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

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.3

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-31.9

P25 n/aP50 n/aP75 n/a

ROIC-38.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BST/1BF indicators

Market & fundamental data

Available fields

186

Groups with data

Currency

GBP

Showing 186 of 186 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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%

Deeper analysis on BST/1BF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BST/1BF report

Is a complete BST/1BF research report available?

No complete published report is available for bst/1BF (BST/1BF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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