St. James's Place plc

LSE:STJ Stock Report

Market Cap: UK£6.0b

St. James's Place Future Growth

Future criteria checks 2/6

St. James's Place's revenue is forecast to decline at 86.8% per annum while its annual earnings are expected to grow at 10.9% per year. EPS is expected to grow by 14% per annum. Return on equity is forecast to be 30% in 3 years.

Key information

10.9%

Earnings growth rate

13.96%

EPS growth rate

Capital Markets earnings growth11.1%
Revenue growth rate-86.8%
Future return on equity29.96%
Analyst coverage

Good

Last updated01 Jun 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 06

STJ: Future Capital Generation And Higher P E Will Support Upside Potential

Analysts trimmed their average price target on St. James's Place by a small amount, reflecting recent mixed target moves, where cuts of £0.20 to £1.00 were partly offset by at least one increase of £2.00, and a slightly lower fair value and P/E assumption in updated models. Analyst Commentary Recent Street research on St. James's Place has focused on recalibrating price targets in light of updated assumptions and model tweaks, resulting in several cuts alongside one sizeable increase to £20.00 from Deutsche Bank.
Narrative Update • May 01

STJ: Future Share Buybacks And Higher P E Will Offset AI Threat

Analyst fair value for St. James's Place edges up from £16.40 to about £16.47, as analysts adjust price targets after a mix of recent target cuts and raises across the Street. Analyst Commentary Recent price target moves for St. James's Place show a split view, with some analysts lifting targets into the £18.70 to £20.00 range while others are trimming estimates and, in one case, cutting the rating to Equal Weight.
Narrative Update • Apr 17

STJ: Share Buybacks And Higher P E Will Counter AI Concerns

Analyst price targets for St. James's Place have edged lower, with the new fair value estimate moving from £16.62 to about £16.40 as analysts factor in slightly higher discount rates, a softer revenue outlook, and a modestly lower profit margin, alongside recent Street updates that include several downward target revisions and mixed rating changes. Analyst Commentary Recent Street research on St. James's Place shows a mix of optimism and caution, with several firms adjusting price targets both higher and lower and making rating changes that reflect differing views on the balance of risks and rewards.
Narrative Update • Apr 03

STJ: Share Buybacks And Higher P E Assumptions Will Offset AI Threat

St. James's Place's analyst price target has been nudged slightly lower, with the revised fair value estimate trimming about £0.10 per share as analysts factor in small adjustments to discount rates, profit margin assumptions, and longer term P/E expectations, following a mix of recent target cuts and raises across the Street. Analyst Commentary Recent Street research on St. James's Place shows a split picture, with some firms lifting price targets and ratings while others dial back expectations or express fresh concerns about the business model.
Narrative Update • Mar 19

STJ: Higher Long Term P/E Assumptions Will Counter Near Term AI Threat

The analyst price target for St. James's Place has been adjusted slightly higher to reflect a fair value estimate of £16.72. Analysts point to modest tweaks in discount rate assumptions, a small change in expected revenue growth, stronger projected profit margins and a marginally lower future P/E multiple as key drivers.
Narrative Update • Mar 04

STJ: Higher Long Term P/E Assumptions Will Offset AI Disruption Risk

The updated analyst price target for St. James's Place edges higher, reflecting a recalibrated fair value estimate and P/E assumptions as analysts balance AI related competitive risks highlighted in recent downgrades with supportive views on valuation and a series of revised targets between about £13.00 and £19.50. Analyst Commentary Recent Street research on St. James's Place shows a mix of optimism and caution, with several firms revisiting ratings and price targets in light of valuation changes and perceived competitive risks from AI driven models.
New Narrative • Mar 01

AI Adviser Tools And Underpenetrated Advice Market Will Support Long-Term Wealth Management Demand

Catalysts About St. James's Place St. James's Place provides face to face, advice led wealth management and investment solutions to U.K. clients through a nationwide adviser partnership. What are the underlying business or industry changes driving this perspective?
Narrative Update • Feb 18

