Standard Life (SDLF) Stock Overview
Operates in the long-term savings and retirement business in Europe. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 4/6 |
| Past Performance | 0/6 |
| Financial Health | 1/6 |
| Dividends | 4/6 |
SDLF Community Fair Values
Create NarrativeSee what 128 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Standard Life plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£7.52 |
| 52 Week High | UK£8.05 |
| 52 Week Low | UK£6.15 |
| Beta | 0.91 |
| 1 Month Change | -1.46% |
| 3 Month Change | 3.51% |
| 1 Year Change | 16.97% |
| 3 Year Change | 33.34% |
| 5 Year Change | 5.02% |
| Change since IPO | -4.87% |
Recent News & Updates
Narrative Update • Jun 02
SDLF: Capital Light Shift And Aegon Deal Will Shape Future Return Profile
Standard Life's analyst price target has been lifted from £6.20 to £9.50 per share, with analysts citing the expected benefits from the Aegon UK acquisition and the company's capital light growth profile as key drivers of the rerating. Analyst Commentary Recent Street research has focused on the impact of the Aegon UK transaction, the shift toward a capital light growth profile, and how these factors feed into Standard Life's valuation and execution risk.
Narrative Update • May 15
SDLF: Capital Light Aegon UK Integration Will Support Future Re Rating
Analysts have lifted their price target for Standard Life from £6.20 to £9.50 per share, citing growing confidence in the Aegon UK acquisition, expected capital light growth and potential upside from cost and revenue synergies. Analyst Commentary Bullish analysts are pointing to the Aegon UK transaction and Standard Life's capital light model as key reasons for a more constructive view on the stock.
Narrative Update • Apr 30
SDLF: Higher Margins And Lower P/E Will Still Restrain Share Upside
Narrative Update on Standard Life Standard Life's analyst price targets have moved higher by roughly £0.70 to £0.71 per share, with analysts pointing to slightly firmer profit margin assumptions and a modestly lower forward P/E multiple as the key drivers of this reset. Analyst Commentary Recent research points to a tighter range of expectations around Standard Life, with price target resets framed around updated margin assumptions and revised P/E inputs.Narrative Update • Apr 16
SDLF: Higher Future P/E Assumptions Will Likely Constrain Post Rebrand Share Upside
Analysts have lifted the Standard Life price target to £6.20 from £6.05, reflecting updated assumptions around a higher discount rate, softer revenue and margin expectations, and a higher future P/E multiple in line with recent positive research on peers such as Phoenix Group. Analyst Commentary Recent research on Phoenix Group has been a key reference point for how the market is thinking about UK life insurers, including Standard Life.Recent updates
Narrative Update • Jun 02
SDLF: Capital Light Shift And Aegon Deal Will Shape Future Return Profile
Standard Life's analyst price target has been lifted from £6.20 to £9.50 per share, with analysts citing the expected benefits from the Aegon UK acquisition and the company's capital light growth profile as key drivers of the rerating. Analyst Commentary Recent Street research has focused on the impact of the Aegon UK transaction, the shift toward a capital light growth profile, and how these factors feed into Standard Life's valuation and execution risk.Narrative Update • May 15
SDLF: Capital Light Aegon UK Integration Will Support Future Re Rating
Analysts have lifted their price target for Standard Life from £6.20 to £9.50 per share, citing growing confidence in the Aegon UK acquisition, expected capital light growth and potential upside from cost and revenue synergies. Analyst Commentary Bullish analysts are pointing to the Aegon UK transaction and Standard Life's capital light model as key reasons for a more constructive view on the stock.Narrative Update • Apr 30
SDLF: Higher Margins And Lower P/E Will Still Restrain Share Upside
Narrative Update on Standard Life Standard Life's analyst price targets have moved higher by roughly £0.70 to £0.71 per share, with analysts pointing to slightly firmer profit margin assumptions and a modestly lower forward P/E multiple as the key drivers of this reset. Analyst Commentary Recent research points to a tighter range of expectations around Standard Life, with price target resets framed around updated margin assumptions and revised P/E inputs.Narrative Update • Apr 16
SDLF: Higher Future P/E Assumptions Will Likely Constrain Post Rebrand Share Upside
