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BST/1BF (BST/1BF)

Stuttgart Stock Exchange: BST/1BF · EUR

€11.0

+0.13 (+1.2%)· Recorded snapshot

Market cap	11B
Revenue (ttm)	47B
Net income (ttm)	-572.5M
EPS (ttm)	-€0.59
P/E (forward)	12.3x
Dividend	€0.65 (5.88%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 47B
Net income (ttm): -572.5M
EPS (ttm): -€0.59
P/E (forward): 12.3x
Market cap: 11B

Metric	Value
Amount currency	EUR
Country	United Kingdom
Country code	DE
Earnings date	2026-11-06
Employees	5,519
Employees change	-777
Employees growth	-10.02%
Enterprise value	EUR 6.1B
Exchange	Stuttgart Stock Exchange
Financial currency	GBP
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1782
Industry	Insurance - Life
Is primary listing	No
ISIN number	GB00BGXQNP29
Last earnings date	2026-09-07
Last refreshed	2026-10-28
Market cap	EUR 11B
Next earnings date	2026-11-06
Price	EUR 11.04
Price currency	EUR
Sector	Financials
SIC code	6311
Stock price date	2026-10-27
Symbol	bst/1BF
Website	https://www.standardlifeplc.com

Metric

Value

Amount currency

EUR

Country

United Kingdom

Country code

Earnings date

2026-11-06

Employees

5,519

Employees change

-777

Employees growth

-10.02%

Enterprise value

EUR 6.1B

Exchange

Stuttgart Stock Exchange

Financial currency

GBP

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1782

Industry

Insurance - Life

Is primary listing

ISIN number

GB00BGXQNP29

Last earnings date

2026-09-07

Last refreshed

2026-10-28

Market cap

EUR 11B

Next earnings date

2026-11-06

Price

EUR 11.04

Price currency

EUR

Sector

Financials

SIC code

6311

Stock price date

2026-10-27

Symbol

bst/1BF

Website

https://www.standardlifeplc.com

Metric	Value
Earnings yield	-5.32%
EV/EBIT	14.63x
EV/EBITDA	14.23x
EV/Sales	0.13x
FCF / EV yield	-18.53%
FCF yield	-10.31%
Forward P/E	12.32x
P/B ratio	11.54x
P/S ratio	0.23x
Price/EBITDA ratio	26.97x
Sector forward P/E	11.95x
Sector P/E	12.95x

Metric

Value

Earnings yield

-5.32%

EV/EBIT

14.63x

EV/EBITDA

14.23x

EV/Sales

0.13x

FCF / EV yield

-18.53%

FCF yield

-10.31%

Forward P/E

12.32x

P/B ratio

11.54x

P/S ratio

0.23x

Price/EBITDA ratio

26.97x

Sector forward P/E

11.95x

Sector P/E

12.95x

Metric	Value
EBIT margin	0.87%
EBITDA margin	0.87%
Effective tax rate	497.14%
Gross margin	6.32%
Operating margin	0.87%
Pretax margin	0.26%
Profit margin	-1.15%
Profit per employee	EUR -103,740
Revenue per employee	EUR 8.5M
ROA	0.07%
ROA (5Y)	-0.14%
ROCE	0.27%
ROE	-31.89%
ROE (5Y)	-22.78%
ROIC	-38.39%
ROIC (5Y)	-20.21%
SBC / revenue	0.06%
Tax / revenue	1.29%

Metric

Value

EBIT margin

0.87%

EBITDA margin

0.87%

Effective tax rate

497.14%

Gross margin

6.32%

Operating margin

0.87%

Pretax margin

0.26%

Profit margin

-1.15%

Profit per employee

EUR -103,740

Revenue per employee

EUR 8.5M

ROA

0.07%

ROA (5Y)

-0.14%

ROCE

0.27%

ROE

-31.89%

ROE (5Y)

-22.78%

ROIC

-38.39%

ROIC (5Y)

-20.21%

SBC / revenue

0.06%

Tax / revenue

1.29%

Metric	Value
EPS growth years	1
FCF growth (Q)	1.32%
Net income growth years	1
OCF growth (Q)	2.36%
Revenue growth	131.33%
Revenue growth (Q)	134.94%
Revenue growth (QoQ)	-1.54%
Revenue growth 10Y	24.21%
Revenue growth 3Y	50.98%
Revenue growth 5Y	6.91%
Revenue growth quarters	2
Revenue growth years	1

