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St. James's Place (STJ) investor relations material
St. James's Place H1 2025 (Q&A) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 (Q&A) earnings summary31 Jul, 2025
Executive summary
Gross inflows reached £10.5bn in H1 2025, up 23% year-over-year, with net inflows doubling to £3.8bn and funds under management at a record £198.5bn as of June 2025.
Underlying post-tax cash result rose 17% to £240.4m, and IFRS profit after tax increased 69% to £279.5m compared to H1 2024.
High client retention at 95.3% and positive investment returns contributed to growth, supported by over one million clients and nearly 5,000 advisers.
Advanced key strategic initiatives: new charging structure launching August 2025, ongoing cost and efficiency programme, and review of historic client servicing records.
Released £84.5m from the Ongoing Service Evidence provision, with £63.4m post-tax to be returned to shareholders via buy-back.
Financial highlights
Net inflows doubled year-over-year to £3.8bn; gross inflows up 23% to £10.5bn.
Underlying cash result increased 17% to £240.4m; IFRS profit after tax up 69% to £279.5m.
EEV NAV per share rose 7% to £17.43; interim dividend of 6.00p per share and £95.5m share buy-back announced.
FUM retention rate improved to 95.3% from 94.6% year-over-year.
Cash result for H1 2025 was £299.2m, up 48% year-over-year, aided by provision release.
Outlook and guidance
New charging structure launches August 2025; margin guidance post-change at 43–45bps.
Expect a temporary dip in profitability for 2025–2026, with compounding earnings growth and aim to double underlying cash result by 2030.
Controllable expense growth budgeted at 5% for FY 2025; on track to deliver £100m annual cost savings by 2027.
Annual shareholder returns for 2025 and 2026 set at 50% of full-year underlying cash result, split between dividends and buy-backs.
Medium-term income growth expected as £51.1bn of gestation FUM matures over six years.
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Next St. James's Place earnings date
Q3 2025 TU23 Oct, 2025
Next St. James's Place earnings date
Q3 2025 TU23 Oct, 2025
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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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