St. James's Place plc
St. James's Place plc Fundamental Analysis
St. James's Place plc (STJPF) shows strong financial fundamentals with a PE ratio of 13.07, profit margin of 1.76%, and ROE of 37.33%. The company generates $29.9B in annual revenue with strong year-over-year growth of 36.90%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze STJPF's fundamental strength across five key dimensions:
Efficiency Score
WeakSTJPF struggles to generate sufficient returns from assets.
Valuation Score
ModerateSTJPF shows balanced valuation metrics.
Growth Score
ExcellentSTJPF delivers strong and consistent growth momentum.
Financial Health Score
ModerateSTJPF shows balanced financial health with some risks.
Profitability Score
ModerateSTJPF maintains healthy but balanced margins.
Key Financial Metrics
Is STJPF Expensive or Cheap?
P/E Ratio
STJPF trades at 13.07 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, STJPF's PEG of 3.29 indicates potential overvaluation.
Price to Book
The market values St. James's Place plc at 4.69 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 9.21 times EBITDA. This is generally considered low.
How Well Does STJPF Make Money?
Net Profit Margin
For every $100 in sales, St. James's Place plc keeps $1.76 as profit after all expenses.
Operating Margin
Core operations generate 4.37 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $37.33 in profit for every $100 of shareholder equity.
ROA
St. James's Place plc generates $0.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
St. James's Place plc generates limited operating cash flow of $1.06B, signaling weaker underlying cash strength.
Free Cash Flow
St. James's Place plc produces free cash flow of $1.06B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $2.03 in free cash annually.
FCF Yield
STJPF converts 15.55% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.29
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.69
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.23
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.37
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How STJPF Stacks Against Its Sector Peers
| Metric | STJPF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.07 | 18.50 | Better (Cheaper) |
| ROE | 37.33% | 809.00% | Weak |
| Net Margin | 1.76% | 2211.00% | Weak |
| Debt/Equity | 0.37 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 691.82 | Weak Liquidity |
| ROA | 0.24% | -24320.00% (disorted) | Weak |
STJPF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews St. James's Place plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
52.21%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
164.73%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-274.81%
Industry Style: Value, Dividend, Cyclical
Declining