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St. James's Place LSE:STJ Stock Report

Last Price


Market Cap







28 Jun, 2022


Company Financials +
STJ fundamental analysis
Snowflake Score
Future Growth3/6
Past Performance3/6
Financial Health3/6

STJ Stock Overview

St. James's Place plc is a publicly owned investment manager.

St. James's Place Competitors

Price History & Performance

Summary of all time highs, changes and price drops for St. James's Place
Historical stock prices
Current Share PriceUK£11.63
52 Week HighUK£17.43
52 Week LowUK£10.85
1 Month Change-8.25%
3 Month Change-20.18%
1 Year Change-21.53%
3 Year Change4.17%
5 Year Change-2.68%
Change since IPO1,221.59%

Recent News & Updates

Apr 04
St. James's Place (LON:STJ) Is Paying Out A Larger Dividend Than Last Year

St. James's Place (LON:STJ) Is Paying Out A Larger Dividend Than Last Year

St. James's Place plc's ( LON:STJ ) dividend will be increasing to UK£0.40 on 27th of May. This will take the dividend...

Shareholder Returns

STJGB Capital MarketsGB Market

Return vs Industry: STJ underperformed the UK Capital Markets industry which returned -15.9% over the past year.

Return vs Market: STJ underperformed the UK Market which returned -7.3% over the past year.

Price Volatility

Is STJ's price volatile compared to industry and market?
STJ volatility
STJ Average Weekly Movement4.3%
Capital Markets Industry Average Movement4.2%
Market Average Movement5.5%
10% most volatile stocks in GB Market10.7%
10% least volatile stocks in GB Market2.8%

Stable Share Price: STJ is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: STJ's weekly volatility (4%) has been stable over the past year.

About the Company

19912,673Andrew Croft

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.

St. James's Place Fundamentals Summary

How do St. James's Place's earnings and revenue compare to its market cap?
STJ fundamental statistics
Market CapUK£6.30b
Earnings (TTM)UK£286.70m
Revenue (TTM)UK£18.03b


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
STJ income statement (TTM)
Cost of RevenueUK£0
Gross ProfitUK£2.77b
Other ExpensesUK£2.49b

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

Jul 28, 2022

Earnings per share (EPS)0.53
Gross Margin15.39%
Net Profit Margin1.59%
Debt/Equity Ratio48.2%

How did STJ perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is STJ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for STJ?

Other financial metrics that can be useful for relative valuation.

STJ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.4x

Price to Earnings Ratio vs Peers

How does STJ's PE Ratio compare to its peers?

STJ PE Ratio vs Peers
The above table shows the PE ratio for STJ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average6.8x
III 3i Group
RCP RIT Capital Partners
ICP Intermediate Capital Group
SDR Schroders
STJ St. James's Place

Price-To-Earnings vs Peers: STJ is expensive based on its Price-To-Earnings Ratio (22x) compared to the peer average (6.8x).

Price to Earnings Ratio vs Industry

How does STJ's PE Ratio compare vs other companies in the GB Capital Markets Industry?

Price-To-Earnings vs Industry: STJ is expensive based on its Price-To-Earnings Ratio (22x) compared to the UK Capital Markets industry average (9.8x)

Price to Earnings Ratio vs Fair Ratio

What is STJ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

STJ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22x
Fair PE Ratio22.8x

Price-To-Earnings vs Fair Ratio: STJ is good value based on its Price-To-Earnings Ratio (22x) compared to the estimated Fair Price-To-Earnings Ratio (22.8x).

Share Price vs Fair Value

What is the Fair Price of STJ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: STJ (£11.63) is trading below our estimate of fair value (£17.1)

Significantly Below Fair Value: STJ is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: STJ is poor value based on its PEG Ratio (1.4x)

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Future Growth

How is St. James's Place forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?

Future Growth Score


Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: STJ's forecast earnings growth (15.2% per year) is above the savings rate (0.9%).

Earnings vs Market: STJ's earnings (15.2% per year) are forecast to grow faster than the UK market (11% 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 (-83.2% per year).

High Growth Revenue: STJ's revenue is forecast to decline over the next 3 years (-83.2% 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 (31.7%)

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Past Performance

How has St. James's Place performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: STJ has high quality earnings.

Growing Profit Margin: STJ's current net profit margins (1.6%) are lower than last year (3.3%).

Past Earnings Growth Analysis

Earnings Trend: STJ's earnings have grown by 17.1% per year over the past 5 years.

Accelerating Growth: STJ's earnings growth over the past year (9.4%) is below its 5-year average (17.1% per year).

Earnings vs Industry: STJ earnings growth over the past year (9.4%) underperformed the Capital Markets industry 47.5%.

Return on Equity

High ROE: STJ's Return on Equity (25.7%) is considered high.

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Financial Health

How is St. James's Place's financial position?

Financial Health Score


Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: STJ's short term assets (£11.9B) exceed its short term liabilities (£7.8B).

Long Term Liabilities: STJ's short term assets (£11.9B) do not cover its long term liabilities (£146.8B).

Debt to Equity History and Analysis

Debt Level: STJ has more cash than its total debt.

Reducing Debt: STJ's debt to equity ratio has increased from 29.6% to 48.2% over the past 5 years.

Debt Coverage: STJ's debt is well covered by operating cash flow (264.9%).

Interest Coverage: Insufficient data to determine if STJ's interest payments on its debt are well covered by EBIT.

Balance Sheet

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What is St. James's Place current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: STJ's dividend (4.47%) is higher than the bottom 25% of dividend payers in the UK market (1.87%).

High Dividend: STJ's dividend (4.47%) is low compared to the top 25% of dividend payers in the UK market (5.16%).

Stability and Growth of Payments

Stable Dividend: STJ's dividend payments have been volatile in the past 10 years.

Growing Dividend: STJ's dividend payments have increased over the past 10 years.

Earnings Payout to Shareholders

Earnings Coverage: With its high payout ratio (97.5%), STJ's dividend payments are not well covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (20%), STJ's dividend payments are well covered by cash flows.

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How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Andrew Croft (56 yo)





Mr. Andrew Croft has been the Chief Executive Officer of St. James’s Place plc since January 1, 2018 and serves as its Executive Director since September 1, 2004. Mr. Croft also serves as Member of Executi...

CEO Compensation Analysis

Compensation vs Market: Andrew's total compensation ($USD3.97M) is about average for companies of similar size in the UK market ($USD3.29M).

Compensation vs Earnings: Andrew's compensation has increased by more than 20% in the past year.

Leadership Team

Experienced Management: STJ's management team is seasoned and experienced (5.4 years average tenure).

Board Members

Experienced Board: STJ's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: STJ insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

St. James's Place plc's employee growth, exchange listings and data sources

Key Information

  • Name: St. James's Place plc
  • Ticker: STJ
  • Exchange: LSE
  • Founded: 1991
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Implied Market Cap: UK£6.303b
  • Shares outstanding: 541.97m
  • Website:

Number of Employees


  • St. James's Place plc
  • St. James’s Place House
  • 1 Tetbury Road
  • Cirencester
  • Gloucestershire
  • GL7 1FP
  • United Kingdom


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/28 00:00
End of Day Share Price2022/06/28 00:00
Annual Earnings2021/12/31

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 here.