Metric

Value

EPS growth years

FCF growth (Q)

1.32%

Net income growth years

OCF growth (Q)

2.36%

Revenue growth

131.33%

Revenue growth (Q)

134.94%

Revenue growth (QoQ)

-1.54%

Revenue growth 10Y

24.21%

Revenue growth 3Y

50.98%

Revenue growth 5Y

6.91%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -12.8M
EBIT	EUR 407.6M
EBITDA	EUR 408.8M
EPS	EUR -0.59
Financing cash flow	EUR -1.8B
Free cash flow	EUR -1.1B
Free cash flow minus SBC	EUR -1.2B
Gross profit	EUR 3B
Income taxes	EUR 606.2M
Investing cash flow	EUR -18.6M
Net borrowing	EUR -835.4M
Net cash flow	EUR -2.9B
Net income	EUR -572.5M
Operating cash flow minus SBC	EUR -1.2B
Operating income	EUR 407.6M
Revenue	EUR 47B
Stock-based compensation	EUR 30.2M

Metric

Value

Capital expenditures

EUR -12.8M

EBIT

EUR 407.6M

EBITDA

EUR 408.8M

EPS

EUR -0.59

Financing cash flow

EUR -1.8B

Free cash flow

EUR -1.1B

Free cash flow minus SBC

EUR -1.2B

Gross profit

EUR 3B

Income taxes

EUR 606.2M

Investing cash flow

EUR -18.6M

Net borrowing

EUR -835.4M

Net cash flow

EUR -2.9B

Net income

EUR -572.5M

Operating cash flow minus SBC

EUR -1.2B

Operating income

EUR 407.6M

Revenue

EUR 47B

Stock-based compensation

EUR 30.2M

Metric	Value
Book value per share	EUR -0.25
Debt / EBITDA	7.78
Debt / equity	3.41
Interest coverage	1.38
Net cash (debt)	EUR 5.4B
Net cash / market cap	48.9%
Net cash growth	-28.71%
Net debt / EBITDA	-13.19
Net debt / equity	-5.64
Piotroski F-Score	3
Property, plant and equipment	EUR 93.1M
Shareholders' equity	EUR 955.8M
Tangible book value	EUR -1.4B
Tangible book value per share	EUR -1.93
Total assets	EUR 409B
Total cash	EUR 8.7B
Total debt	EUR 3.3B
Total liabilities	EUR 408.1B

Metric

Value

Book value per share

EUR -0.25

Debt / EBITDA

7.78

Debt / equity

3.41

Interest coverage

1.38

Net cash (debt)

EUR 5.4B

Net cash / market cap

48.9%

Net cash growth

-28.71%

Net debt / EBITDA

-13.19

Net debt / equity

-5.64

Piotroski F-Score

Property, plant and equipment

EUR 93.1M

Shareholders' equity

EUR 955.8M

Tangible book value

EUR -1.4B

Tangible book value per share

EUR -1.93

Total assets

EUR 409B

Total cash

EUR 8.7B

Total debt

EUR 3.3B

Total liabilities

EUR 408.1B

Metric	Value
Asset turnover	0.12
Current ratio	0.16
Net working capital	EUR -228.1B
Quick ratio	0.05
Working capital	EUR -219.5B

Metric

Value

Asset turnover

0.12

Current ratio

0.16

Net working capital

EUR -228.1B

Quick ratio

0.05

Working capital

EUR -219.5B

Metric	Value
Buyback yield / dilution	-0.05%
Dividend growth	1.37%
Dividend growth (3Y)	2.87%
Dividend growth (5Y)	2.76%
Dividend growth years	5
Dividend payment date	2026-10-29
Dividend payment years	9
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 0.65
Dividend yield	5.88%
Ex-dividend date	2026-09-24
Last dividend	EUR 0.33
Shareholder yield	5.83%

Metric

Value

Buyback yield / dilution

-0.05%

Dividend growth

1.37%

Dividend growth (3Y)

2.87%

Dividend growth (5Y)

