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St. James's Place plc (STJPF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of St. James's Place plc $3.26, price $14.00, upside -76.7%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Broad data
Oct 3, 2026
Broad data
Oct 3, 2026
St. James's Place plc
STJPF · USWeakest SetupStrongly overvalued and low quality.
!Fair value $3.26 · Strongly overvalued (−76.7%)
!Quality 46/100
!Mixed Growth (revenue 5y +9.3 %/yr)
!Thin margins · 1.8% net margin (TTM)
✓Low debt · generates free cash flow
✓1.3% dividend yield · Well covered
!Moderate moat 46/100
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
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $4.78 – $21.03 · fair‑value band $2.45 – $4.08 · the $14.00 price screens above the $3.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Company profile
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. St.
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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. St. James's Place plc was founded in 1991 and is based in Cirencester, United Kingdom.
Stock analysis
St. James's Place plc (STJPF) currently trades at $14.00, while our model-based Fair Value estimate is $3.26, 76.7% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 25 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $2.45 (bear) to $4.08 (bull), the price of $14.00 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 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
St. James's Place plc reported revenue of £64.0M in FY2025 versus £18.0B in FY2021, a compound −75.6%/yr. Reported net income was £531M in FY2025, compounding +16.7%/yr from FY2021.
Key figures
Market cap $10.1B · P/E ratio 10.7 · P/S ratio 88.7 · EPS (TTM) $1.31 · Dividend yield 1.3% · Net margin 1.8% · Return on equity 38.6% · Return on assets (EBIT) −3.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −77%, STJPF screens richer than that median.
Fair Value models
Bear $2.45
Fair Value $3.26
Bull $4.08
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8545 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.
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
P/B Multiple
$2.45
$3.27
$4.09
55
NCAV (Graham)
$1.92
$2.58
$3.85
54
All 2 models by family
Multiples
P/B Multiple
$2.45
$3.27
$4.09
55
Asset-Based
NCAV (Graham)
$1.92
$2.58
$3.85
54
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Set up alert →Quality Score breakdown
Overall quality
46/100
Of which business quality 41 · Market factors (momentum, volatility) 51
Profitability
45
Margins and returns on capital today
Quality Growth
30
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
1
Balance sheet, leverage, solvency risk
Investment
68
Disciplined investing over empire-building
Low Volatility
31
Calm price path (market factor)
Momentum
50
Price trend over the last 3–12 months (market factor)
52W Momentum
78
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
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.
74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+12.8%
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.
+9.3%
Revenue growth 21 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.
+40.1%
’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.
+9.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.6%
Dividend (yield on the price)1.3%
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.8.6% vs 7.4%, steady
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% → 2,086%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−3.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −5.9% a year for the price.
STJPF screens overvalued: fair value 77% below the price. Compare with Blackstone Inc →
Earlier news
News mood ⓘNews mood, the average tone of recent news (94 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.
Negative
Recent news coverage is more negative than average.
- St James's Place PLC (STJPF) (H1 2026) Earnings Call Highlights: Strong Net Inflows and FUM ...
- St. James's Place (LSE:STJ) Stock Gets Fair Value Bump After Mixed Analyst Revisions
- St. James's Place (LSE:STJ) Stock Faces Mixed Analyst Target Changes As Views Split
- How The St. James's Place (LSE:STJ) Investment Story Is Evolving Without New Analyst Signals
Compare St. James's Place plc with another stock
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA 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 Asset Management stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $112.09 | $52.29 | −53% |
| KKR & Co KKR | $93.18 | $29.26 | −69% |
| Brookfield Corporation BN | $36.87 | $13.45 | −64% |
| Apollo Global Management, Inc APO | $116.06 | $197.23 | +70% |
| State Street Corporation STT | $177.78 | $139.37 | −22% |
| Ameriprise Financial, Inc AMP | $494.82 | $595.40 | +20% |
| Ares Management Corporation ARES | $122.01 | $103.68 | −15% |
| Northern Trust Corporation NTRS | $175.73 | $123.42 | −30% |
| Raymond James Financial, Inc RJF | $161.16 | $317.27 | +97% |
| Exor N.V EXO | €68.10 | €136.20 | +100% |
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Frequently asked questions
Is St. James's Place plc (STJPF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $3.26 versus a price of $14.00, about −77% upside (overvalued).
