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Visual22 Oct 2025
Epiroc's cash spent on M&A
St. James's Place (STJ) investor relations material
St. James's Place Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary23 Oct, 2025
Executive summary
Gross inflows for Q3 2025 reached £5.7 billion, a 30% increase year-over-year, driven by strong demand for financial advice and high client engagement ahead of a new charging structure.
Net inflows for the quarter were £1.8 billion, up 98% compared to Q3 2024.
Funds under management (FUM) hit a record £212.4 billion at 30 September 2025, up 12% year-to-date and surpassing the £200 billion milestone.
Year-to-date investment returns represented 12% of opening FUM on an annualised basis.
Financial highlights
Year-to-date FUM retention rate (annualised) was 95.2%, up from 94.6% in the prior year.
Year-to-date net inflows as a percentage of opening FUM (annualised) were 3.9%, compared to 2.2% in 2024.
Implied surrender rate for Q3 2025 was 5.2%, slightly down from 5.3% in Q3 2024.
EEV net asset value per share at 30 September 2025 was approximately £18.72.
Outlook and guidance
Management expects Q4 flows may be less strong due to unseasonally high Q3 engagement and ongoing consumer uncertainty.
Advisers remain focused on supporting clients amid a challenging macroeconomic environment with soft growth and persistent inflation.
Q4 flow expectations post new charging structure
FUM growth: Inflows vs. investment returns
Explain the decline in alternative investments
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Frequently asked questions
St. James's Place plc is a UK-based wealth management company providing financial advice, investment management, and related services to individuals, families, and businesses. The company offers tailored solutions in areas such as retirement planning, tax-efficient investing, inheritance planning, and wealth protection. Its services are delivered through a network of financial advisers known as the St. James's Place Partnership. The company is headquartered in Cirencester, United Kingdom, and its shares are listed on the LSE (London Stock Exchange).
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