Standard LifeCHIX:SDLFL +0.72%59 PB Ratio is 11.32 as of Jun. 26, 2026, which is 1067% above its 10-year median of 0.97. GuruFocus rates CHIX:SDLFL with a GF Score™ of 59/100 and a GF Value™ of £10.28 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 497 Insurance companies, Standard Life ranks worse than 98.59% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Standard Life's share price is £8.34. Standard Life's Book Value per Share for the quarter that ended in Dec. 2025 was £0.74. Hence, Standard Life's PB Ratio of today is 11.32.
Warning Sign:
Standard Life PLC stock PB Ratio (=10.94) is close to 10-year high of 10.94.
The historical rank and industry rank for Standard Life's PB Ratio or its related term are showing as below:
CHIX:SDLFl'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 0.97 Max: 11.29
Current: 11.29
During the past 13 years, Standard Life's highest PB Ratio was 11.29. The lowest was 0.69. And the median was 0.97.
CHIX:SDLFl's PB Ratio is ranked worse than 98.59% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs CHIX:SDLFl: 11.29
During the past 12 months, Standard Life's average Book Value Per Share Growth Rate was -56.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -41.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -36.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -18.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Standard Life was 7.40% per year. The lowest was -41.70% per year. And the median was -1.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Standard Life PB Ratio Related Terms
Standard Life PB Ratio Historical Data
* Premium members only.
The historical data trend for Standard Life's PB Ratio 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.
For the Insurance - Life subindustry, Standard Life's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Standard Life's PB Ratio distribution charts can be found below:
* The bar in red indicates where Standard Life's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Standard Life's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Standard Life (CHIX:SDLFL) has a PB Ratio of 11.32 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Standard Life and its competitors. This is 1067% above median its historical median of 0.97. Over the past decade, Standard Life's PB Ratio has ranged from 0.69 to 11.29. According to the industry distribution chart, Standard Life ranks #490 out of 497 companies in the Insurance industry, placing it in the top 98.6%.
Is Standard Life's PB Ratio too high?
Standard Life's current PB Ratio of 11.32 is 1067% above median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 11.29. The Insurance industry median PB Ratio is 1.38. Standard Life's value of 11.32 is 720.3% above this industry median. Based on the distribution chart, Standard Life ranks #490 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Standard Life ranks #490 out of 497 companies for PB Ratio. This places Standard Life in the lower half of its industry. The industry median PB Ratio is 1.38. Standard Life's value of 11.32 is 720.3% above this benchmark. Historically, Standard Life's own PB Ratio has ranged from 0.69 to 11.29 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.38, Standard Life has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Life's current PB Ratio of 11.32 is 720.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Standard Life and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Life's current PB Ratio is 11.32, which is 1067% above median its own 10-year median of 0.97. 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 (CHIX:SDLFL) is currently considered Modestly Undervalued. The stock's GF Value™ is £10.28, compared to a current price of £8.34 — trading 18.9% below its estimated fair value. The current PB Ratio is 11.32, which is 1067% above median its 10-year median of 0.97 and 720.3% above the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Standard Life (CHIX:SDLFL), the current PB Ratio is 11.32 as of Jun. 26, 2026. 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 (CHIX:SDLFL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Life stock appears to be undervalued.
The current stock price of £8.34 is trading 18.9% below its estimated GF Value™ of £10.28.
GuruFocus considers Standard Life to be Modestly Undervalued.
Key valuation signals for CHIX:SDLFL:
PB Ratio: 11.32 (1067% above median its 10-year median of 0.97)
GF Value™: £10.28 vs. price of £8.34 (18.9% below fair value)
Industry Position: 720.3% above the Insurance median (#490 of 497)
No single metric tells the full story. See the CHIX:SDLFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 CHIX:SDLFL
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:SDLFL has been successfully added to your 