What is the fair value of STJPF?
Our model-based fair value for St. James's Place plc is $3.26 (as of Oct 3, 2026), built from audited fundamentals. The current price: $14.00.
What is the quality score of STJPF?
St. James's Place plc has a Quality Score of 46/100. 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 (STJPF)?
Our model-based price target is the fair value of $3.26 (as of Oct 3, 2026) from 2 valuation models. Cautious scenario $2.45, optimistic scenario $4.08. 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 $3.26, about −77% upside versus a price of $14.00 (overvalued). Cautious scenario $2.45, optimistic scenario $4.08. The calculation is refreshed regularly with new filings.
Does St. James's Place plc pay a dividend?
St. James's Place plc currently shows a dividend yield of about 1.29% relative to its recent price (as of Oct 3, 2026).
What growth is priced into St. James's Place plc (STJPF)?
For today's price to be fair in a discounted-cash-flow model, St. James's Place plc would have to grow free cash flow by -3.7 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -62.0 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of STJPF use?
Our models discount St. James's Place plc at 9.7 %: a base by market capitalisation (mid), damped by beta 1.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For St. James's Place plc that is -3.7 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has St. James's Place plc (STJPF) delivered so far?
Over the past 5 years revenue at St. James's Place plc grew -62.0 % a year. The price currently implies -3.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of St. James's Place plc (STJPF) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into St. James's Place plc (-3.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of St. James's Place plc (STJPF)?
The free-cash-flow yield on the price is 10.51 %: that much free cash flow St. James's Place plc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of St. James's Place plc (STJPF)?
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 $3.26 per share (as of Oct 3, 2026), against a price of $14.00. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is St. James's Place plc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, STJPF trades above its calculated fair value: price $14.00, fair value $3.26, a gap of about −77% (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 STJPF?
No. The price is what the market pays today ($14.00); the fair value is what the company's own numbers justify ($3.26). For St. James's Place plc the two are $10.74 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 $10.1B (market capitalisation, as of Oct 3, 2026). Per share that is $14.00; our models calculate a fair value of $3.26 per share.
What do the bullish and bearish scenarios say about STJPF?
Our models span a range for St. James's Place plc: cautious scenario $2.45, base $3.26, optimistic $4.08 per share (as of Oct 3, 2026, price $14.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is STJPF from its 52-week high?
St. James's Place plc trades at $14.00, about 33% below its 52-week high of $21.03 and at the low of $14.00 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $3.26 is for.
Which stocks are comparable to St. James's Place plc?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, 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 Oct 3, 2026: price $14.00, calculated fair value $3.26 (−77%), Quality Score 46/100, from 2 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 STJPF calculated?
We run St. James's Place plc through 2 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 $3.26, 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 14.5 % above its aggregate fair value. St. James's Place 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 St. James's Place plc (STJPF)?
The closing price on Oct 2, 2026 was $14.00. Our model-based fair value is $3.26, about −77% upside (overvalued). 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 price sits above even our optimistic bull case ($4.08). The favourable scenario is already priced in. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. 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 (STJPF)?
The market capitalisation of St. James's Place plc is $10.1B. 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/E ratio of St. James's Place plc (STJPF)?
The price-to-earnings ratio of St. James's Place plc is 10.7. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of St. James's Place plc (STJPF)?
The price-to-sales ratio of St. James's Place plc is 88.7 (P/E × margin). 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 (STJPF)?
Earnings per share at St. James's Place plc are $1.31 (price ÷ EPS = P/E 10.7). 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 (STJPF)?
The dividend yield of St. James's Place plc is 1.3% (payout 13.7%). 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 (STJPF)?
The net margin of St. James's Place plc is 1.8% (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 (STJPF)?
The return on equity (ROE) of St. James's Place plc is 38.6% (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 (STJPF)?
On an EBIT basis the return on assets of St. James's Place plc is −3.2% (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 (STJPF)?
The operating margin of St. James's Place plc is 3.5% (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 (STJPF)?
Revenue at St. James's Place plc is growing +128% 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 (STJPF)?
Earnings per share at St. James's Place plc are growing +10.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does St. James's Place plc (STJPF) carry?
The net debt of St. James's Place plc is $213M (fiscal year 2025, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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