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Standard Life plc
(LSE:SDLF)
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Rating:59Neutral
Price Target:
864.00 p
▲(13.45% Upside)
Action:Reiterated
Date:06/25/26
The score is held back primarily by weak and inconsistent fundamentals, including ongoing losses and a sharp reversal to negative operating/free cash flow in 2025, despite improved leverage. Offsetting this, the technical picture is strong with a sustained uptrend and positive momentum, and valuation is supported by a high dividend yield, though the negative P/E underscores profitability risk.
Positive Factors
Improved leverage
A material reduction in total debt in 2025 meaningfully lowers solvency and refinancing risk, improving financial flexibility. This durable improvement supports capacity for strategic investments, capital returns or buffer against underwriting shocks over the next several quarters.
Negative Factors
Inconsistent profitability
Consecutive losses in 2024 and 2025 and negative margins indicate persistent earnings weakness. This reduces retained earnings, impairs the ability to rebuild equity, and undermines long-term capital generation needed for underwriting growth or risk absorption.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
A material reduction in total debt in 2025 meaningfully lowers solvency and refinancing risk, improving financial flexibility. This durable improvement supports capacity for strategic investments, capital returns or buffer against underwriting shocks over the next several quarters.
Read all positive factors
Standard Life plc (SDLF) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£8.54B
Dividend Yield7.48%
Average Volume (3M)3.39M
Price to Earnings (P/E)―
Beta (1Y)1.17
Revenue Growth48.90%
EPS Growth57.89%
CountryUK
Employees5,519
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)-0.47
Shares Outstanding1,006,724,240
10 Day Avg. Volume2,873,473
30 Day Avg. Volume3,389,303
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)10.00
Price to Sales (P/S)0.40
P/FCF Ratio-7.36
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£836.29Price Target Upside9.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)0.63
Revenue Forecast (FY)£6.64B
Standard Life plc Business Overview & Revenue Model
Company Description
Standard Life plc, a long-established financial services firm founded in 1782 and headquartered in London, United Kingdom, specializes in providing long-term savings and retirement solutions throughout Europe. Its operations are organized into key...
Standard Life plc Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
55
Neutral
Cash Flow
42
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 18.24B | 17.01B | 15.64B | 30.87B | 10.34B |
| Gross Profit | 18.24B | 14.45B | 15.64B | 23.17B | 2.28B |
| EBITDA | 313.00M | -870.00M | 549.00M | -3.85B | -168.00M |
| Net Income | -443.00M | -1.09B | 56.00M | -2.72B | -837.00M |
Balance Sheet | |||||
| Total Assets | 332.24B | 307.86B | 299.31B | 281.04B | 327.77B |
| Cash, Cash Equivalents and Short-Term Investments | 7.30B | 9.45B | 7.22B | 8.84B | 9.11B |
| Total Debt | 59.00M | 4.23B | 3.88B | 4.65B | 4.82B |
| Total Liabilities | 330.95B | 305.61B | 295.77B | 276.80B | 318.94B |
| Stockholders Equity | 738.00M | 1.71B | 2.99B | 3.71B | 5.82B |
Cash Flow | |||||
| Free Cash Flow | -1.00B | 3.34B | -863.00M | 866.00M | -1.26B |
| Operating Cash Flow | -993.00M | 3.37B | -863.00M | 866.00M | -1.26B |
| Investing Cash Flow | -10.00M | -29.00M | -20.00M | 0.00 | 304.00M |
| Financing Cash Flow | -1.18B | -1.08B | -769.00M | -1.18B | -857.00M |
Standard Life plc Technical Analysis
Positive
761.60
Price Trends
792.34
Positive
747.15
Positive
709.01
Positive
Market Momentum
21.77
Negative
71.92
Negative
87.42
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SDLF, the sentiment is Positive. The current price of 761.6 is below the 20-day moving average (MA) of 828.45, below the 50-day MA of 792.34, and above the 200-day MA of 709.01, indicating a bullish trend. The MACD of 21.77 indicates Negative momentum. The RSI at 71.92 is Negative, neither overbought nor oversold. The STOCH value of 87.42 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SDLF.
