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Financial Services / Banking

AJ Bell sustainability score: 32/100

32/100
Below expectations
Joint 41st of 69 in Financial Services / Banking

Better than 31% of Financial Services / Banking

Making progress starts at 46. The highest score on SINK is 71.

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About AJ Bell

AJ Bell is a UK investment platform and fund manager, offering self-invested pensions, ISAs and dealing accounts to retail customers and advisers, and running its own AJ Bell Funds. It reported £317.8 million of revenue for the year to 30 September 2025, with about 1,505 employees.

Founded 2002Head office Manchester, United KingdomStaff ~1,505 (2025)Revenue £317.8 million revenue (£317,847k, FY ended 30 Sep 2025; 2024: £269,435k). Headline income line is 'Revenue'.Website ↗

Read AJ Bell's own report ↗

Our verdict

AJ Bell has cut its own Scope 1 and 2 emissions through renewable electricity tariffs and calls its operations carbon neutral using cookstove offset credits, but its Scope 3 emissions within its target boundary rose 26% in FY25. It publishes no absolute financed emissions for its funds or for the assets on its platform, its targets are not SBTi-validated, and it reports no nature or water data.

AJ Bell scores 32/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified November 2026.

That places AJ Bell joint 693rd of 1,070 companies scored, and joint 41st of 69 in Financial Services / Banking.

The ten questions

What is AJ Bell doing well, and where does it fall short?

Strongest on Controversies & Red Flags and Carbon Footprint: Operations (8/10, 7/10). Weakest on Emissions Trajectory and Nature & Biodiversity Impact (2/10, 2/10).

What's missing

Where AJ Bell lost points

For each question that lost points, the evidence our public rubric looks for that we didn't find.

What would raise this score

  • Whether its emissions are fallingShow its emissions are falling.
  • Its effect on natureAssess its effect on nature and publish a basic environmental policy.
  • Its effect on waterMonitor its water use and take measures to reduce it.

Every question that lost points

  • Emissions from its own operations7/10Its own emissions aren't independently verified or tracked over several years.
  • Emissions from its supply chain4/10Most of its supply-chain (Scope 3) emissions aren't measured.
  • Whether its emissions are falling2/10No evidence its emissions are falling.
  • How clean its energy is6/10Less than 90% of its energy shown to be renewable.
  • Its effect on nature2/10No assessment of its effect on nature, and no basic environmental policy.
  • How it uses materials and handles waste4/10No measurable waste or recycling targets reported publicly.
  • Its effect on water2/10No monitoring of water use, or no measures to reduce it.
  • Its climate targets3/10No specific targets with dates.
  • How openly it reports6/10No annual impact report, or no pay linked to climate targets.

A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.

The calculation

How is AJ Bell's SINK score calculated?

Same ten questions for every company. No private weighting.

SINK = (0.3 × Base + 0.7 × Performance) × Scale
Industry base impact
Financial Services / Banking sector ceiling.
50 / 100
Performance score
Sum of the ten questions, each scored 0 to 10.
44 / 100
Raw score
Weighted average before scale penalty.
(0.3 × 50) + (0.7 × 44) = 45.8
Scale penalty
Multiplier based on total emissions. Bigger polluters lose more.
× 0.7
Financed emissions
Banks and insurers that don't publish the emissions of the lending, investment or insurance they finance get a size multiplier of no more than 0.70×. This company publishes no such figure, so the 0.70× floor applies.
Not published (0.70× floor)
Final score
Rounded. Below expectations.
32 / 100
Where the evidence comes from

What evidence is AJ Bell's score based on?

8 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.

38% of them were published by AJ Bell itself; the rest come from independent sources.

[1]Self-reported
AJ Bell plc Annual Report and Accounts 2025

“Actual consumption data is gathered from meter readings and converted using the Department for Energy Security and Net Zero (DESNZ) 2025 emission conversion factors.”

2025
Q1Q2Q3Q4Q5Q6Q7Q8Q9
View →
[2]Self-reported
Climate and Sustainability Disclosure

“At this time, Scope 3 emissions are excluded from our calculations as available data does not yet provide sufficient accuracy or completeness.”

Unknown
Q2Q9
View →
[3]Independent source
Portfolio Adviser: AJ Bell cash interest rates

“AJ Bell has hiked cash interest rates and cut trading fees, just hours after the Financial Conduct Authority (FCA) criticised platforms”

2023
Q10
View →
[4]Independent source
Professional Adviser: AJ Bell founder exit board FCA discussions

“AJ Bell founder to exit board after FCA governance discussions”

2022
Q10
View →
[5]Self-reported
AJ Bell Responsible Investment Range

“Companies excluded from investment are those involved in the production or sale of tobacco, gambling, alcohol, adult entertainment, and nuclear power.”

Ongoing
Q10
View →
[6]Independent source
City AM: AJ Bell launches responsible MPs range

“The AJ Bell Responsible Growth Fund will invest in ETFs which remove stocks from controversial companies such as tobacco or alcohol.”

2022
Q10
View →
[7]Independent source
Professional Adviser: AJ Bell launches strong responsible MPs range

“has launched a Responsible Managed Portfolio Service”

2021
Q10
View →
[8]Independent source
Good Money Guide: AJ Bell increases ESG offering with sustainable fund of ETFs

“The fund aims to create a diversified investment portfolio that has a better than average outcome for both people and the planet.”

2021
Q10
View →

If you believe a source has been misread or a newer version exists, submit a challenge.

For AJ Bell

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    AJ Bell: SINK sustainability score 32.

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AJ Bell in context

How does AJ Bell compare with other financial services / banking companies?

Where AJ Bell sits among financial services / banking peers.

Among the 69 major financial services / banking brands we've scored, AJ Bell is tied =41st of 69, with 7 others.

=41/69
AJ Bell's rank
36
Industry average
20
Industry low
65
Industry high
See all 69 in Financial Services / Banking →
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