Standard Life plc

Standard Life plc

11.13
EUR
+0.14
(+1.27%)
Mar 22Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
14.78
17.6
1.79
22.11
13.59
-12.97
39.9
25.23
23.87
-23.53
16.69
19.5
27.73
- -
Basic EPS, GAAP
0.52
1.05
0.69
-0.31
-0.06
0.69
0.12
0.95
-0.84
-2.73
0.06
-1.09
-0.39
- -
Free Cash Flow per Basic Share
3.65
-12.81
-2.34
-5.78
2.57
-0.64
0.09
8
-1.02
0.87
-0.86
3.37
-0.86
- -
Dividend per Share
0.43
0.41
0.41
0.38
0.44
0.48
0.47
0.48
0.48
0.5
0.52
0.53
0.48
- -
Book Value per Share
6.49
8.04
8.26
7.63
7.21
7.84
7.32
7.54
6.26
3.71
3.24
1.71
0.74
0.74
Tangible Book Value per Share
-0.33
2.29
3.09
3.79
3.65
1.86
1.8
2.29
3.63
1.41
1.21
-0.08
-0.81
-0.81
Basic Weighted Avg Shares
277
294
293
328
437
551
720
844
998
999
1,001
1,001
1,148
1,158
Sales/Revenue/Turnover
4,098
5,178
525
7,253
5,938
-7,148
28,731
21,298
23,822
-23,503
16,703
19,515
31,842
- -
Operating Margin (%)
10.25
11.99
54.86
0.72
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
133
113
163
90
126
214
402
487
644
355
347
294
257
- -
Net Income, GAAP
145
310
201
-101
-27
379
85
798
-837
-2,724
56
-1,090
-443
- -
Effective Tax Rate (%)
9.7
6.55
- -
- -
- -
12.77
- -
11.65
- -
- -
- -
- -
- -
- -
Profit Margin (%)
3.54
5.99
38.29
-1.39
-0.45
-5.3
0.3
3.75
-3.51
11.59
0.34
-5.59
-1.39
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,359
1,762
1,998
1,193
1,778
2,186
2,203
4,651
4,324
3,999
3,867
3,583
3,119
3,119
Total Equity
2,687
3,278
3,004
3,333
3,155
5,949
5,593
7,872
6,721
4,237
3,785
2,246
1,292
1,292
Return on Invested Capital (%)
7.3
10.53
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.55
7.13
- -
- -
- -
7.22
- -
9.54
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.13
14.51
8.38
-3.5
-0.83
8.6
1.55
12.46
-12.14
-54.67
1.61
-44.1
-36.24
- -

Capital Structure

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
103
169
174
LT Borrowings
3,532
3,245
3,072
LT Finance Leases
51
52
47
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
998
999
1,002
Market Capitalization
- -
- -
- -

Working Capital

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9,453
9,977
7,302
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
103
169
174
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.65%
-29.08%
-42.48%
Free Cash Flow
847.92%
-223.97%
-129.45%
Net Income, GAAP
-315.33%
-437.46%
-59.36%
Sales/Revenue/Turnover
23.73%
-55.57%
63.17%
Total Cash Common Dividend
17.48%
6.53%
2.81%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
16,703
2024
- -
- -
19,515
2025
- -
- -
31,842

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.06
2024
- -
- -
-1.09
2025
- -
- -
-0.39

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.52
2024
- -
- -
0.53
2025
- -
- -
0.48

Company Description

CEO
Andrew David Briggs
Full Time Employees
5,519
Sector
Finance
Industry
Life/Health insurance
Address
20 Old Bailey London GL United Kingdom EC4M 7AN
IPO Date
Jul 10, 2006
Business
Standard Life plc is a retirement savings and income specialist that focuses on long-term savings, pensions, and related financial services. The company provides a comprehensive range of products and services designed to help individuals plan, save, and generate retirement income, including defined contribution workplace pensions, retail retirement savings products, annuities and retirement income solutions, protection products, and associated wealth management and advisory services. The business leverages its investment capabilities to deliver value to customers through risk-sharing, product design, and administration of retirement plans, with a focus on customer-centric outcomes and sustainable returns. Main products and services: retirement savings and pensions (defined contribution and defined benefit offerings; workplace and personal pensions; group schemes; retirement income solutions such as annuities and income drawdown), investment and wealth management products (unit-linked funds, single-premium and regular savings, investment products across multiple asset classes, risk management and governance services), protection products (life and income protection), customer support and advisory services (financial advice networks, intermediary support, pension consolidation guidance), with-profits products (with-profit funds and related guarantees where applicable), and related administration, governance, and compliance services for retirement schemes and savings products. Latest major company changes: strategic rebranding and corporate restructuring to align with a unified retirement-focused platform; partnerships and alliances within the broader retirement ecosystem to enhance customer outcomes and scale; updates to product lines and service offerings in response to regulatory and market dynamics; leadership and organizational realignments supporting the transition to a centralized retirement savings and income business; continued integration of brands within the group to preserve service continuity for SunLife, Phoenix Life, and associated entities under the new structure; and reorganizations designed to optimize distribution, administration, and governance across Europe. Additional context: industry is long-term savings, pensions, retirement solutions, and related protection products; business segments include Retirement Solutions, Pensions & Savings, With-Profits, SunLife & Protection, and Europe & Other; target markets include individual savers, workplace pension schemes, retirement income clients, and protection policyholders; geographic footprint covers the United Kingdom and Europe, with operations and servicing across multiple countries; founders and headquarters details reflect a legacy in the United Kingdom with a major presence in London; subsidiaries and brand relationships include SunLife, Phoenix Life, and ReAssure within the group structure, with parent-subsidiary relationships evolving through recent corporate activity. Industry positioning: the company emphasizes long-term retirement outcomes, customer trust, and a robust governance framework to manage retirement savings and income products, while expanding product capability, distribution networks, and customer support capabilities to address evolving retirement needs in its core markets.

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