St James's Place (CHIX:STJL) Net Loan: £640 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:STJL St James's Place PLC CHIX:STJL
51 GF Score
Price £10.86
GF Value £5.72
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is St James's Place Net Loan?

St James's Place CHIX:STJL -0.11% 51 Net Loan is £640 Mil as of Dec. 2025. GuruFocus rates CHIX:STJL with a GF Score™ of 51/100 and a GF Value™ of £5.72 (Significantly Overvalued). The stock has 4 warning signs investors should review.

St James's Place's quarterly net loan increased from Dec. 2024 (£557 Mil) to Jun. 2025 (£603 Mil) and increased from Jun. 2025 (£603 Mil) to Dec. 2025 (£640 Mil).

St James's Place's annual net loan increased from Dec. 2023 (£408 Mil) to Dec. 2024 (£603 Mil) and increased from Dec. 2024 (£603 Mil) to Dec. 2025 (£640 Mil).

St James's Place Net Loan Historical Data

* Premium members only.

The historical data trend for St James's Place's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

St James's Place Net Loan Chart

St James's Place Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 521.60 0.00 408.00 557.30 639.90

St James's Place Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 408.00 507.00 557.30 603.30 639.90
CHIX:STJL
51GF Score
St James's Place PLC CHIX:STJL
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

St James's Place Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of £640 Mil mean?
St James's Place (CHIX:STJL) has a Net Loan of £640 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on St James's Place and its competitors.
Is St James's Place's Net Loan too high?
St James's Place's current Net Loan is £640 Mil. Overall, St James's Place has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does St James's Place's Net Loan compare to BLK and BX?
St James's Place's Net Loan of £640 Mil can be compared against companies in the Asset Management industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Asset Management company?
A good Net Loan depends on the Asset Management industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on St James's Place and its competitors. St James's Place's current Net Loan is £640 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is St James's Place stock overvalued right now?
Based on GuruFocus' analysis, St James's Place (CHIX:STJL) is currently considered Significantly Overvalued. The stock's GF Value™ is £5.72, compared to a current price of £10.86 — trading 89.9% above its estimated fair value. The current Net Loan is £640 Mil. St James's Place's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For St James's Place (CHIX:STJL), the current Net Loan is £640 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is St James's Place (CHIX:STJL) Overvalued in 2026?

Based on GuruFocus' analysis, St James's Place stock appears to be overvalued. The current stock price of £10.86 is trading 89.9% above its estimated GF Value™ of £5.72. GuruFocus considers St James's Place to be Significantly Overvalued.

Key valuation signals for CHIX:STJL:

  • Net Loan: £640 Mil
  • GF Value™: £5.72 vs. price of £10.86 (89.9% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the CHIX:STJL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

St James's Place Business Description

Other Exchanges STJPF:USASTJ:UK1IV:Germany
Address 1 Tetbury Road, St. James's Place House, Cirencester, GBR, GL7 1FP
St James's Place PLC provides investment and wealth management services to individuals, trustees, and businesses. The company operates in a single-segment wealth management business, which is a vertically integrated business providing support to its clients through the provision of financial advice and assistance through its Partner network, and financial solutions including (but not limited to) wealth management products manufactured in the Group, such as insurance bonds, pensions, unit trust, and ISA investments, and a Discretionary Fund Management (DFM) service. Currently, the company operates only in United kingdom.
51GF Score

Get the complete analysis for CHIX:STJL

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£10.86
Price
£5.72
GF Value