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Standard Life plc
SDLF.L: LSELowest reading is at 7 out of 100. All scores are out of 100.
About The Company
CEO
Mr. Andrew David Briggs FIA, M.B.E.
Market Cap
8.96 Billion GBp
Sector
Financial Services
Website
https://www.standardlifeplc.comLast Update
27/09/2026, 09:17:48
Description
Standard Life plc operates in the long-term savings and retirement business in Europe.
Read More
Strongest readings
- ✔Cashflow and earnings growth is strong (growth score 100 out of 100)
Weakest readings
- ✘Income is not covering expenditure and investment (free cashflow -1.00 per share)
- ✘Priced well above the cashflow it produces (value score 7 out of 100)
- ✘Financial health is poor (health score 7 out of 100)
- ✘Debt is high at 2.55 times equity
- ✘The current price sits above estimated fair value (margin of safety -59.15%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings (TTM) | N/A | 19.60x | ||
| ✘ | Margin of safety (DCF) | -59.15% | 17.95% | |
| ✔ | Revenue growth (5y average) | 40.00% | 10.97% | |
| ✔ | Dividend yield (TTM) | 6.12% | 1.85% | |
| ✘ | Share count, per year | 0.10% | 0.00% | |
| ✘ | Return on capital employed | -4.36% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
7 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings | N/A | 19.60x | ||
| ✘ | Free cashflow yield | -11.20% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 693.45x | — | ||
| ✘ | Margin of safety | -59.15% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 365.24 GBp is below the current price of 894.00 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 7.6 GBp ✘
Current Price: 894 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
100 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 40.00% | 10.97% | |
| Earnings growth | N/A | 14.48% | ||
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
7 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Debt / equity | 2.55x | 0.80x | |
| ✔ | Debt / total capital | 0.72x | 1.00x | |
| Equity / assets | 0.39% | — | ||
| ✘ | Debt / free cashflow | 0.00x | 0.15x | |
| ✘ | Interest coverage | -0.62x | 2.50x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Income is not covering expenditure and investment (free cashflow -1.00 per share)
Dividend
44 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 6.12% | 1.85% | |
| ✔ | Dividend growth | 2.81% | 0.00% | |
| ✔ | Payout ratio (earnings) | -123.70% | 40.00% | |
| ✔ | Payout ratio (cashflow) | -54.64% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Financial health puts the dividend at risk (health score 7 out of 100)
Management
40 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | -34.29% | 15.00% | |
| ✘ | Return on capital employed | -4.36% | 10.00% | |
| Return on assets | -0.13% | — | ||
| Free cashflow return on capital | -26.33% | — | ||
| ✔ | Return on capital, 5y change | 5.85% | 0.00% | |
| ✘ | Share count, per year | 0.10% | 0.00% | |
| Share count, recent | N/A | 0.00% | ||
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 23.31% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 7 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
SDLF.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Standard Life plc
Currency
GBp
Beta
0.908
Vol Avg
1891614
Ceo
Mr. Andrew David Briggs FIA, M.B.E.
Cik
Cusip
Exchange
LSE
Full Time Employees
5519
Industry
Insurance - Life
Sector
Financial Services
Ipo Date
Address
20 Old Bailey
City
London
State
Country
United Kingdom
Zip
EC4M 7AN
Phone
44 203 5679100
Analysis Last Updated
27/09/2026, 09:17:48
Financial data compiled from SEC EDGAR filings and Yahoo Finance.