Analysts have lifted the Standard Life price target to £6.20 from £6.05, reflecting updated assumptions around a higher discount rate, softer revenue and margin expectations, and a higher future P/E multiple in line with recent positive research on peers such as Phoenix Group. Analyst Commentary Recent research on Phoenix Group has been a key reference point for how the market is thinking about UK life insurers, including Standard Life.Narrative Update • Apr 01
SDLF: Higher Sector P E Assumptions Will Support Re Rating
Analysts have lifted their average price target on Standard Life by £0.66 to reflect updated views on profitability, revised P/E assumptions, and sector research that has recently pushed Phoenix Group targets higher across several firms. Analyst Commentary Recent Street research on Phoenix Group, a key peer for Standard Life, has tilted more constructive, with several reports updating price targets and ratings.Narrative Update • Mar 18
SDLF: Lower Discount Rate And Higher P E Range Will Support Re Rating
Analysts have raised their fair value estimate for Standard Life from £8.80 to £9.18, citing updated assumptions on discount rates, more cautious expectations for revenue and profit margins, and a higher future P/E multiple in line with recent price target moves seen across peers such as Phoenix Group. Analyst Commentary Recent research on Phoenix Group provides a useful backdrop for how the market is thinking about life insurers, and it helps explain why some bullish analysts are comfortable assigning a higher fair value to Standard Life.Narrative Update • Mar 04
SDLF: Peer Repricing And Brand Shift Will Shape Future Return Profile
The analyst price target for Standard Life has been revised higher to £7.58 per share, with analysts pointing to modest adjustments in the discount rate, revenue trend assumptions, profit margin expectations, and future P/E estimates informed by recent sector research on Phoenix Group. Analyst Commentary Recent research on Phoenix Group is feeding into how analysts think about Standard Life, especially around long term cash generation, capital strength, and the sustainability of payout assumptions that sit behind the new £7.58 target.Narrative Update • Feb 18
PHNX: Higher P/E Expectations And Mixed Ratings Will Shape Future Return Profile
Analysts have lifted their price targets on Phoenix Group Holdings, with recent moves like a £0.66 and £0.15 increase from major firms supporting a higher fair value estimate of about £7.58 per share. This comes even as they factor in slightly softer revenue growth, a modestly lower discount rate, stable profit margins and a higher future P/E of around 8.85x.Narrative Update • Feb 04
PHNX: Future Earnings Multiple Compression Will Likely Limit Post Upgrade Share Upside
Analysts have nudged their price targets for Phoenix Group Holdings higher, with updated fair value estimates moving from £5.93 to £6.05 as they factor in slightly lower discount rates, a small improvement in expected revenue contraction, firmer profit margins, and a lower future P/E multiple supported by recent mixed rating actions from major banks. Analyst Commentary Recent research paints a mixed picture for Phoenix Group Holdings, with one major upgrade sitting alongside more cautious moves.Narrative Update • Jan 21
PHNX: Lower Discount Rate And Execution Assumptions Will Support Stronger Share Price
Analysts have nudged their average price target for Phoenix Group Holdings higher to £7.55 from £7.20, citing updated return and risk assumptions, including a slightly lower discount rate, adjusted expectations for revenue and margins, and a modestly lower future P/E multiple. Analyst Commentary Recent Street research around Phoenix Group Holdings has centered on how updated assumptions feed into valuation, especially around discount rates, revenue and margins, and the forward P/E used in models.Narrative Update • Jan 07
PHNX: Future Earnings Multiple Compression Will Likely Restrain Share Upside
Analysts have nudged their average price target for Phoenix Group Holdings slightly higher to £8.52 from £8.50, citing updated assumptions on fair value, discount rate, revenue trends, profit margin and future P/E levels. Analyst Commentary The small move in the average price target to £8.52 reflects fine tuning of valuation inputs rather than a major shift in conviction.Narrative Update • Dec 16
PHNX: Margin Gains And Cash Generation Will Support Stronger Share Price
