St. James's Place plc (STJ.L) stock analysis

In our weekly check, St. James's Place plc is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 5.

About St. James's Place plc

St. James's Place plc is a Financial Services company (Asset Management) based in the United Kingdom, listed on LSE as STJ.L.

What our checks show for STJ.L

Red flags

• The gross margin fell by 2.6 points, to 12.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 49.1% a year.
• The net margin is only 1.8%: little room if costs rise.
• The stock has fallen as much as 77% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 0.7%.

Warning signs

• Free cash flow is only 3.5% of revenue.
• The price swings a lot: 36.2% annual volatility. Expect large ups and downs.
• The stock is still below its previous peak.

Strengths

• Net debt is only 0.2x a year of EBITDA: the balance sheet has room.
• Operating profit covers interest 60.1 times over.
• The net margin rose by 0.2 points over 5 years, to 1.8%.
• Operating cash flow is 2.01x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 10.3% a year over the next years.
• Analysts expect the net margin to improve by 16.6 points from today's 1.8%.

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Questions

What grade does St. James's Place plc (STJ.L) have?

In our weekly check, St. James's Place plc is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of STJ.L stock?

This week's biggest flags for St. James's Place plc: Gross margin falling, Weak revenue forecast, Thin margins. In total 8 of 24 checks show a warning or a red flag.

What does St. James's Place plc do?

St. James's Place plc is a Financial Services company (Asset Management) based in the United Kingdom, listed on LSE as STJ.L.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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