Standard Life PLC (SDLF) Fair Value & Analysis
Financial Services · GB · Market cap 8.8B GBX · ISIN GB00BGXQNP29
What is Standard Life PLC really worth?
Below-average quality, and trading another 25% above our fair value of £7.49.
Risks
For context
Fair value as of: Aug 22, 2026
From 6 valuation models · updated 14 days ago
Share price +0.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (£7.57). The favourable scenario is already priced in.
- Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The models converge in a tight band (£7.41 to £7.57), unusually little disagreement for a valuation.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 22, 2026.
How to read this chart
60‑month range £3.51 – £9.42 · fair‑value band £7.41 – £7.57 · the £9.33 price screens above the £7.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 22, 2026.
Analysis
Standard Life PLC (SDLF) currently trades at £9.33, while our model-based Fair Value estimate is £7.49, implying the stock looks roughly 24.5% overvalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of £4.48 per share, and 0 of the 6 models we run sit above the £9.33 price. Bear case: the Earnings-Based group reads lowest at £4.33, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Standard Life PLC generated revenue of £29.0B at a net margin of −1.5%. Revenue grew 127.9% year over year. It earns a return on equity of −22.3%. The balance sheet holds a net cash position of £7.2B. Fundamentals as of Aug 22, 2026
Our scenario range runs from £7.41 (bear case) to £7.57 (bull case); at £9.33, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −20%, SDLF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (£4.48) versus Asset-Based (£0.4900). Highest evidence: EPV (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 84
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, and Europe & Other segments.
Full company description
Standard Life plc operates in the long-term savings and retirement business in Europe. It operates through Retirement Solutions, Pensions & Savings, With-Profits, and Europe & Other segments. The company offers defined contribution workplace pensions, retail savings for retirement, international bonds, and legacy savings and pension products; defined benefit pension income, income drawdown and lifetime annuities, fixed-term annuities, and smoothed managed funds. It also offers new and in-force individual annuity and pension risk transfer contracts written within shareholder funds; U.K. individual annuity; workplace pensions and self-invested personal pensions; new and in-force insurance and investment unit-linked products; and protection products. The company offers its products under the Standard Life, SunLife, Phoenix Life, Phoenix Wealth, Phoenix Corporate Investment Services, and ReAssure brands. Standard Life plc was formerly known as Phoenix Group Holdings plc and changed its name to Standard Life plc in February 2026. The company was founded in 1782 and is based in London, the United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Standard Life PLC reported revenue of £31.8B in FY2025 versus £10.3B in FY2021, a compound +32.5%/yr. Reported net income was −£443M in FY2025.
SDLF screens 25% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 96 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 22, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$59.80 | C$38.80 | −35% |
| Aflac Incorporated AFL | $116.52 | $74.34 | −36% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $96.51 | $68.27 | −29% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
| Samsung Life Insurance Co 032830 | 301,000 KRW | 191,293 KRW | −36% |
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