit above the £9.47 price.

Bear case: the Asset-Based group reads lowest at £0.4900, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: £4.31 (bear) to £4.33 (bull), the price of £9.47 sits above 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 43/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Standard Life PLC reported revenue of £31.8B in FY2025 versus £10.3B in FY2021, a compound +32.5%/yr. Reported net income was −£443M in FY2025.

Key figures

Market cap 9.5B GBX · P/S ratio 0.26 · EPS (TTM) £−0.4700 · Dividend yield 5.9% · Net margin −1.4% · Return on equity −22.3% · Return on assets (EBIT) −0.4% · Operating margin 0.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −54%, SDLF screens richer than that median.

Fair Value models

Bear £4.31 Fair Value £4.32 Bull £4.33
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
EPV £4.31 £4.33 £4.34 74
ROIC Compounder £4.31 £4.33 £4.34 70
EV/EBITDA £6.29 £6.99 £7.68 67
All 6 models by family
Earnings-Based
EPV £4.31 £4.33 £4.34 74
Multiples
EV/EBIT £4.40 £4.46 £4.52 66
EV/EBITDA £6.29 £6.99 £7.68 67
EV/Revenue £4.40 £4.48 £4.56 54
Asset-Based
NCAV (Graham) £0.3700 £0.4900 £0.7400 54
Economic Profit
ROIC Compounder £4.31 £4.33 £4.34 70

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Quality Score breakdown

Overall quality 43/100

Of which business quality 41 · Market factors (momentum, volatility) 87

Profitability 7
Margins and returns on capital today
Quality Growth 65
Are margins and returns improving?
Cashflow 37
Earnings quality: real cash, not paper profit
Fin. Strength 7
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 77
Calm price path (market factor)
Momentum 86
Price trend over the last 3–12 months (market factor)
52W Momentum 98
Distance to the 52-week high (market factor)
Net Issuance 81
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+87.2%
Revenue growth 3 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.
+1.0%
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.
+19.1%
Revenue growth 17 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.
+56.3%
Profit margin (trend) ⓘ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.
9.6% (2020) → 0.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

SDLF screens 119% overvalued. Compare with China Life Insurance Company →

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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.Insurance - Life · 95 stocks

Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −20% · Below median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) −2% · Bottom 25%
Operating margin (TTM) 1% · Bottom 25%
Growth and dividend
Revenue growth 128% · Top 25%
Dividend yield (TTM) 5.9% · Top 25%
Balance sheet
Debt / equity 4.16× · Highest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/B 16.05× · Priciest 25%
P/S (TTM) 0.41× · Cheapest 25%
EV/EBITDA 26.0× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 16
FUTURE (revenue growth)100 · sector 43
PAST (return on equity)0 · sector 43
HEALTH (low debt)0 · sector 84
DIVIDEND (yield)100 · sector 56

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥37.25 ¥49.98 +34%
Ping An Insurance (Group) Company 601318 ¥53.51 ¥68.44 +28%
AIA Group 1299 HK$77.35 HK$33.58 −57%
Manulife Financial Corporation MFC C$60.28 C$38.80 −36%
Aflac Incorporated AFL $117.55 $67.96 −42%
MetLife, Inc MET $97.23 $53.26 −45%
Great-West Lifeco Inc GWO C$92.94 C$41.81 −55%
Life Insurance Corporation LICI ₹400.00 ₹392.93 −2%
China Pacific Insurance (Group) Co 601601 ¥32.02 ¥51.59 +61%
Samsung Life Insurance Co 032830 283,500 KRW 191,293 KRW −33%

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Standard Life PLC · Fair Value
£4.32 −119%Fair Value
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Cite: Fair Value Calculator (2026). "Standard Life PLC Fair Value". https://www.fairvalue-calculator.com/stock/SDLF

