# St. James Place Capital Plc. (STJ.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Capital Markets. Price 1128p, market value 5.6 billionp.

## Valuation
- **P/E (trailing): 10.5×** (5-yr avg 1824.5×, 3-yr avg 1293.5×). St. James Place Capital Plc. trades at 10.5× trailing earnings, well below its own five-year average of 1824.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.6×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.1×**. Each dollar of revenue is priced at 0.1×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 3.7×**. The shares trade at 3.7× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 2.4×**. Enterprise value is 2.4× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 7.2%** (5-yr avg -0.0%). Free cash flow equals 7.2% of the market value, above its five-year average of -0.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.5%**. The inverse of the P/E: 9.5% of the price is earned each year.

## Profitability
- **Gross margin: 50.2%**. St. James Place Capital Plc. keeps 50.2% of revenue after the direct cost of what it sells.
- **Operating margin: 4.2%**. 4.2% of revenue is left after running the business, which leaves little cushion in a downturn.
- **Return on equity: 35.9%**. 35.9% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 69.1%**. Return on all capital, debt included, is 69.1%: comfortably above what that capital costs.
- **Return on assets: 0.4%**. Each dollar of assets produces 0.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -99.8%** (5-yr -62.0%/yr). Revenue fell 99.8% over the last year, against -62.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 35.6%** (3-yr 10.2%/yr, 5-yr 15.1%/yr). Earnings per share rose 35.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: 330 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.55%** (0p per share, trailing). St. James Place Capital Plc. yields 1.55%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%** (43% of free cash flow). 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -2.1%/yr** (1-yr 28.6%). The dividend has not grown over five years.
- **Shareholder yield: 6.7%**. Dividends plus net buybacks return 6.7% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (15 analysts). 15 analysts cover St. James Place Capital Plc.; the consensus is buy, with an average price target of 1662p (+47% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -4.6%** (YTD -16.4%, 3-mo -2.6%). The shares are down 4.6% over twelve months including dividends.
- **From 52-week high: -28.4%** (8.5% above the low). Trading 28% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): 1.45** (volatility 35%). Beta of 1.45 against the FTSE All-Share: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=STJ.L · Page: https://foliofundamentals.com/stocks/stj.l

Not investment advice.