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Also traded in: Germany, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 196.74
SLFPY's Cash to Debt is ranked higher than
60% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.41 vs. SLFPY: 196.74 )
Ranked among companies with meaningful Cash to Debt only.
SLFPY' s Cash to Debt Range Over the Past 10 Years
Min: 0.39  Med: 3.70 Max: 321.73
Current: 196.74
0.39
321.73
Equity to Asset 0.02
SLFPY's Equity to Asset is ranked lower than
96% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. SLFPY: 0.02 )
Ranked among companies with meaningful Equity to Asset only.
SLFPY' s Equity to Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.02 Max: 0.03
Current: 0.02
0.02
0.03
Interest Coverage 6.18
SLFPY's Interest Coverage is ranked lower than
71% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.84 vs. SLFPY: 6.18 )
Ranked among companies with meaningful Interest Coverage only.
SLFPY' s Interest Coverage Range Over the Past 10 Years
Min: 1.01  Med: 7.06 Max: 57.12
Current: 6.18
1.01
57.12
F-Score: 3
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 6.56
SLFPY's Operating margin (%) is ranked lower than
63% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.05 vs. SLFPY: 6.56 )
Ranked among companies with meaningful Operating margin (%) only.
SLFPY' s Operating margin (%) Range Over the Past 10 Years
Min: 2.39  Med: 5.39 Max: 9.42
Current: 6.56
2.39
9.42
Net-margin (%) 15.86
SLFPY's Net-margin (%) is ranked higher than
78% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.11 vs. SLFPY: 15.86 )
Ranked among companies with meaningful Net-margin (%) only.
SLFPY' s Net-margin (%) Range Over the Past 10 Years
Min: -0.62  Med: 2.68 Max: 15.86
Current: 15.86
-0.62
15.86
ROE (%) 34.28
SLFPY's ROE (%) is ranked higher than
97% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.65 vs. SLFPY: 34.28 )
Ranked among companies with meaningful ROE (%) only.
SLFPY' s ROE (%) Range Over the Past 10 Years
Min: 0.46  Med: 11.08 Max: 32.81
Current: 34.28
0.46
32.81
ROA (%) 0.77
SLFPY's ROA (%) is ranked higher than
53% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.74 vs. SLFPY: 0.77 )
Ranked among companies with meaningful ROA (%) only.
SLFPY' s ROA (%) Range Over the Past 10 Years
Min: 0.07  Med: 0.26 Max: 0.75
Current: 0.77
0.07
0.75
Revenue Growth (3Y)(%) -23.90
SLFPY's Revenue Growth (3Y)(%) is ranked lower than
95% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.80 vs. SLFPY: -23.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLFPY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.40 Max: 21.1
Current: -23.9
0
21.1
EBITDA Growth (3Y)(%) -15.40
SLFPY's EBITDA Growth (3Y)(%) is ranked lower than
91% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 vs. SLFPY: -15.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLFPY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.4  Med: -1.50 Max: 175.7
Current: -15.4
-41.4
175.7
EPS Growth (3Y)(%) -28.10
SLFPY's EPS Growth (3Y)(%) is ranked lower than
96% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.50 vs. SLFPY: -28.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLFPY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.40 Max: 57.6
Current: -28.1
0
57.6
» SLFPY's 10-Y Financials

Financials (Next Earnings Date: 2016-08-09)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Life » Insurance - Life
Compare:XPAR:CNP, NYSE:LNC, NYSE:UNM, JSE:SLM, SGX:G07 » details
Traded in other countries:T3V1.Germany, SL..UK,
Standard Life PLC provides long term savings and pensions, protection, healthcare, and investment management products and solutions to individual and corporate customers.

Standard Life PLC is incorporated in United Kingdom on June 30, 2005. The Company is a provider of long-term savings and investments. The Company's reportable segments are UK and Europe, Standard Life Investments, Canada and Asia & Emerging Markets. UK and Europe provide a broad range of pensions, protection, savings and investment products to individual and corporate customers in the UK, Germany, Austria and Ireland. Standard Life Investments provides investment products for individuals and institutional customers through a number of different investment vehicles. Investment management services are also provided by Standard Life Investments to the Company's other reportable segments. This segment includes the Group's share of the results of HDFC Asset Management Company Limited. Canada segment provides long-term savings, investment and insurance solutions to individuals and group benefit and retirement plan members. The businesses included in Asia and emerging markets offer savings and investment products and comprise wholly owned operations in Hong Kong, Singapore and Dubai and investments in joint ventures in India and China.

