0R15 8539.0 2.1534% 0R1E 8600.0 3.3654% 0M69 None None% 0R2V 190.25 -0.1312% 0QYR 1345.5 2.0871% 0QYP 424.0 0.5931% 0LCV 146.6464 -1.3147% 0RUK None None% 0RYA 1631.0 -0.6094% 0RIH 171.3 0.9131% 0RIH 174.9 2.1016% 0R1O 186.0 9820.0% 0R1O None None% 0QFP None None% 0M2Z 298.3 -0.6495% 0VSO None None% 0R1I None None% 0QZI 474.5 0.6363% 0QZ0 220.0 0.0% 0NZF None None%

Just Group plc

Financial Services GB JUST

102.8GBP
1.80(1.78%)

Last update at 2024-05-16T15:35:00Z

Day Range

101.00103.20
LowHigh

52 Week Range

67.0094.39
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -317.40000M -21.40000M 236.70M 368.60M -85.50000M
Minority interest 0.60M 0.80M -1.90000M -0.80000M -0.60000M
Net income -231.70000M -15.80000M 193.60M 302.60M -63.70000M
Selling general administrative - - - - 2.40M
Selling and marketing expenses - - - - -
Gross profit -1674.80000M 2521.30M 4627.70M 3811.10M 372.10M
Reconciled depreciation 23.80M 24.60M 23.80M 24.40M 26.10M
Ebit -184.10000M -20.60000M 237.80M 368.80M 117.90M
Ebitda -160.30000M 4.00M 261.60M 393.20M 144.00M
Depreciation and amortization 23.80M 24.60M 23.80M 24.40M 26.10M
Non operating income net other - - - - -
Operating income -184.10000M -20.60000M 237.80M 368.80M 136.90M
Other operating expenses 1357.40M 2542.70M 4391.00M 3442.50M 2932.20M
Interest expense 132.70M 136.80M 159.00M 186.70M 202.80M
Tax provision -85.70000M -5.60000M 44.20M 66.20M -21.20000M
Interest income 637.90M 572.10M 631.70M 663.00M 655.20M
Net interest income -132.70000M -136.80000M -159.00000M -186.70000M -202.80000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -85.70000M -5.60000M 44.20M 66.20M -21.20000M
Total revenue -1674.80000M 2521.30M 4627.70M 3811.10M 2846.70M
Total operating expenses 1490.70M -2541.90000M -4389.90000M -3442.30000M 107.60M
Cost of revenue - - - 3041.90M 2490.90M
Total other income expense net -133.30000M -0.80000M -1.10000M -0.20000M 0.00000M
Discontinued operations - - - - -
Net income from continuing ops -231.70000M -15.80000M 192.50M 302.40M -64.30000M
Net income applicable to common shares -244.70000M -35.40000M 165.50M 285.80M -63.70000M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 27113.60M 28347.90M 28173.40M 25893.80M 23945.80M
Intangible assets 69.70M 85.60M 99.40M 120.30M 136.90M
Earning assets - - - - -
Other current assets 3179.30M 12423.40M 13245.90M 13183.40M 12803.20M
Total liab 24935.80M 25907.90M 25683.00M 23572.80M 22282.00M
Total stockholder equity 2180.30M 2441.90M 2492.30M 2321.80M 1664.40M
Deferred long term liab - - - - 1.40M
Other current liab -31.70000M -22.00000M -24.60000M -22.40000M 233.00M
Common stock 103.90M 103.90M 103.80M 103.50M 94.10M
Capital stock 103.90M 103.90M 103.80M 103.50M 94.10M
Retained earnings 721.00M 977.00M 1056.60M 885.90M 596.50M
Other liab 18366.50M 23805.70M 23397.90M 22153.20M 21234.70M
Good will 34.10M 34.10M 34.10M 34.10M 34.10M
Other assets 10960.20M 12473.70M 13245.90M 13183.40M 23945.80M
Cash 1389.60M 512.80M 1596.00M 371.60M 267.30M
Cash and equivalents - - - - -
Total current liabilities 31.70M 22.00M 24.60M 22.40M 473.90M
Current deferred revenue - - - - -
Net debt -681.70000M 265.40M -815.70000M 300.80M 306.10M
Short term debt - - - 30.70M 9.50M
Short long term debt - - - 30.70M 9.50M
Short long term debt total 707.90M 778.20M 780.30M 672.40M 573.40M
Other stockholder equity 1355.40M 1361.00M 1331.90M 1332.40M 982.80M
Property plant equipment 22.40M 14.20M 20.50M 26.80M 21.40M
Total current assets 497.20M 512.80M 1596.00M 371.60M 13953.00M
Long term investments 15436.80M 13917.00M 12037.50M 10762.10M 9781.80M
Net tangible assets 2133.20M 2396.80M 2451.20M 2277.70M 1621.50M
Short term investments - - - - -
Net receivables 295.40M 65.60M 34.90M 25.50M 61.00M
Long term debt 699.30M 774.30M 773.50M 660.00M 573.40M
Inventory - - - - -
Accounts payable 31.70M 22.00M 24.60M 22.40M 21.20M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - -16.10000M -16.90000M -9.00000M
Additional paid in capital - - - - -
Common stock total equity - - 103.80M 103.50M 94.10M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -15656.20000M -15361.40000M -13331.50000M -12338.80000M -9800.40000M
Deferred long term asset charges - - - - -
Non current assets total 15656.20M 15361.40M 13331.50M 12338.80M 9992.80M
Capital lease obligations 8.60M 3.90M 6.80M 12.40M -
Long term debt total - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -202.30000M -77.90000M -2.40000M -4.70000M -3.00000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -202.30000M -77.90000M -2.40000M -4.70000M -3.00000M
Net borrowings -79.40000M -3.60000M 106.50M 81.10M 228.50M
Total cash from financing activities -169.00000M -114.20000M 28.60M 386.60M 167.60M
Change to operating activities -1968.70000M 676.20M 2050.60M 1545.40M -31.30000M
Net income -317.40000M -21.40000M 236.70M 368.60M -85.50000M
Change in cash -164.30000M -804.10000M 973.80M 654.60M -162.90000M
Begin period cash flow 1820.70M 2624.80M 1651.00M 996.40M 1159.30M
End period cash flow 1656.40M 1820.70M 2624.80M 1651.00M 996.40M
Total cash from operating activities 202.30M -612.00000M 947.60M 272.70M -327.50000M
Issuance of capital stock 0.10M 0.20M 0.30M 73.80M 0.60M
Depreciation 23.80M 24.60M 23.80M 24.40M 26.10M
Other cashflows from investing activities - - - - -
Dividends paid 15.60M 25.20M 0.10M 0.20M 24.40M
Change to inventory - - - - -
Change to account receivables -287.80000M -3.80000M -6.10000M -4.20000M 25.10M
Sale purchase of stock - - - - -
Other cashflows from financing activities -77.00000M 236.20M -0.20000M 313.00M 191.40M
Change to netincome 2666.10M -1294.00000M -1314.30000M -1595.50000M -283.70000M
Capital expenditures 8.10M 7.30M 2.40M 4.70M 3.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -2256.50000M -431.40000M 1004.80M 137.20M -6.20000M
Stock based compensation -3.40000M 4.80M 6.50M 4.20M 7.40M
Other non cash items 2755.80M 136.80M 159.00M 186.70M -269.30000M
Free cash flow 194.20M -619.30000M 945.20M 268.00M -330.50000M

Fundamentals

  • Previous Close 101.00
  • Market Cap893.28M
  • Volume1283987
  • P/E Ratio43.00
  • Dividend Yield2.10%
  • EBITDA177.90M
  • Revenue TTM-1180.00000M
  • Revenue Per Share TTM-1.147
  • Gross Profit TTM 24.50M
  • Diluted EPS TTM0.02

Peer Comparison

Sector: Financial Services Industry: Insurance - Specialty

Company Change (GBP) Price (GBP) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
JUST
Just Group plc
1.80 1.78% 102.80 43.00 3.02 30.94 0.76 0.20
BEZ
Beazley plc
3.00 0.44% 679.50 33.03 5.77 0.95 1.43 0.96
LRE
Lancashire Holdings Ltd
7.00 1.13% 627.00 14.89 5.98 1.20 1.30 1.16
RQIH
Randall & Quilter Investment Holdings Ltd
-0.1475 8.68% 1.55 - 8.87 0.51 0.29 0.73

Reports Covered

Stock Research & News

Profile

Just Group plc provides various retirement income products and services to individual and corporate clients.in the United Kingdom. It offers defined benefit de-risking solutions, guaranteed income for life, secure lifetime income, care plans, and lifetime mortgage service. The company also engages in professional services and distribution business, which offers technology, broking, and advice solutions for corporate clients and pension schemes; and regulated financial advice for pension, investment, and savings. In addition, it provides the writing of insurance products for distribution to the at- or in-retirement market and the DB de-risking market; guaranteed income for life contracts and lifetime mortgages through regulated advice and intermediary services; and licensed software to financial advisers, banks, building societies, life assurance companies, and pension trustees. The company was formerly known as JRP Group plc and changed its name to Just Group plc in May 2017. Just Group plc was founded in 2004 and is based in Reigate, the United Kingdom.

Just Group plc

Enterprise House, Reigate, United Kingdom, RH2 7RP

Key Executives

Name Title Year Born
Mr. David Louis Richardson CFA, FIA Group CEO & Exec. Director 1972
Mr. Andrew Mark Parsons Group CFO & Exec. Director 1965
Jo Varley Interim Group Chief Operating Officer NA
Mr. Paul Fulcher Group Capital Management & Investment Exec. NA
Mr. Giles Offen Group Chief Digital Information Officer NA
Alistair Smith Head of Investor Relations NA
Mr. Stephen Lowe Group Communications Director NA
Mr. David Paul Cooper Group Marketing & Distribution Director 1966
Ms. Ellie Evans Group Chief People Officer NA
Mr. Alexander Duncan Group Chief Risk Officer NA

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