Frequently asked questions

Is Standard Life PLC (SDLF) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of £4.32 versus a price of £9.47, about −54% upside (overvalued).
What is the fair value of SDLF?
Our model-based fair value for Standard Life PLC is £4.32 (as of Sep 18, 2026), built from audited fundamentals. The current price: £9.47.
What is the quality score of SDLF?
Standard Life PLC has a Quality Score of 43/100. 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 Standard Life PLC (SDLF)?
Our model-based price target is the fair value of £4.32 (as of Sep 18, 2026) from 6 valuation models. Cautious scenario £4.31, optimistic scenario £4.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Standard Life PLC stock forecast for 2026?
Our models put fair value at £4.32, about −54% upside versus a price of £9.47 (overvalued). Cautious scenario £4.31, optimistic scenario £4.33. The calculation is refreshed regularly with new filings.
What is the revenue of Standard Life PLC (SDLF)?
Standard Life PLC reported trailing-twelve-month revenue of about £29.0B (latest available figure, as of Sep 18, 2026).
Does Standard Life PLC pay a dividend?
Standard Life PLC currently shows a dividend yield of about 5.85% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Standard Life PLC (SDLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Standard Life PLC it is £4.32 per share (as of Sep 18, 2026), against a price of £9.47. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Standard Life PLC stock overvalued or undervalued in 2026?
As of Sep 18, 2026, SDLF trades above its calculated fair value: price £9.47, fair value £4.32, a gap of about −54% (overvalued). 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 SDLF?
No. The price is what the market pays today (£9.47); the fair value is what the company's own numbers justify (£4.32). For Standard Life PLC the two are £5.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Standard Life PLC worth?
The market values Standard Life PLC at about 9.5B GBX (market capitalisation, as of Sep 18, 2026). Per share that is £9.47; our models calculate a fair value of £4.32 per share.
What do the bullish and bearish scenarios say about SDLF?
Our models span a range for Standard Life PLC: cautious scenario £4.31, base £4.32, optimistic £4.33 per share (as of Sep 18, 2026, price £9.47). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Standard Life PLC (SDLF)?
Balance-sheet figures for Standard Life PLC (as of Sep 18, 2026): return on equity −22.3%, debt of 4.16 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
Which stocks are comparable to Standard Life PLC?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, 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 Standard Life PLC stock attractive at the current price?
The data as of Sep 18, 2026: price £9.47, calculated fair value £4.32 (−54%), Quality Score 43/100, from 6 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 SDLF calculated?
We run Standard Life PLC through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £4.32, 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 16.1 % above its aggregate fair value. Standard Life PLC itself currently trades above fair value. 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 Standard Life PLC (SDLF)?
The closing price on Sep 21, 2026 was £9.47. Our model-based fair value is £4.32, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Standard Life PLC right now?
The price sits above even our optimistic bull case (£4.33). The favourable scenario is already priced in. Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (£4.31 to £4.33), unusually little disagreement for a valuation. 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 Standard Life PLC

How large is the market capitalisation of Standard Life PLC (SDLF)?
The market capitalisation of Standard Life PLC is 9.5B GBX. 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 Standard Life PLC (SDLF)?
The price-to-sales ratio of Standard Life PLC is 0.26 (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 Standard Life PLC (SDLF)?
Earnings per share at Standard Life PLC are £−0.4700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Standard Life PLC (SDLF)?
The dividend yield of Standard Life PLC is 5.9%. 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 Standard Life PLC (SDLF)?
The net margin of Standard Life PLC is −1.4% (fiscal year 2025). 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 Standard Life PLC (SDLF)?
The return on equity (ROE) of Standard Life PLC is −22.3% (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 Standard Life PLC (SDLF)?
On an EBIT basis the return on assets of Standard Life 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 Standard Life PLC (SDLF)?
The operating margin of Standard Life PLC is 0.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Standard Life PLC (SDLF)?
Revenue at Standard Life PLC is growing +128% versus a year earlier (3y avg +1.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Standard Life PLC (SDLF) generate?
The free cash flow of Standard Life PLC is −1.0B GBX (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 Standard Life PLC (SDLF) hold?
Standard Life PLC holds more cash than debt, 7.2B GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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