STJ: Higher Long Term P/E Assumptions Will Support Future Upside

Analysts have raised their blended price target for St. James's Place to reflect modestly improved fair value assumptions of £16.64 per share, supported by a slightly higher long term P/E multiple and recent price target increases from several banks across the Street. Analyst Commentary Recent Street research has clustered around higher price targets for St. James's Place, with multiple banks lifting their fair value estimates in quick succession.
Narrative Update • Feb 03

STJ: Refined Discount Rate And Margin Assumptions Will Guide Future Returns

Analysts have lifted their price targets on St. James's Place, helping to nudge the fair value estimate to £16.63 from £15.95, supported by updated assumptions on discount rates, revenue trends, profit margins and future P/E. Analyst Commentary Recent Street research shows a cluster of higher price targets on St. James's Place, with adjustments in the range of 1 GBp to 200 GBp and absolute targets spanning from £13.75 to £19.50.
Narrative Update • Jan 20

STJ: Tight Price Range And Margin Assumptions Will Shape Future Returns

Narrative Update The analyst price target for St. James's Place has been raised slightly, supported by higher fair value estimates and firmer margin and P/E assumptions in line with recent Street target moves to around £15.90 to £16.20 per share. Analyst Commentary Recent Street research on St. James's Place has focused on modest upward moves in price targets, clustering in a range of £15.90 to £16.20 per share.
Narrative Update • Jan 06

STJ: Gradual Street Repricing And Margin Assumptions Will Shape Future Return Potential

The analyst price target for St. James's Place has been raised slightly as analysts factor in a modestly higher fair value of £15.46, a small reduction in the discount rate to 8.43% and updated assumptions on long term profit margins and future P/E multiples, in line with recent Street target moves to a range of £15.10 to £16.20. Analyst Commentary Recent Street research on St. James's Place has clustered around a tight range of price targets between £15.10 and £16.20, with several banks revising their figures in quick succession.
Narrative Update • Dec 22

STJ: Gradual Price Uplift Will Support Stronger Future Return Potential

The analyst price target for St. James's Place has been raised, with a modest uplift in fair value to around £15.42 per share. Analysts point to a slightly lower discount rate, marginally improved long term profit margins, and a small uptick in forward valuation multiples to support their more constructive stance.
Narrative Update • Dec 08

STJ: Incremental Price Hike Signals Firm Yet Balanced Future Return Potential

Our analyst price target for St. James's Place has been nudged higher in line with recent Street moves, with multiple analysts lifting their targets into the 1,510 GBP to 1,620 GBP range, as they cite resilient margins and a slightly richer fair value outlook despite a modestly higher discount rate. Analyst Commentary Recent Street research points to a broadly constructive stance on St. James's Place, with successive price target increases reflecting confidence in the group’s ability to sustain growth and protect profitability despite a firmer rate environment.
Narrative Update • Nov 24

STJ: Ongoing Buy Ratings And Raised Forecasts Will Drive Future Share Gains

St. James's Place saw its analyst price targets rise modestly, with valuations moving from £15.10 to £15.15 per share. Analysts point to strengthened buy and overweight ratings amid stable financial metrics and a positive outlook.
Narrative Update • Nov 05

STJ: Ongoing Buy Ratings From Top-Tier Firms Will Drive Positive Share Momentum

The analyst price target for St. James's Place has been raised by analysts to £15.13 from £14.92 per share. This increase reflects recent upward revisions supported by continued strong profitability and improved margin outlooks.
Narrative Update • Oct 22

Analysts Grow More Optimistic on St. James's Place as Price Targets and Valuations Edge Higher

The analyst price target for St. James's Place has increased from £14.10 to £14.92. This reflects greater optimism among analysts, who cite stable discount rates, improving profit margin forecasts, and recent upward revisions from several banks.
Narrative Update • Oct 08

