St. James's Place plc
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'…
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.Looks undervalued
5-year outlook: Not shown because confidence is low: Dividend discount model disagrees strongly.
Why: Dividends are small or missing, and cash-flow models do not suit financials, so value is based on reinvestment-adjusted earnings.
Details and the full model are below.
Market price below modeled range
Showing the EV/EBITDA (12x) you selected on the company card, using 9.73% growth, 2.4% terminal growth and 9.6% discount. The range varies these assumptions slightly; it is illustrative, not investment advice. Low confidence: the modelled value is far from the market price, which usually means the model does not capture this company well (for example expected growth well above its history).
Assumptions: growth 9.73%, discount rate 9.60%, terminal growth 2.40% (sector defaults). See a worked example.
Blended growth assumption: 9.7% (sector default 5.4%, analyst revenue consensus 14.1%).
Analyst consensus expects revenue growth of 14.1% a year; the growth assumption used is 9.7%.
Adjust assumptions
Show the recommended model instead
Why this model: Dividends are small or missing, and cash-flow models do not suit financials, so value is based on reinvestment-adjusted earnings.
Compare models- Recommended: Earnings-based DCF — GBP 11.56 (+2.3%)
-
EPS-based Gordon proxy
— GBP 14.05 (+24.3%)
Not used: Treats all earnings as if paid out and ignores the cash kept for reinvestment, so it overstates value for companies that retain most profit.
-
DCF (trailing free cash flow)
— GBP 37.91 (+235.5%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
-
FCFF (steady state)
— GBP 27.80 (+146.0%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
-
EV/EBITDA (12x)
— GBP 29.24 (+158.8%)
Not used: Used only when free cash flow is far below earnings even after averaging three years; a fixed 12x multiple also ignores sector differences.
-
Fade DCF (10-year growth fade)
— GBP 37.58 (+232.6%)
Not used: Cash-flow models do not suit banks and insurers, whose cash flow is mostly funding and deposits.
-
EV/Sales (Rule of 40)
— GBP 158.14 (+1299.5%)
Not used: Used only for technology and communication companies whose cash-flow value is far below the price.
| Bear GBP 24.30 | 53.5% |
| Base GBP 29.24 | 61.4% |
| Bull GBP 34.18 | 66.9% |
Margin = (value − price) / value, so it is measured against the value and reads lower than the upside to value, which is measured against the price. Positive means the price is below that case.
Track record: see the methodology page for how this model has performed historically, including its limits. Treat it as a screen, not a forecast.
Price history and fair value
No chartable saved daily price history is available for this range. The chart uses stored EODHD prices only and will appear after history is saved.
More detail: quality, peers, price history, dividends and financials
Quality score: 64 / 100
Five equal checks on reported history: profitability, cash generation, revenue growth, balance sheet and margins. It describes business quality, not whether the price is attractive.
| Profitability | 4 of 5 years profitable | 16 / 20 |
| Cash generation | free cash flow positive in 2 of 5 years | 8 / 20 |
| Growth | revenue +13.7% a year | 20 / 20 |
| Balance sheet | net debt 0.2x EBITDA | 20 / 20 |
| Margins | EBITDA margin 4% | 0 / 20 |
Peers in Financials
Same-sector companies with a valuation, most undervalued first. Compare the margin of safety, yield and quality score side by side.
| Company | Price | Margin of safety | P/E | P/B | Yield | Quality |
|---|---|---|---|---|---|---|
| STJ.L (this company) | GBP 11.30 | 2.3% | 11.4 | 4.1 | 1.6% | 64 |
| PSH.L Pershing Square Holdings, Ltd. | GBP 38.88 | 68.1% | 3.7 | 0.6 | 1.3% | 76 |
| LRE.L Lancashire Holdings Limited | GBP 6.89 | 45.5% | 7.1 | 1.6 | 3.3% | 76 |
| ACA.PA Credit Agricole S.A. | EUR 15.88 | 36.0% | 6.8 | 0.7 | 6.9% | 78 |
| PRU.L Prudential plc | GBP 9.29 | 33.7% | 8.1 | 1.6 | 1.9% | 78 |
| V Visa Inc. | USD 422.59 | 33.3% | 8.9 | – | 0.2% | 100 |
| AGS.BR ageas SA/NV | EUR 77.60 | 32.5% | 8.2 | 1.5 | 5.0% | 76 |
| SYF Synchrony Financial | USD 74.07 | 29.9% | 7.2 | 1.4 | 2.1% | 100 |
| NWG.L NatWest Group plc | GBP 5.92 | 29.6% | 8.3 | 1.3 | 4.9% | 88 |
| Peer median | 7.6 | 1.4 | ||||
Dividends
Paid in the last 12 months: GBP 0.00 per share · yield 0.02% at the current price.
| Year | Dividends per share |
|---|---|
| 2026 (so far) | 0.002 |
| 2025 | 0.002 |
| 2024 | 0.001 |
| 2023 | 0.005 |
| 2022 | 0.006 |
| 2021 | 0.006 |
Annual financial statement
Saved annual report · Fiscal year 2025 · EODHD annual statements · period ended 31 Dec 2025
| Revenue | GBP 30,162,400,000 |
|---|---|
| EBITDA | GBP 1,328,300,000 |
| EBIT | GBP 1,300,100,000 |
| Net income | GBP 531,100,000 |
| Free cash flow | GBP 1,066,099,999 |
| Capital expenditures | GBP 1,100,000 |
| Debt | GBP 543,100,000 |
| Cash | GBP 329,600,000 |
| Working capital | GBP 5,728,300,000 |
| Shares outstanding | 537,800,000 |
| Reported dividends per share | GBP 0.1791 |