2.76%

Dividend growth years

Dividend payment date

2026-10-29

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

EUR 0.65

Dividend yield

5.88%

Ex-dividend date

2026-09-24

Last dividend

EUR 0.33

Shareholder yield

5.83%

Metric	Value
150-day SMA	EUR 9.87
1D price change	1.19%
1M price change	4.84%
1M total return	4.84%
1W price change	1.47%
1W total return	1.47%
1Y price change	48.39%
1Y return CAGR	59.07%
1Y total return	59.02%
20-day SMA	EUR 10.49
200-day SMA	EUR 9.51
3M price change	3.76%
3M total return	7%
3Y price change	116.47%
3Y return CAGR	41%
3Y total return	180.4%
50-day SMA	EUR 10.71
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 11.40
52-week high date	2026-09-21
52-week low	EUR 7.30
52-week low date	2025-11-21
5Y price change	42.89%
5Y return CAGR	17.33%
5Y total return	122.36%
6M price change	25.6%
6M total return	29.52%
All-time high	EUR 11.40
All-time high date	2026-09-21
All-time low	EUR 5.00
All-time low date	2020-03-19
Average true range (ATR)	EUR 0.27
Average volume	628.6
Change from 52-week high	-3.16%
Change from 52-week low	51.23%
Change from all-time high	-3.16%
Change from all-time low	121.02%
Change from open	1.1%
Day's gap	0.09%
High price	EUR 11.09
Low price	EUR 10.89
Monthly RSI	71.66
Open price	EUR 10.92
Position in 52-week range	75%
Previous close	EUR 10.91
Price vs 150-day SMA	11.82%
Price vs 20-day SMA	5.2%
Price vs 200-day SMA	16.06%
Price vs 50-day SMA	3.07%
Relative volume	0.95
RSI	60.51
Sharpe ratio	1.64
Sharpe ratio (3Y)	0.88
Sortino ratio	2.6
Sortino ratio (3Y)	1.48
Weekly RSI	65.65
YTD price change	33.17%
YTD total return	42.72%

Metric

Value

150-day SMA

EUR 9.87

1D price change

1.19%

1M price change

4.84%

1M total return

4.84%

1W price change

1.47%

1W total return

1.47%

1Y price change

48.39%

1Y return CAGR

59.07%

1Y total return

59.02%

20-day SMA

EUR 10.49

200-day SMA

EUR 9.51

3M price change

3.76%

3M total return

3Y price change

116.47%

3Y return CAGR

41%

3Y total return

180.4%

50-day SMA

EUR 10.71

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 11.40

52-week high date

2026-09-21

52-week low

EUR 7.30

52-week low date

2025-11-21

5Y price change

42.89%

5Y return CAGR

17.33%

5Y total return

122.36%

6M price change

25.6%

6M total return

29.52%

All-time high

EUR 11.40

All-time high date

2026-09-21

All-time low

EUR 5.00

All-time low date

2020-03-19

Average true range (ATR)

EUR 0.27

Average volume

628.6

Change from 52-week high

-3.16%

Change from 52-week low

51.23%

Change from all-time high

-3.16%

Change from all-time low

121.02%

Change from open

1.1%

Day's gap

0.09%

High price

EUR 11.09

Low price

EUR 10.89

Monthly RSI

71.66

Open price

EUR 10.92

Position in 52-week range

75%

Previous close

EUR 10.91

Price vs 150-day SMA

11.82%

Price vs 20-day SMA

5.2%

Price vs 200-day SMA

16.06%

Price vs 50-day SMA

3.07%

Relative volume

0.95

RSI

60.51

Sharpe ratio

1.64

Sharpe ratio (3Y)

0.88

Sortino ratio

2.6

Sortino ratio (3Y)

1.48

Weekly RSI

65.65

YTD price change

33.17%

YTD total return

42.72%

Metric	Value
Float	884.9M
Shares change (QoQ)	0.4%
Shares change (YoY)	0.05%
Shares held by insiders	0.11%
Shares held by institutions	87.39%

Metric

Value

Float

884.9M

Shares change (QoQ)

0.4%

Shares change (YoY)

0.05%

Shares held by insiders

0.11%

Shares held by institutions

87.39%

BST/1BF (BST/1BF)

Price

Financial snapshot

Fair-value bridge

Latest news · BST/1BF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BST/1BF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BST/1BF

Frequently asked questions