Standard Life (STU:36P) Net Loan: €280 Mil (As of Dec. 2025)

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STU:36P Standard Life PLC STU:36P
38 GF Score
Price €10.98
! 4 Warning Signs
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What is Standard Life Net Loan?

Standard Life STU:36P +0.37% 38 Net Loan is €280 Mil as of Dec. 2025. GuruFocus rates STU:36P with a GF Score™ of 38/100. The stock has 4 warning signs investors should review.

Standard Life's quarterly net loan increased from Dec. 2024 (€315 Mil) to Jun. 2025 (€407 Mil) but then declined from Jun. 2025 (€407 Mil) to Dec. 2025 (€280 Mil).

Standard Life's annual net loan increased from Dec. 2023 (€288 Mil) to Dec. 2024 (€407 Mil) but then declined from Dec. 2024 (€407 Mil) to Dec. 2025 (€280 Mil).

Standard Life Net Loan Historical Data

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The historical data trend for Standard Life'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.

Standard Life Net Loan Chart

Standard Life 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 547.24 308.15 287.87 315.11 280.09

Standard Life 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 287.87 312.03 315.11 407.03 280.09
STU:36P
38GF Score
Standard Life PLC STU:36P
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Life 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 €280 Mil mean?
Standard Life (STU:36P) has a Net Loan of €280 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Standard Life and its competitors.
Is Standard Life's Net Loan too high?
Standard Life's current Net Loan is €280 Mil. Overall, Standard Life has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Standard Life's Net Loan compare to AFL and MET?
Standard Life's Net Loan of €280 Mil can be compared against companies in the Insurance 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 Insurance company?
A good Net Loan depends on the Insurance 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 Standard Life and its competitors. Standard Life's current Net Loan is €280 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Life stock overvalued right now?
Standard Life (STU:36P) has a current Net Loan of €280 Mil. The current Net Loan is €280 Mil. Standard Life's overall GF Score™ is 38/100 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 Standard Life (STU:36P), the current Net Loan is €280 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.

Standard Life Business Description

Other Exchanges PNXGF:USASDLFl:UKSDLF:UK
Address 20 Old Bailey, London, GBR, EC4M 7AN
Standard Life PLC provides financial products and services related to savings and retirement planning. It serves customers directly, through financial advisers, and through employer-sponsored pension schemes.
38GF Score

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

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