Standard Life plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | £25.16B | 8.78 | 26.87% | 1.56% | 61.45% | 78.24% | |
61 Neutral | £6.37B | 12.64 | 37.33% | 1.06% | 16.71% | 36.78% | |
59 Neutral | £8.54B | -18.49 | -41.76% | 7.48% | 48.90% | 57.89% | |
53 Neutral | £776.31M | -6.19 | -2.43% | 8.03% | -40.13% | -369.64% | |
52 Neutral | £8.10B | 27.71 | 9.49% | 7.09% | 52.52% | ― | |
48 Neutral | £15.69B | 49.67 | 15.89% | 8.29% | 53.06% | 191.61% |
* Financial Sector Average
GB:SDLF
Standard Life plc
869.00
275.37
46.39%
GB:CSN
Chesnara
335.00
95.46
39.85%
GB:LGEN
Legal & General
290.10
57.64
24.80%
GB:PRU
Prudential
1,028.00
126.64
14.05%
GB:STJ
St. James's Place
1,263.50
56.40
4.67%
GB:MNG
M&G Plc
345.80
106.26
44.36%
Standard Life plc Corporate Events
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life COO Exercises Deferred Bonus Share Options and Sells Stock to Cover Tax
Neutral
Jun 17, 2026
Standard Life plc disclosed that Group Chief Operating Officer Jacqueline Noakes has exercised 14,531 nil-cost options over ordinary shares granted under the company’s Deferred Bonus Share Scheme linked to the 2022 financial year bonus. As p...
Business Operations and StrategyPrivate Placements and Financing
Standard Life Completes Full Redemption of £250m Tier 3 Notes
Positive
Jun 15, 2026
Standard Life plc has completed another step in its ongoing debt redemption programme, underscoring continued efforts to optimise its capital structure. The company has fully redeemed its £250 million 4.016 per cent Tier 3 subordinated notes ...
Business Operations and StrategyRegulatory Filings and Compliance
Standard Life Reports Stable Use of Shares in Employee Incentive Schemes
Positive
Jun 12, 2026
Standard Life plc has reported its latest six-month block listing return for its employee share schemes, covering the period from 12 December 2025 to 11 June 2026. Under the ShareSave Scheme, 467,284 shares were issued, reducing the balance of una...
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life discloses PDMR share option exercises by senior executive
Neutral
Jun 8, 2026
Standard Life has disclosed that Group Chief People Officer Sara Thompson exercised nil-cost options granted under the company’s Long Term Incentive Plan and Deferred Bonus Share Scheme. The options related to awards from 2021 and 2023, whic...
Business Operations and StrategyRegulatory Filings and Compliance
Standard Life discloses executive participation in monthly share incentive plan
Positive
Jun 5, 2026
Standard Life plc reported its latest monthly transactions under the company’s Share Incentive Plan, in which Computershare Trustees purchased ordinary shares on behalf of participating employees at 760.500 pence per share. The scheme allows...
Business Operations and StrategyPrivate Placements and Financing
Standard Life Advances Debt Programme with Early Redemption of $350m Tier 2 Notes
Positive
Jun 4, 2026
Standard Life plc has completed the early redemption of its U.S.$350 million Fixed Rate Reset Tier 2 Notes due 2031, repaying them at par together with accrued interest. The move represents a further step in the group’s ongoing debt redempti...
Regulatory Filings and Compliance
Standard Life Confirms Total Voting Rights and Share Capital
Neutral
Jun 1, 2026
Standard Life plc has confirmed that, as of 29 May 2026, its issued share capital consists of 1,006,654,579 ordinary shares with a nominal value of 10 pence each, and the company holds no shares in treasury. Each ordinary share carries one vote, g...
Regulatory Filings and Compliance
Standard Life discloses PDMR share dealings by corporate affairs chief
Neutral
May 29, 2026
Standard Life plc has disclosed share transactions involving Claire Hawkins, its Director of Corporate Affairs and Chief of Staff, and her person closely associated, Steven Hawkins, in line with UK Market Abuse Regulation. On 28 May 2026, Claire H...
DividendsRegulatory Filings and Compliance
Standard Life discloses executive dividend share awards under incentive plan
Neutral
May 22, 2026
Standard Life plc has disclosed that its Share Incentive Plan trustee, Computershare Trustees Limited, purchased ordinary shares on 20 May 2026 at 788.510 pence per share under the plan’s Dividend Reinvestment Plan. The transaction, reported...
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life grants CEO long-term incentive award tied to performance
Neutral
May 19, 2026
Standard Life plc has granted its Group Chief Executive Officer, Andrew Briggs, a nil-cost stock option award over 562,702 ordinary shares under the Standard Life Incentive Plan. The award, priced using the average market share price of £6.69...
