PNXGF (Standard Life) Net Margin %: -1.17% (As of Dec. 2025)


PNXGF Standard Life PLC PNXGF
57 GF Score
Price $10.10
GF Value $13.71
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Standard Life Net Margin %?

Standard Life PNXGF -0.25% 57 Net Margin % is -1.17% as of Dec. 2025. GuruFocus rates PNXGF with a GF Score™ of 57/100 and a GF Value™ of $13.71 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 503 Insurance companies, Standard Life ranks worse than 91.85% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Standard Life's Net Income for the six months ended in Dec. 2025 was $-368 Mil. Standard Life's Revenue for the six months ended in Dec. 2025 was $31,337 Mil. Therefore, Standard Life's net margin for the quarter that ended in Dec. 2025 was -1.17%.

The historical rank and industry rank for Standard Life's Net Margin % or its related term are showing as below:

PNXGF' s Net Margin % Range Over the Past 10 Years
Min: -5.59   Med: -0.92   Max: 11.59
Current: -1.39

PNXGF's Net Margin % is ranked worse than
91.85% of 503 companies
in the Insurance industry
Industry Median: 9.29 vs PNXGF: -1.39

Standard Life  (OTCPK:PNXGF) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Standard Life Net Margin % Related Terms

Standard Life Net Margin % Historical Data

* Premium members only.

The historical data trend for Standard Life's Net Margin % 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 Margin % Chart

Standard Life Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.51 11.59 0.34 -5.59 -1.39

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 Margin % 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 2.85 -5.52 -5.69 -1.99 -1.17

PNXGF vs AFL, MET, PRU: Net Margin % Comparison

For the Insurance - Life subindustry, Standard Life's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Standard Life Net Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Standard Life's Net Margin % distribution charts can be found below:

* The bar in red indicates where Standard Life's Net Margin % falls into.


PNXGF
57GF Score
Standard Life PLC PNXGF
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Life Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Standard Life's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-593.039/42626.506
=-1.39 %

Standard Life's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-368.139/31337.349
=-1.17 %

* 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 Net Margin % →
What does a Net Margin % of -1.17% mean?
Standard Life (PNXGF) has a Net Margin % of -1.17% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Standard Life and its competitors. According to the industry distribution chart, Standard Life ranks #462 out of 503 companies in the Insurance industry, placing it in the top 91.8%.
Is Standard Life's Net Margin % too high?
Standard Life's current Net Margin % is -1.17%. Based on the distribution chart, Standard Life ranks #462 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Standard Life has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Standard Life's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Standard Life ranks #462 out of 503 companies for Net Margin %. This places Standard Life in the lower half of its industry. The industry median Net Margin % is 9.29. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Standard Life and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Life's current Net Margin % is -1.17%. 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 (PNXGF) is currently considered Modestly Undervalued. The stock's GF Value™ is $13.71, compared to a current price of $10.10 — trading 26.3% below its estimated fair value. The current Net Margin % is -1.17%. Standard Life's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Standard Life (PNXGF), the current Net Margin % is -1.17% 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 (PNXGF) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Life stock appears to be undervalued. The current stock price of $10.10 is trading 26.3% below its estimated GF Value™ of $13.71. GuruFocus considers Standard Life to be Modestly Undervalued.

Key valuation signals for PNXGF:

  • Net Margin %: -1.17%
  • GF Value™: $13.71 vs. price of $10.10 (26.3% below fair value)
  • GF Score™: 57/100 with 4 warning signs

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

Standard Life Business Description

Other Exchanges SDLFl:UKSDLF:UK36P:Germany
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.
57GF Score

Get the complete analysis for PNXGF

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

$10.10
Price
$13.71
GF Value