0R15 8520.0 0.0% 0R1E 8203.0 0.0% 0M69 21090.0 67.5139% 0R2V 226.02 9878.8079% 0QYR None None% 0QYP 412.97 -2.8306% 0RUK 2652.0 -9.2402% 0RYA 1554.0 -0.7029% 0RIH 174.55 -1.3563% 0RIH 165.15 -5.3853% 0R1O 198.5 9800.2494% 0R1O None None% 0QFP None None% 0M2Z 267.777 -0.1763% 0VSO 32.05 -9.9846% 0R1I None None% 0QZI 559.0 0.7207% 0QZ0 220.0 0.0% 0NZF None None% 0YXG 165.7358 2.7149%
Last update at 2024-11-21T16:35:00Z
15 Best UK Insurance Companies Heading into 2024
Thu 07 Dec 23, 10:21 PMVimto maker’s bubble has been burst by rising input costs but it still holds long-term appeal
Tue 14 Mar 23, 06:00 AMRetrenchment from the big banks presents an opportunity for this specialist lender
Wed 22 Feb 23, 06:00 AMThis firm is making the most of the boom in annuities
Tue 13 Dec 22, 06:00 AMOne Just Group plc (LON:JUST) insider upped their stake by 14% in the previous year
Thu 08 Dec 22, 08:45 AMThe past five years for Just Group (LON:JUST) investors has not been profitable
Mon 24 Oct 22, 09:09 AMJust Group plc (LON:JUST) Just Reported Earnings, And Analysts Cut Their Target Price
Fri 12 Aug 22, 05:19 AMJust Group plc (LON:JUST) insider upped their holding by 14% earlier this year
Thu 30 Jun 22, 02:06 PM| 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 |
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 1.31% | 139.00 | 43.00 | 3.02 | 30.94 | 0.76 | 0.20 |
| BEZ Beazley plc |
27.00 3.60% | 776.00 | 33.03 | 5.77 | 0.95 | 1.43 | 0.96 |
| LRE Lancashire Holdings Ltd |
13.00 2.13% | 624.00 | 14.89 | 5.98 | 1.20 | 1.30 | 1.16 |
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.
Enterprise House, Reigate, United Kingdom, RH2 7RP
| 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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