Digital Advice And Retirement Planning Will Drive Future Value

The consensus analyst price target for St. James's Place has increased significantly, with new estimates up by several hundred GBp. Analysts cite improved revenue outlook and strong sector performance as key drivers for the upward revisions. Analyst Commentary Recent analyst activity has highlighted a wave of upward revisions to St. James's Place's price targets, reflecting growing optimism around the company's financial outlook and sector position.
Narrative Update • Sep 05

Digital Advice And Retirement Planning Will Drive Future Value

With future P/E and discount rate remaining effectively unchanged, there is little shift in St. James's Place’s underlying valuation, resulting in only a marginal increase in the consensus Analyst Price Target from £13.78 to £13.88. Valuation Changes Summary of Valuation Changes for St. James's Place The Consensus Analyst Price Target remained effectively unchanged, moving only marginally from £13.78 to £13.88.
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New Narrative • Mar 02

Investments In AI Technology And Passive Options Will Attract More Clients In The Future

New charging structure and innovative products aim to boost transparency and expand market, driving future revenue growth and client base.

Earnings and Revenue Growth Forecasts

LSE:STJ - Analysts future estimates and past financials data (GBP Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20281,011643242N/A4
12/31/2027887515205N/A5
12/31/2026763390173N/A5
12/31/202530,1625311,0661,067N/A
9/30/202523,624522725727N/A
6/30/202517,086513382385N/A
3/31/202521,530456-141-135N/A
12/31/202425,974398-663-654N/A
9/30/202426,385196-493-480N/A
6/30/202426,795-7-322-305N/A
3/31/202422,904-8-163-143N/A
12/31/202319,012-10-319N/A
9/30/202315,746175-157-135N/A
6/30/202312,480360-310-289N/A
3/31/2023339384-560-540N/A
12/31/2022-11,802407-811-791N/A
9/30/2022-10,527390-157N/A
6/30/2022-9,253374780805N/A
3/31/20224,3873301,0941,117N/A
12/31/202118,0262871,4071,430N/A
9/30/202120,669246620643N/A
6/30/202123,311205-168-144N/A
3/31/202115,686233-159-134N/A
12/31/20208,061262-151-124N/A
9/30/20204,464270223251N/A
6/30/2020866279596626N/A
3/31/20208,715213468496N/A
12/31/201916,564147339365N/A
9/30/201911,637148N/A-220N/A
6/30/20196,710150N/A-806N/A
3/31/20192,008162N/A-511N/A
12/31/2018-2,694174N/A-215N/A
9/30/20181,595163N/A295N/A
6/30/20185,884153N/A806N/A
3/31/20187,484149N/A444N/A
12/31/20179,083146N/A82N/A
9/30/201711,183136N/A633N/A
6/30/201713,284126N/A1,183N/A
3/31/201712,319119N/A1,684N/A
12/31/201611,355112N/A2,185N/A
9/30/20167,865154N/A1,590N/A
6/30/20164,376196N/A995N/A
3/31/20163,743199N/A612N/A
12/31/20153,111202N/A228N/A
9/30/20153,983189N/A530N/A
6/30/20154,856176N/A831N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: STJ's forecast earnings growth (10.9% per year) is above the savings rate (3.4%).

Earnings vs Market: STJ's earnings (10.9% per year) are forecast to grow slower than the UK market (11.5% per year).

High Growth Earnings: STJ's earnings are forecast to grow, but not significantly.

Revenue vs Market: STJ's revenue is expected to decline over the next 3 years (-86.8% per year).

High Growth Revenue: STJ's revenue is forecast to decline over the next 3 years (-86.8% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: STJ's Return on Equity is forecast to be high in 3 years time (30%)

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/15 05:05
End of Day Share Price 2026/06/12 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

St. James's Place plc is covered by 24 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Larissa van DeventerBarclays
Michael SandersonBarclays
James AllenBerenberg