St. James's Place

STJ.L

Asset Management · Financial Services

Price

1,188.00 GBp

+25.00 (+2.15%)

Market Cap

£6.01B

Exchange

London Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Good

Cash Flow

Good

Stability

Exceptional

Valuation

Strong

Dividends

Weak

Track this stock — start free trial

Share count falling — buybacks

−1.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 546.2M (2021) → 537.8M (2025)

Winston Score History

The full picture

St. James's Place is a UK-based wealth management company. It helps everyday people manage and grow their money through financial advice, investment funds, and retirement planning services. The company is one of the largest wealth managers in the United Kingdom, serving hundreds of thousands of individual clients.

St. James's Place makes money by charging fees on the assets it manages for clients, which means the more money clients invest with them, the more revenue the company earns. It operates almost entirely in the UK, with a smaller presence in Asia, and manages over £160 billion in client funds. The company's main competitive advantage is its large network of self-employed financial advisers who build long-term personal relationships with clients, making it harder for customers to leave. A key risk is that the company has faced regulatory scrutiny over its fee structures, and ongoing pressure from UK regulators to improve transparency around charges could force changes to its business model.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+213.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+15.4% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

£0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£243.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

St. James's Place grew revenue 214% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

4.5%

Thin — 4.5% operating margin

Return on the money invested

ROCE

89.8%

Exceptional — 89.8% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

+162.7%

Fast-growing sales (+162.7% YoY)

Profit growth

EPS YoY

+13.7%

Earnings growing (+13.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

100%

Turns 100% of profit into real cash

Spare cash per sale

FCF Margin

1.2%

Thin free cash flow (1.2%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

0.27

Conservative — low debt load (0.27)

Covers its interest

Interest Cover

55.75x

Comfortably covers interest (55.7x)

Interest coverage above 8. Profits cover interest many times over.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

11.0x

Attractive valuation — P/E 11.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

1.01%

Small dividend — 1.01% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

-49.6%

Dividend cut (-49.6% YoY) — warning sign

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial