Just Group (JUST)

Sector:

Insurance

Index:

FTSE 250

149.00p
   
  • Change Today:
      1.00p
  • 52 Week High: 167.20
  • 52 Week Low: 99.80
  • Currency: UK Pounds
  • Shares Issued: 1,038.70m
  • Volume: 605,088
  • Market Cap: £1,547.67m
  • RiskGrade: 252
  • Beta: 0.02

Dividend Data

  31-Dec-2431-Dec-2331-Dec-2231-Dec-2131-Dec-20
Interim Dividend0.70p0.58p0.50pn/a1.17p
Final Dividend1.80p1.50p1.23p1.00pn/a
Total Dividend2.50p2.08p1.73p1.00pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 1,809.00 1,555.00 1,325.00 2,676.10 2,147.80
Operating Profit/(Loss) 380.00 308.00 (434.00) 115.40 395.70
Net Interest n/a n/a n/a (136.80) (159.00)
Profit Before Tax 113.00 172.00 (494.00) (21.40) 236.70
Profit After Tax 80.00 129.00 (362.00) (15.80) 192.50
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 80.00 129.00 (362.00) (15.80) 192.50
Attributable to:          
Equity Holders of Parent Company 80.00 129.00 (362.00) (15.00) 193.60
Minority Interests n/a n/a n/a (0.80) (1.10)
           
Continuing EPS          
Earnings per Share - Basic 6.50p 11.30p (36.30p) (7.97p) 16.06p
Earnings per Share - Diluted 6.50p 11.20p (36.30p) (7.97p) 15.89p
Earnings per Share - Adjusted 36.00p 28.00p 20.20p 16.40p 18.80p
Continuing and Discontinued EPS          
Earnings per Share - Basic 6.50p 11.30p (36.30p) (7.97p) 16.06p
Earnings per Share - Diluted 6.50p 11.20p (36.30p) (7.97p) 15.89p
Earnings per Share - Adjusted 36.00p 28.00p 20.20p 16.40p 18.80p
           
Dividend per Share 2.50p 2.08p 1.73p 1.00p n/a
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Non-Current Assets          
Property, Plant & Equipment 20.00 22.00 22.00 14.20 20.50
Intangible Assets 40.00 41.00 47.00 119.70 133.50
Investment Properties 27.00 32.00 40.00 69.60 n/a
Investments 34,509.00 29,572.00 23,546.00 24,681.70 23,269.80
Other Financial Assets n/a n/a n/a n/a n/a
Other Non-Current Assets n/a n/a n/a n/a n/a
  34,596.00 29,667.00 23,655.00 24,885.20 23,423.80
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 49.00 60.00 n/a 91.00 106.30
Cash at Bank & in Hand 808.00 546.00 482.00 510.20 1,496.30
Current Asset Investments n/a n/a n/a n/a n/a
Other Current Assets 15.00 16.00 6.00 30.20 n/a
  872.00 622.00 488.00 631.40 1,602.60
           
Other Assets 387.00 406.00 493.00 3.10 14.40
Total Assets 37,922.00 31,838.00 25,412.00 28,347.90 28,173.40
           
Liabilities          
Current Liabilities          
Borrowings n/a n/a n/a n/a n/a
Other Current Liabilities n/a n/a n/a n/a n/a
  n/a n/a n/a n/a n/a
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 839.00 686.00 699.00 778.20 4,085.40
Provisions 59.00 50.00 1.00 6.50 23.80
Other Non-Current Liabilities n/a n/a n/a n/a n/a
  898.00 736.00 700.00 784.70 4,109.20
           
Other Liabilities 7,931.00 5,643.00 3,841.00 3,013.60 188.30
Total Liabilities 36,676.00 30,635.00 24,309.00 25,907.90 25,683.00
           
Net Assets 1,246.00 1,203.00 1,103.00 2,440.00 2,490.40
           
Capital & Reserves          
Share Capital 104.00 104.00 104.00 103.90 103.80
Share Premium Account 95.00 95.00 95.00 94.60 94.50
Other Reserves 1,266.00 1,265.00 1,260.00 1,266.40 943.40
Retained Earnings (219.00) (259.00) (354.00) 977.00 1,056.60
Shareholders Funds 1,246.00 1,205.00 1,105.00 2,441.90 2,198.30
           
Minority Interests/Other Equity n/a (2.00) (2.00) (1.90) 292.10
Total Equity 1,246.00 1,203.00 1,103.00 2,440.00 2,490.40
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities 863.00 141.00 201.00 (612.00) 947.60
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities n/a (2.00) (202.00) (77.90) (2.40)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities 52.00 (110.00) (168.00) (114.20) 28.60
Net Increase/Decrease In Cash 915.00 29.00 (169.00) (804.10) 973.80
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted 4.5 3.1 4.0 5.1 3.7
PEG - Adjusted 0.2 0.1 0.2 n/a 0.5
Earnings per Share Growth - Adjusted 29% 39% 23% -13% 7%
Dividend Cover 14.40 13.46 11.68 16.40 n/a
Revenue per Share 171.79p 148.24p 128.39p 258.89p 208.38p
Pre-Tax Profit per Share 10.73p 16.40p (47.87p) (2.07p) 22.96p
Operating Margin 21.01% 19.81% (32.75%) 4.31% 18.42%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 4.5 3.1 4.0 5.1 3.7
PEG - Adjusted 0.2 0.1 0.2 n/a 0.5
Earnings per Share Growth - Adjusted 29% 39% 23% -13% 7%
Dividend Cover 14.40 13.46 11.68 16.40 n/a
           
Dividend Yield 1.5% 2.4% 2.1% 1.2% 0.0%
Dividend per Share Growth 20.19% 20.23% 73.00% n/a n/a
Operating Cash Flow per Share 81.96p 13.44p 19.48p (59.20p) 91.94p
Cash Incr/Decr per Share 86.89p 2.77p (16.38p) (77.79p) 94.48p
Net Asset Value per Share (exc. Intangibles) 114.53p 110.77p 102.33p 224.47p 228.67p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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