PHNX Share Price Performance
UK£7.31
2.29 (45.62%)
16.9% undervalued intrinsic discount
UK£8.80
Fair Value
Price UK£7.31
AnalystHighTarget UK£8.80
AnalystConsensusTarget UK£7.11
AnalystLowTarget UK£5.65
Fair ValueUK£8.80
Share Pricen/a
Phoenix Group Holdings plc Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 120 Fair Values set on narratives written by author
PHNX Community Narratives
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Fair Value UK£8.8 16.9% undervalued intrinsic discount
Digital Adoption And Pension Demand Will Transform European Markets
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Fair Value UK£7.11 2.8% overvalued intrinsic discount
Digital Transformation Will Improve Customer Engagement And Efficiency
4users have liked this narrative
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71users have followed this narrative
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Fair Value UK£5.9 23.9% overvalued intrinsic discount
Rising Regulatory Burdens And Fintech Disruption Will Squeeze Margins
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Digital Adoption And Pension Demand Will Transform European Markets
Key Takeaways Accelerating cost-saving, digital transformation, and strong asset in-housing are expected to unlock surplus capital and drive sustained profit and margin growth. Unique market reach, digital advice, and regulatory trends position Phoenix for dominant revenue, asset growth, and high-margin recurring income in retirement products.Read more
49
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AN
UK£8.8
16.9% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
-27.91% p.a.
Profit Margin
21.54%
Future PE
7.8x
Price in 2028
UK£10.87
Digital Transformation Will Improve Customer Engagement And Efficiency
Key Takeaways Expansion in annuities and workplace pensions boosts revenue opportunities and operating margins, leveraging market growth in retirement solutions. Commitment to lower leverage ratio reduces financial risk and interests, potentially improving net margins and investor confidence.Read more
388
users have viewed this narrative4users have liked this narrative
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71users have followed this narrative
AN
UK£7.11
2.8% overvalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
-24.53% p.a.
Profit Margin
14.64%
Future PE
8.08x
Price in 2028
UK£8.79
Rising Regulatory Burdens And Fintech Disruption Will Squeeze Margins
Key Takeaways Shifting consumer preferences and heightened digital competition threaten legacy product revenues and customer retention, challenging future growth across retail and retirement solutions. Regulatory changes, low interest rates, and diminishing acquisition opportunities are likely to raise costs, compress margins, and constrain long-term profitability.Read more
23
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AN
UK£5.9
23.9% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
-30.45% p.a.
Profit Margin
14.19%
Future PE
8.83x
Price in 2028
UK£7.28
Trending Discussion
Recently Updated Narratives
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PHNX: Margin Gains And Cash Generation Will Support Stronger Share Price
Fair Value: UK£8.8 16.9% undervalued intrinsic discount
9 followersusers have followed this narrative
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AN
PHNX: Adjusted Outlook And Cautious Optimism Will Influence Shareholder Returns
Fair Value: UK£7.11 2.8% overvalued intrinsic discount
71 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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AN
Rising Regulatory Burdens And Fintech Disruption Will Squeeze Margins
Fair Value: UK£5.9 23.9% overvalued intrinsic discount
3 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
Phoenix Group Holdings plc Key Details
Last Reported Earnings
Jun 30, 2025
Next Reporting Earnings
Mar 16, 2026
- -0.63
- 9.56%
- -3.62%
- 190.5%
About PHNX
- Founded
- 1782
- Employees
- 6980
- CEO
- WebsiteView website
Phoenix Group Holdings plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, SunLife & Protection, and Europe & Other segments. The company offers saving for retirement solutions that include defined contribution workplace pensions, retail savings for retirement, and legacy pensions and savings products; transitioning to retirement solutions, such as pension consolidation, fixed-term annuities, and smooth managed fund; and retirement income solutions, including income drawdown and lifetime annuities, defined benefit pension income, and home equity release. It also offers new and in-force individual annuity and bulk purchase annuity contracts written within shareholder funds; U.K. individual annuity; workplace pensions and self-invested personal pensions; in-force insurance and investment unit-linked products; and protection products. The company offers its products under the Standard Life, SunLife, Phoenix Life, and ReAssure brands. The company was founded in 1782 and is based in London, the United Kingdom.
