Just Group (JUST)

Sector:

Insurance

Index:

FTSE 250

104.80p
   
  • Change Today:
      1.40p
  • 52 Week High: 107.60
  • 52 Week Low: 68.20
  • Currency: UK Pounds
  • Shares Issued: 1,038.70m
  • Volume: 747,041
  • Market Cap: £1,088.56m
  • RiskGrade: 252

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend0.58p0.50pn/an/a1.17p
Final Dividend1.50p1.23p1.00pn/an/a
Total Dividend2.08p1.73p1.00pn/an/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 1,555.00 1,325.00 2,676.10 2,147.80 1,921.00
Operating Profit/(Loss) 308.00 (434.00) 115.40 395.70 555.30
Profit Before Tax 172.00 (494.00) (21.40) 236.70 368.60
Profit After Tax 129.00 (362.00) (15.80) 192.50 302.40
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 129.00 (362.00) (15.80) 192.50 302.40
Attributable to:          
Equity Holders of Parent Company 129.00 (362.00) (15.00) 193.60 302.60
Minority Interests n/a n/a (0.80) (1.10) (0.20)
           
Continuing EPS          
Earnings per Share - Basic 11.30p (36.30p) (7.97p) 16.06p 28.37p
Earnings per Share - Diluted 11.20p (36.30p) (7.97p) 15.89p 28.00p
Earnings per Share - Adjusted 27.90p 20.20p 16.40p 18.80p 17.60p
Continuing and Discontinued EPS          
Earnings per Share - Basic 11.30p (36.30p) (7.97p) 16.06p 28.37p
Earnings per Share - Diluted 11.20p (36.30p) (7.97p) 15.89p 28.00p
Earnings per Share - Adjusted 27.90p 20.20p 16.40p 18.80p 17.60p
           
Dividend per Share 2.08p 1.73p 1.00p n/a n/a
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Property, Plant & Equipment 22.00 22.00 14.20 20.50 26.80
Intangible Assets 41.00 47.00 119.70 133.50 154.40
Investment Properties 32.00 40.00 69.60 n/a n/a
Investments 29,572.00 23,546.00 24,681.70 23,269.80 21,606.00
Other Financial Assets n/a n/a n/a n/a n/a
Insurance/Re-Insurance Assets 1,143.00 776.00 2,828.20 3,132.60 3,860.60
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a 91.00 106.30 96.10
Cash at Bank & in Hand 546.00 482.00 510.20 1,496.30 267.00
Other Current Assets 4.00 6.00 30.20 n/a n/a
Other Assets 478.00 493.00 3.10 14.40 11.50
Total Assets 31,838.00 25,412.00 28,347.90 28,173.40 26,022.40
           
Liabilities          
Insurance Contracts 24,131.00 19,647.00 21,812.90 21,118.40 19,003.70
Provisions for Risks and Charges n/a n/a n/a n/a n/a
Other Insurance Liabilities 125.00 121.00 296.70 267.10 128.60
Borrowings 686.00 699.00 778.20 4,085.40 672.40
Provisions 3.00 1.00 6.50 23.80 28.10
Other Liabilities 5,690.00 3,841.00 3,013.60 188.30 3,868.60
Total Liabilities 30,635.00 24,309.00 25,907.90 25,683.00 23,701.40
           
Net Assets 1,203.00 1,103.00 2,440.00 2,490.40 2,321.00
           
Capital & Reserves          
Share Capital 104.00 104.00 103.90 103.80 103.50
Share Premium Account 95.00 95.00 94.60 94.50 94.50
Other Reserves 1,265.00 1,260.00 1,266.40 943.40 943.90
Retained Earnings (259.00) (354.00) 977.00 1,056.60 885.90
Shareholders Funds 1,205.00 1,105.00 2,441.90 2,198.30 2,027.80
           
Minority Interests/Other Equity (2.00) (2.00) (1.90) 292.10 293.20
Total Equity 1,203.00 1,103.00 2,440.00 2,490.40 2,321.00
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities 141.00 201.00 (612.00) 947.60 272.70
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 (2.00) (202.00) (77.90) (2.40) (4.70)
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 (110.00) (168.00) (114.20) 28.60 386.60
Net Increase/Decrease In Cash 29.00 (169.00) (804.10) 973.80 654.60
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 3.1 4.0 5.1 3.7 4.5
PEG - Adjusted 0.1 0.2 n/a 0.5 n/a
Earnings per Share Growth - Adjusted 38% 23% -13% 7% -4%
Dividend Cover 13.41 11.68 16.40 n/a n/a
Revenue per Share 150.68p 128.39p 2.61p 208.38p 190.67p
Pre-Tax Profit per Share 16.67p (47.87p) (0.021p) 22.96p 36.59p
Operating Margin 19.81% (32.75%) 4.31% 18.42% 28.91%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 3.1 4.0 505.0 3.7 4.5
PEG - Adjusted 0.1 0.0 n/a 0.5 n/a
Earnings per Share Growth - Adjusted 38% 12,102% -99% 7% -4%
Dividend Cover 13.41 11.68 0.17 n/a n/a
           
Dividend Yield 2.4% 2.1% 1.2% 0.0% 0.0%
Dividend per Share Growth 20.23% 73.00% n/a n/a n/a
Operating Cash Flow per Share 13.66p 19.48p (59.20p) 91.94p 27.07p
Cash Incr/Decr per Share 2.81p (16.38p) (0.79p) 94.48p 64.97p
Net Asset Value per Share (exc. Intangibles) 112.60p 102.33p 224.47p 228.67p 215.05p
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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