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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.
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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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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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