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1. Company Snapshot

1.a. Company Description

AJ Bell plc, through its subsidiaries, operates investment platforms in the United Kingdom.The company offers AJ Bell Investcentre, which provides a suite of products, services, investment solutions, and online tools for regulated financial advisers and wealth managers to help them manage retail customers' portfolio; and AJ Bell Youinvest, an investment platform proposition that include investment solutions through in-house funds, ready-made portfolios, and guidance through the AJ Bell funds list to execution-only retail customers, as well as cash savings solutions.It also provides adviser-led and D2C pension administration services to customers with bespoke SIPP and SSAS accounts; dealing, settlement, and custody services to institutional investment businesses; and white label SIPP administration, as well as publishes shares magazine and other proprietary investment content to support platform propositions.


The company was founded in 1995 and is headquartered in Manchester, the United Kingdom.

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1.b. Last Insights on AJB

AJ Bell plc's recent performance has been negatively driven by concerns over institutional ownership, which may lead to stock price vulnerability. The company's dividend increase to £0.0825 may not be enough to offset concerns. The ex-dividend date approaching may also impact the stock. Additionally, the FTSE 100 index's recent decline due to weak trade data from China may have a ripple effect on AJ Bell's stock.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Gold nears $5,000, silver shines as stocks slip on turbulent week

Jan -23

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Gold nears $5,000, stocks muted after turbulent week

Jan -23

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How to navigate market swings as Trump's Greenland pivot gives investors whiplash

Jan -23

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UK's AJ Bell reports 27.7% rise in quarterly gross inflows in platform segment

Jan -22

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FTSE and European stock market winners and losers a year into Trump's second term

Jan -20

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Reeves's cash ISA reforms 'doomed to fail', AJ Bell chief warns

Jan -16

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Most popular stocks and funds investors bought in 2025

Jan -14

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Should You Buy AJ Bell plc (LON:AJB) For Its Upcoming Dividend?

Jan -11

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.30%)

6. Segments

Investment Services

Expected Growth: 10.3%

Growing demand for online investment platforms, increasing adoption of digital wealth management, and rising popularity of DIY investing are driving growth in AJ Bell's investment services.

7. Detailed Products

AJ Bell Youinvest Dealing Account

A trading account that allows customers to buy and sell shares, funds, and other investments online

AJ Bell Youinvest ISA

An individual savings account (ISA) that allows customers to invest up to a certain amount each year without paying tax on the returns

AJ Bell Youinvest Junior ISA

A tax-free savings account for children that allows parents or guardians to invest on their behalf

AJ Bell Youinvest SIPP

A self-invested personal pension (SIPP) that allows customers to manage their pension investments online

AJ Bell Investcentre

A platform for financial advisers to manage their clients' investments

8. AJ Bell plc's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for AJ Bell plc is medium due to the presence of established players in the online investment platform market. While there are some substitutes available, they are not significantly cheaper or more convenient, reducing the threat.

Bargaining Power Of Customers

The bargaining power of customers for AJ Bell plc is low due to the lack of concentration in the customer base. Individual customers have limited bargaining power, and the company's pricing strategy is competitive.

Bargaining Power Of Suppliers

The bargaining power of suppliers for AJ Bell plc is low due to the company's scale and negotiating power. The company has a diversified supplier base, reducing dependence on any single supplier.

Threat Of New Entrants

The threat of new entrants for AJ Bell plc is medium due to the presence of barriers to entry, such as regulatory requirements and the need for significant investment in technology and marketing. However, the online nature of the business makes it easier for new entrants to start up.

Intensity Of Rivalry

The intensity of rivalry for AJ Bell plc is high due to the presence of established players in the online investment platform market. The company operates in a highly competitive market, with competitors such as Hargreaves Lansdown and Interactive Investor.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 6.95%
Debt Cost 8.33%
Equity Weight 93.05%
Equity Cost 8.33%
WACC 8.33%
Leverage 7.47%

11. Quality Control: AJ Bell plc passed 8 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Evli

A-Score: 7.0/10

Value: 4.0

Growth: 4.4

Quality: 8.2

Yield: 8.8

Momentum: 8.5

Volatility: 8.0

1-Year Total Return ->

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Stock-Card
Ratos

A-Score: 6.3/10

Value: 9.0

Growth: 4.7

Quality: 6.3

Yield: 5.6

Momentum: 6.0

Volatility: 6.0

1-Year Total Return ->

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Stock-Card
AJ Bell

A-Score: 6.0/10

Value: 2.5

Growth: 8.7

Quality: 8.6

Yield: 5.0

Momentum: 5.5

Volatility: 5.7

1-Year Total Return ->

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Liontrust Asset Management

A-Score: 5.7/10

Value: 7.9

Growth: 4.2

Quality: 7.1

Yield: 10.0

Momentum: 1.5

Volatility: 3.7

1-Year Total Return ->

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MCI Capital

A-Score: 5.3/10

Value: 3.8

Growth: 2.3

Quality: 5.9

Yield: 6.2

Momentum: 7.0

Volatility: 6.7

1-Year Total Return ->

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Bridgepoint

A-Score: 4.2/10

Value: 3.7

Growth: 6.2

Quality: 3.9

Yield: 5.0

Momentum: 2.5

Volatility: 3.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

4.24$

Current Price

4.24$

Potential

-0.00%

Expected Cash-Flows