Obermatt

Phoenix

LSE:PHNX · GB00BGXQNP29
InsuranceLarge

360

8
Profit price37
Owner Earnings Yield98
Dividend Yield89
Price/Sales57
EV / Gross Profit27
Price/Book1
Returns on capital
Profit margins1

Cash truth not applicable for financial companies.

Sales growth68
Profit Growth52
Long-Term EPS Growth63
Reinvestment60
Price momentum74
Debt load3
Debt serviceability1
Liquidity15
Analyst ratings26
Opinion Changes86
Price Target Upside50
Market mood25
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Phoenix clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUK
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeLSE
Founded2018
Employees3,006
ISINGB00BGXQNP29
Last UpdateApr 2, 2026

Description

Standard Life plc is a player in the UK retirement savings and income business, dedicated to helping individuals secure their financial futures. The company specializes in the management of legacy pensions and savings, providing an array of innovati…

Analysis

Weak and unloved

Standard Life plc is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
44
2023202420252026

All-time high

44

Jun 2026

All-time low

19

Jan 2023

Average rank

23

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
74
48
33
Price/Earnings
41
59
27
69
Price/Book
1
18
42
50
Dividend Yield
89
93
95
96
Value (overall)
30
59
47
61

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →