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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.
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| 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 | -317.40M | -21.40M | 236.70M | 368.60M | -85.50M |
| Minority interest | 0.60M | 0.80M | -1.90M | -0.80M | -0.60M |
| Net income | -231.70M | -15.80M | 193.60M | 302.60M | -63.70M |
| Selling general administrative | - | - | - | - | 2.40M |
| Gross profit | -1674.80M | 2521.30M | 4627.70M | 3811.10M | 372.10M |
| Reconciled depreciation | 23.80M | 24.60M | 23.80M | 24.40M | 26.10M |
| Ebit | -184.10M | -20.60M | 237.80M | 368.80M | 117.90M |
| Ebitda | -160.30M | 4.00M | 261.60M | 393.20M | 144.00M |
| Depreciation and amortization | 23.80M | 24.60M | 23.80M | 24.40M | 26.10M |
| Operating income | -184.10M | -20.60M | 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 | -85.70M | -5.60M | 44.20M | 66.20M | -21.20M |
| Interest income | 637.90M | 572.10M | 631.70M | 663.00M | 655.20M |
| Net interest income | -132.70M | -136.80M | -159.00M | -186.70M | -202.80M |
| Income tax expense | -85.70M | -5.60M | 44.20M | 66.20M | -21.20M |
| Total revenue | -1674.80M | 2521.30M | 4627.70M | 3811.10M | 2846.70M |
| Total operating expenses | 1490.70M | -2541.90M | -4389.90M | -3442.30M | 107.60M |
| Cost of revenue | - | - | - | 3041.90M | 2490.90M |
| Total other income expense net | -133.30M | -0.80M | -1.10M | -0.20M | 0.00M |
| Net income from continuing ops | -231.70M | -15.80M | 192.50M | 302.40M | -64.30M |
| Net income applicable to common shares | -244.70M | -35.40M | 165.50M | 285.80M | -63.70M |
| 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 |
| 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 | -31.70M | -22.00M | -24.60M | -22.40M | 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 |
| Total current liabilities | 31.70M | 22.00M | 24.60M | 22.40M | 473.90M |
| Net debt | -681.70M | 265.40M | -815.70M | 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 |
| 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 |
| Accounts payable | 31.70M | 22.00M | 24.60M | 22.40M | 21.20M |
| Accumulated other comprehensive income | - | - | -16.10M | -16.90M | -9.00M |
| Common stock total equity | - | - | 103.80M | 103.50M | 94.10M |
| Non currrent assets other | -15656.20M | -15361.40M | -13331.50M | -12338.80M | -9800.40M |
| 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 | - |
| 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 | -202.30M | -77.90M | -2.40M | -4.70M | -3.00M |
| Change to liabilities | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Total cashflows from investing activities | -202.30M | -77.90M | -2.40M | -4.70M | -3.00M |
| Net borrowings | -79.40M | -3.60M | 106.50M | 81.10M | 228.50M |
| Total cash from financing activities | -169.00M | -114.20M | 28.60M | 386.60M | 167.60M |
| Change to operating activities | -1968.70M | 676.20M | 2050.60M | 1545.40M | -31.30M |
| Net income | -317.40M | -21.40M | 236.70M | 368.60M | -85.50M |
| Change in cash | -164.30M | -804.10M | 973.80M | 654.60M | -162.90M |
| 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 | -612.00M | 947.60M | 272.70M | -327.50M |
| 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 |
| Dividends paid | 15.60M | 25.20M | 0.10M | 0.20M | 24.40M |
| Change to account receivables | -287.80M | -3.80M | -6.10M | -4.20M | 25.10M |
| Other cashflows from financing activities | -77.00M | 236.20M | -0.20M | 313.00M | 191.40M |
| Change to netincome | 2666.10M | -1294.00M | -1314.30M | -1595.50M | -283.70M |
| Capital expenditures | 8.10M | 7.30M | 2.40M | 4.70M | 3.00M |
| Change in working capital | -2256.50M | -431.40M | 1004.80M | 137.20M | -6.20M |
| Stock based compensation | -3.40M | 4.80M | 6.50M | 4.20M | 7.40M |
| Other non cash items | 2755.80M | 136.80M | 159.00M | 186.70M | -269.30M |
| Free cash flow | 194.20M | -619.30M | 945.20M | 268.00M | -330.50M |
Sector: Financial Services Industry: Insurance - Specialty
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| LRE Lancashire Holdings Ltd |
- -% |
677.00 | 6.90 | 10.26 | 0.93 | 1.27 | 0.98 |
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
44 1737 233 296
1124
| 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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