Executive/Board Changes
Standard Life refreshes senior independent and sustainability leadership on board
Neutral
May 15, 2026
Standard Life plc has announced a series of board changes, with long-serving Group Senior Independent Non-Executive Director Karen Green set to retire from the board on 30 June 2026 after nine years of service. Green also steps down as chair of th...
Business Operations and StrategyStock BuybackDividendsShareholder Meetings
Standard Life wins strong shareholder backing at 2026 AGM
Positive
May 14, 2026
Standard Life shareholders approved all 26 resolutions at the company’s Annual General Meeting in London on 14 May 2026, with strong majorities backing the annual report, directors’ remuneration report and policy, and the election or r...
Regulatory Filings and Compliance
Standard Life discloses routine executive share purchases under incentive plan
Neutral
May 6, 2026
Standard Life has reported routine director and senior management share dealings under its Share Incentive Plan, in line with UK Market Abuse Regulation disclosure rules. Computershare Trustees purchased ordinary shares on behalf of participating ...
Business Operations and Strategy
Standard Life to Call US$350m Tier 2 Notes Ahead of 2031 Maturity
Neutral
May 5, 2026
Standard Life plc has announced it will redeem in full its outstanding U.S.$350m Fixed Rate Reset Tier 2 Notes due 2031, originally issued in a U.S.$500m programme, exercising an issuer call option embedded in the bond terms. The notes will be red...
Regulatory Filings and Compliance
Standard Life Confirms Updated Share Capital and Voting Rights Total
Neutral
May 1, 2026
Standard Life plc has confirmed that, as of 30 April 2026, its issued share capital consists of 1,006,635,476 ordinary shares with a nominal value of 10 pence each, and the company holds no shares in treasury, meaning every issued share carries on...
Business Operations and StrategyM&A Transactions
Standard Life to acquire Aegon UK in £2bn deal to create retirement giant
Positive
Apr 15, 2026
Standard Life has agreed to acquire Aegon UK, the UK insurance and pensions arm of Aegon Europe, for £2.0 billion in a cash, debt and share deal that will make Aegon a 15.3% strategic shareholder and asset management partner. The transaction ...
Regulatory Filings and Compliance
Standard Life Executives Acquire Shares Under Ongoing Incentive Plan
Neutral
Apr 8, 2026
Standard Life plc disclosed routine share transactions by senior executives under its Share Incentive Plan, in line with UK Market Abuse Regulation. Under the plan, eligible employees buy partnership shares from salary, which the company matches o...
Regulatory Filings and ComplianceShareholder Meetings
Standard Life Dispatches 2025 Report and Sets Date for 2026 AGM
Neutral
Apr 7, 2026
Standard Life has distributed its 2025 Annual Report and Accounts, along with the notice and proxy form for its 2026 Annual General Meeting, to shareholders. These materials outline key governance and reporting information for investors ahead of t...
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life Discloses Executive Share Option Exercises and Insider Transfer
Neutral
Apr 1, 2026
Standard Life has disclosed transactions by senior management under its long-term incentive and deferred bonus schemes, in line with UK market abuse regulations. Director of Corporate Affairs Brand Claire Hawkins exercised nil-cost options grante...
Regulatory Filings and Compliance
Standard Life Confirms Share Capital and Voting Rights Total
Neutral
Apr 1, 2026
Standard Life plc has confirmed that its issued share capital as at 31 March 2026 consists of 1,006,459,168 ordinary shares with a nominal value of 10 pence each. Each ordinary share carries one vote on a poll, and the company holds no shares in t...
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life grants performance-linked share awards to senior leadership
Neutral
Mar 31, 2026
Standard Life has granted senior executives share-based awards under its 2018 Deferred Bonus Share Scheme and Long Term Incentive Plan, using a reference price of £6.698 per ordinary share. The nil-cost options, awarded to the chief executive...
Executive/Board ChangesRegulatory Filings and Compliance
Standard Life executives exercise incentive plan options and sell shares
Neutral
Mar 27, 2026
Standard Life has disclosed that Group Chief Executive Officer Andrew Briggs and Group General Counsel Quentin Zentner have exercised nil-cost options over ordinary shares under the company’s Long Term Incentive Plan and Deferred Bonus Share...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.