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Just Group plc (JUST.L)
Key financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | ||
|---|---|---|---|---|---|---|---|
| Total revenue | £m | 4,628 | 3,224 | 5,694 | 912 | -1,655 | 216 |
| Operating profit | £m | -157 | |||||
| Net profit | £m | 194 | -35 | -376 | 129 | 80 | -99 |
| EPS reported | £ | -0.11 | |||||
| Operating cashflow per share | £ | -0.36 | |||||
| Capex per share | £ | 0.02 | |||||
| FCF per share | £ | -0.38 | |||||
| Free cash flow | £m | -398 | |||||
| Net debt | £m | 3,604 | |||||
| Book value equity | £m | 1,110 | |||||
| Book value per share | £ | 1.07 | |||||
| Number of shares | m | 1,042 | |||||
| DPS (TTM paid) | £ | 0.01 |
Financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | ||
|---|---|---|---|---|---|---|---|
| Value | |||||||
| P/E TTM | x | - | |||||
| P/B LTM | x | 2.03 | |||||
| P/S LTM | x | 10.42 | |||||
| P/FCF LTM | x | -5.66 | |||||
| EV/EBITDA LTM | x | 43.75 | |||||
| EV/Sales LTM | x | 27.14 | |||||
| Earnings Yield LTM | % | -4.40% | |||||
| FCF Yield | % | -17.68% | |||||
| Quality | |||||||
| ROE | % | -8.92% | |||||
| ROIC | % | -0.32% | |||||
| Operating margin | % | -72.69% | |||||
| Gross margin | % | 161.11% | |||||
| FCF/Sales | % | -184.26% | |||||
| Growth and momentum | |||||||
| EPS Growth YoY | % | - | |||||
| Sales Growth YoY | % | - | |||||
| Net Income Growth YoY | % | - | |||||
| FCF Growth | % | - | |||||
| Operating Profit Growth | % | - | |||||
| Dividend and capital structure | |||||||
| Dividend Yield | % | 1.24% | |||||
| Dividend Growth | % | -66.40% | |||||
| Payout Ratio | % | -24.43% | |||||
| FCF/Debt | x | -0.09 | |||||
| Net Debt/EBITDA | x | 26.96 | |||||
| EBIT/Net interest | x | -0.64 | |||||
| Net debt/market cap | % | 160.13% | |||||
| Net debt/Equity | x | 3.25 | |||||
| Gross debt/equity | x | 3.94 | |||||
Company overview
Established in Reigate, UK, in 2004, and known as JRP Group plc until its rebranding in May 2017, Just Group plc stands as a key provider of diverse financial services within the United Kingdom's retirement income sector. The company offers a comprehensive suite of solutions, including various de-risking strategies, options for guaranteed and secure lifetime income, care plans, protection products, and lifetime mortgages, which are also distributed through advisory and intermediary channels. Beyond these direct financial offerings, Just Group provides professional services such as regulated financial advice and guidance. It further supports other businesses with consultancy, software development, and outsourced customer service and marketing functions. Through its life company, it underwrites insurance products specifically designed for individuals nearing or in retirement, and supplies licensed software to a wide array of financial institutions, including advisers, banks, building societies, other life assurance companies, and pension trustees. Its varied clientele spans pension scheme trustees and sponsors, individual homeowners, and other corporate clients.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Just Group plc (JUST.L)
Established in Reigate, UK, in 2004, and known as JRP Group plc until its rebranding in May 2017, Just Group plc stands as a key provider of diverse financial services within the United Kingdom's retirement income sector. The company offers a comprehensive suite of solutions, including various de-risking strategies, options for guaranteed and secure lifetime income, care plans, protection products, and lifetime mortgages, which are also distributed through advisory and intermediary channels. Beyond these direct financial offerings, Just Group provides professional services such as regulated financial advice and guidance. It further supports other businesses with consultancy, software development, and outsourced customer service and marketing functions. Through its life company, it underwrites insurance products specifically designed for individuals nearing or in retirement, and supplies licensed software to a wide array of financial institutions, including advisers, banks, building societies, other life assurance companies, and pension trustees. Its varied clientele spans pension scheme trustees and sponsors, individual homeowners, and other corporate clients.
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