Standard Life (LSE:SDLF) Payments of Debt: £-496 Mil (TTM 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.

LSE:SDLF Standard Life PLC LSE:SDLF
59 GF Score
Price £9.00
GF Value £10.31
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Standard Life Payments of Debt?

Standard Life LSE:SDLF +0.33% 59 Payments of Debt is £-496 Mil as of Dec. 2025. GuruFocus rates LSE:SDLF with a GF Score™ of 59/100 and a GF Value™ of £10.31 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Standard Life's Payments of Debt for the six months ended in Dec. 2025 was £-287 Mil.

Standard Life's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was £-496 Mil.

Standard Life Payments of Debt Related Terms

Standard Life Payments of Debt Historical Data

* Premium members only.

The historical data trend for Standard Life's Payments of Debt 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 Payments of Debt Chart

Standard Life Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only -340.00 -482.00 -408.00 -739.00 -496.00

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
Payments of Debt 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 -386.00 -658.00 -81.00 -209.00 -287.00
LSE:SDLF
59GF Score
Standard Life PLC LSE:SDLF
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Standard Life Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was £-496 Mil.

* 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.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of £-496 Mil mean?
Standard Life (LSE:SDLF) has a Payments of Debt of £-496 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Standard Life and its competitors.
Is Standard Life's Payments of Debt too high?
Standard Life's current Payments of Debt is £-496 Mil. Overall, Standard Life has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Standard Life's Payments of Debt compare to AFL and MET?
Standard Life's Payments of Debt of £-496 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 Payments of Debt for an Insurance company?
A good Payments of Debt depends on the Insurance industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Standard Life and its competitors. Standard Life's current Payments of Debt is £-496 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?
Based on GuruFocus' analysis, Standard Life (LSE:SDLF) is currently considered Modestly Undervalued. The stock's GF Value™ is £10.31, compared to a current price of £9.00 — trading 12.7% below its estimated fair value. The current Payments of Debt is £-496 Mil. Standard Life's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Standard Life (LSE:SDLF), the current Payments of Debt is £-496 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 Standard Life (LSE:SDLF) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Life stock appears to be undervalued. The current stock price of £9.00 is trading 12.7% below its estimated GF Value™ of £10.31. GuruFocus considers Standard Life to be Modestly Undervalued.

Key valuation signals for LSE:SDLF:

  • Payments of Debt: £-496 Mil
  • GF Value™: £10.31 vs. price of £9.00 (12.7% below fair value)
  • GF Score™: 59/100 with 4 warning signs

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

Standard Life Business Description

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.
59GF Score

Get the complete analysis for LSE:SDLF

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

£9.00
Price
£10.31
GF Value