Phoenix Group Holdings' analyst price target has inched up by GBP 0.02 to GBP 8.52 per share, as analysts point to improving profit margin expectations and a more attractive forward valuation, despite still-muted revenue growth. Analyst Commentary Bullish analysts are highlighting the recent uptick in the price target to 852 GBp per share as evidence that improving fundamentals are starting to be reflected in market expectations, even as near term revenue trends remain restrained.Narrative Update • Dec 02
PHNX: Adjusted Outlook And Cautious Optimism Will Influence Shareholder Returns
Analysts have raised their price target for Phoenix Group Holdings from £8.50 to £8.52, citing ongoing confidence in the company's financial outlook and future valuation metrics. Analyst Commentary Recent updates from the analyst community highlight both confidence and lingering caution regarding Phoenix Group Holdings’ growth prospects and operational execution.Narrative Update • Nov 18
PHNX: Profit Margin Gains And Improved Outlook Will Shape Long-Term Performance
Phoenix Group Holdings’ analyst price target was increased slightly by £0.02 to £8.52, as analysts cite improved profit margins and a marginally higher fair value estimate in their outlook. Analyst Commentary Analysts have provided updated perspectives on Phoenix Group Holdings following recent price target adjustments.Narrative Update • Sep 19
Digital Transformation Will Improve Customer Engagement And Efficiency
The upward revision in Phoenix Group Holdings’ price target reflects improved revenue growth forecasts, despite a rising future P/E, resulting in a new consensus fair value of £6.95. Valuation Changes Summary of Valuation Changes for Phoenix Group Holdings The Consensus Analyst Price Target has risen slightly from £6.79 to £6.95.Narrative Update • Sep 04
Digital Transformation Will Improve Customer Engagement And Efficiency
With both the future P/E ratio and net profit margin remaining stable, analysts maintained their fair value estimate for Phoenix Group Holdings at £6.79. Valuation Changes Summary of Valuation Changes for Phoenix Group Holdings The Consensus Analyst Price Target remained effectively unchanged, at £6.79.
New Narrative • Feb 09
Integrating Heritage And Open Divisions And Targeting £250 Million In Cost Savings Will Improve Operational Efficiency
Integration of divisions aims to streamline operations, enhancing customer experience and net margins through cost reduction and efficiency.Shareholder Returns
| SDLF | GB Insurance | GB Market | |
|---|---|---|---|
| 7D | -6.4% | -3.4% | -0.9% |
| 1Y | 17.0% | 15.2% | 18.0% |
Return vs Industry: SDLF exceeded the UK Insurance industry which returned 15.2% over the past year.
Return vs Market: SDLF underperformed the UK Market which returned 18% over the past year.
Price Volatility
| SDLF volatility | |
|---|---|
| SDLF Average Weekly Movement | 3.9% |
| Insurance Industry Average Movement | 4.2% |
| Market Average Movement | 5.7% |
| 10% most volatile stocks in GB Market | 12.0% |
| 10% least volatile stocks in GB Market | 3.2% |
Stable Share Price: SDLF has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: SDLF's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1782 | 5,519 | Andy Briggs | www.thephoenixgroup.com |
Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, and Europe & Other segments. The company offers defined contribution workplace pensions, retail savings for retirement, international bonds, and legacy savings and pension products; defined benefit pension income, income drawdown and lifetime annuities, fixed-term annuities, and smoothed managed funds.
Standard Life plc Fundamentals Summary
| SDLF fundamental statistics | |
|---|---|
| Market cap | UK£7.53b |
| Earnings (TTM) | -UK£472.00m |
| Revenue (TTM) | UK£28.96b |
0.3x
P/S Ratio-16.0x
P/E RatioIs SDLF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SDLF income statement (TTM) | |
|---|---|
| Revenue | UK£28.96b |
| Cost of Revenue | UK£26.89b |
| Gross Profit | UK£2.07b |
| Other Expenses | UK£2.54b |
| Earnings | -UK£472.00m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.47 |
| Gross Margin | 7.14% |
| Net Profit Margin | -1.63% |
| Debt/Equity Ratio | 582.9% |
How did SDLF perform over the long term?
See historical performance and comparisonDividends
7.5%
Current Dividend Yield-117%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/03 23:22 |
| End of Day Share Price | 2026/06/03 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
Standard Life plc is covered by 24 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Andrew Broadfield | Barclays |
| Larissa Van Deventer | Barclays |
| Claudia Gaspari | Barclays |