Standard Life plc SDLF.L
Composite 48/100; the shares have moved about 22% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 8/100 — a strong mark against it.
Growth ranks 98/100 — a strong point in its favour. Income ranks 94/100 — a strong point in its favour. Momentum ranks 82/100 — a strong point in its favour.
Balance-sheet strength ranks 8/100 — a strong mark against it. Quality ranks 12/100 — a strong mark against it.
What the company does Standard Life plc (SDLF.L) is a long-term savings and retirement specialist in Europe, offering workplace pensions, retail retirement savings, annuities, and legacy insurance products under brands such as Standard Life and ReAssure.
Key financials The company reports negative profitability metrics: ROE -22.3%, ROA 0.1%, ROCE -0.2%, with net margins at -1.5%. Revenue growth is strong at 127.9%, but EPS growth is flat at 0.0%. Debt levels are high, with a Debt/Equity ratio of 5.87 and Net debt/EBITDA of 10.97.
Stock health Sideravia scores the stock as attractively valued with positive momentum: Valuation 75.5, Momentum 77.4, and Income 96.7. However, quality and strength metrics are weak (Quality 22.0, Strength 30.2). The Piotroski F-Score is 6/9, and the Altman Z-score is 0.22, indicating elevated risk.
Price vs fair value The stock trades at a **PREMIUM of 3.01%** versus the 12-month analyst target of 877.76 and at a **discount of 12.80%** versus the fair-value estimate of 1020.84. - High dividend yield of 6.0% supports income appeal (Sideravia). - Strong 12-month momentum of 39.56% drives valuation support (Sideravia). - Weak profitability (ROE -22.3%) and high leverage (Debt/Equity 5.87) cap upside (Key Financials). - Analysts’ premium to target reflects cautious near-term expectations despite long-term potential.
Looking forward Forward P/E of 13.30 suggests moderate earnings expectations. Momentum remains positive, but profitability and leverage trends warrant close monitoring. Income investors may find the 6.0% yield attractive, though risk metrics remain elevated.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.