Ratios

vs
industry
vs
history
P/E(ttm) 4.96
SLFPY's P/E(ttm) is ranked higher than
98% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.50 vs. SLFPY: 4.96 )
Ranked among companies with meaningful P/E(ttm) only.
SLFPY' s P/E(ttm) Range Over the Past 10 Years
Min: 4.6  Med: 15.91 Max: 26.86
Current: 4.96
4.6
26.86
Forward P/E 11.85
SLFPY's Forward P/E is ranked lower than
52% of the 33 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.67 vs. SLFPY: 11.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.54
SLFPY's PE(NRI) is ranked lower than
88% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.53 vs. SLFPY: 25.54 )
Ranked among companies with meaningful PE(NRI) only.
SLFPY' s PE(NRI) Range Over the Past 10 Years
Min: 6.22  Med: 18.42 Max: 31.09
Current: 25.54
6.22
31.09
P/B 1.63
SLFPY's P/B is ranked lower than
65% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. SLFPY: 1.63 )
Ranked among companies with meaningful P/B only.
SLFPY' s P/B Range Over the Past 10 Years
Min: 0.88  Med: 1.66 Max: 2.56
Current: 1.63
0.88
2.56
P/S 0.76
SLFPY's P/S is ranked higher than
62% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. SLFPY: 0.76 )
Ranked among companies with meaningful P/S only.
SLFPY' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 0.45 Max: 0.92
Current: 0.76
0.21
0.92
Shiller P/E 12.47
SLFPY's Shiller P/E is ranked higher than
73% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.55 vs. SLFPY: 12.47 )
Ranked among companies with meaningful Shiller P/E only.
SLFPY' s Shiller P/E Range Over the Past 10 Years
Min: 11.78  Med: 19.32 Max: 25.32
Current: 12.47
11.78
25.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.63
SLFPY's Dividend Yield is ranked higher than
77% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.06 vs. SLFPY: 5.63 )
Ranked among companies with meaningful Dividend Yield only.
SLFPY' s Dividend Yield Range Over the Past 10 Years
Min: 3.45  Med: 4.67 Max: 7.2
Current: 5.63
3.45
7.2
Dividend Payout 1.32
SLFPY's Dividend Payout is ranked lower than
93% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. SLFPY: 1.32 )
Ranked among companies with meaningful Dividend Payout only.
SLFPY' s Dividend Payout Range Over the Past 10 Years
Min: 0.43  Med: 0.85 Max: 1.58
Current: 1.32
0.43
1.58
Dividend Growth (3y) -2.90
SLFPY's Dividend Growth (3y) is ranked lower than
84% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.60 vs. SLFPY: -2.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SLFPY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 5.60 Max: 49.8
Current: -2.9
0
49.8
Forward Dividend Yield 7.34
SLFPY's Forward Dividend Yield is ranked higher than
94% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.42 vs. SLFPY: 7.34 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.75
SLFPY's Yield on cost (5-Year) is ranked higher than
63% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.82 vs. SLFPY: 6.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLFPY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 4.14  Med: 5.60 Max: 8.63
Current: 6.75
4.14
8.63
3-Year Average Share Buyback Ratio -0.70
SLFPY's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.50 vs. SLFPY: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SLFPY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.8  Med: -1.80 Max: -0.6
Current: -0.7
-2.8
-0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.91
SLFPY's Price/Tangible Book is ranked lower than
64% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.58 vs. SLFPY: 1.91 )
Ranked among companies with meaningful Price/Tangible Book only.
SLFPY' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.71  Med: 2.07 Max: 2.62
Current: 1.91
1.71
2.62
Price/Median PS Value 1.69
SLFPY's Price/Median PS Value is ranked lower than
86% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. SLFPY: 1.69 )
Ranked among companies with meaningful Price/Median PS Value only.
SLFPY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 0.93 Max: 1.99
Current: 1.69
0.58
1.99
Price/Graham Number 1.47
SLFPY's Price/Graham Number is ranked lower than
82% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. SLFPY: 1.47 )
Ranked among companies with meaningful Price/Graham Number only.
SLFPY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.95  Med: 1.44 Max: 1.7
Current: 1.47
0.95
1.7
Earnings Yield (Greenblatt) (%) -18.90
SLFPY's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. SLFPY: -18.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SLFPY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -18.9  Med: 36.40 Max: 7640.7
Current: -18.9
-18.9
7640.7
Forward Rate of Return (Yacktman) (%) -30.22
SLFPY's Forward Rate of Return (Yacktman) (%) is ranked lower than
98% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.97 vs. SLFPY: -30.22 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLFPY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -31.4  Med: -2.80 Max: 51.6
Current: -30.22
-31.4
51.6

More Statistics

Revenue (TTM) (Mil) $13,782
EPS (TTM) $ 4.17
Beta0.85
Short Percentage of Float0.00%
52-Week Range $18.47 - 30.71
Shares Outstanding (Mil)493.83

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 26,961 27,324 28,534
EPS($) 1.63 1.72 1.87
EPS without NRI($) 1.63 1.72 1.87

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