Financials Just Group plc

Equities

JRP

GB00BCRX1J15

Life & Health Insurance

Market Closed - London S.E. 11:35:05 2024-04-26 am EDT 5-day change 1st Jan Change
103 GBX +1.58% Intraday chart for Just Group plc +4.04% +19.91%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 817.7 725.7 868.2 847.6 892.2 1,070 - -
Enterprise Value (EV) 1 1,223 9.652 1,136 1,073 1,032 4,189 4,189 4,189
P/E ratio 2.82 x 4.4 x -24.4 x -3.44 x 7.67 x 16.6 x 12.8 x 11.5 x
Yield - - 1.2% 2.12% 2.42% 2.25% 2.59% 3.55%
Capitalization / Revenue 0.35 x 0.25 x 0.33 x 0.27 x 0.23 x 0.23 x 0.2 x 0.18 x
EV / Revenue 0.52 x 0 x 0.43 x 0.34 x 0.27 x 0.91 x 0.8 x 0.71 x
EV / EBITDA - 30,087 x 4,843,066 x - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.35 x 0.29 x 0.36 x 0.39 x 0.37 x 0.44 x 0.58 x 0.98 x
Nbr of stocks (in thousands) 1,035,082 1,038,129 1,038,497 1,038,703 1,038,703 1,038,703 - -
Reference price 2 0.7900 0.6990 0.8360 0.8160 0.8590 1.030 1.030 1.030
Announcement Date 3/12/20 3/16/21 3/10/22 3/7/23 3/8/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,361 2,856 2,653 3,120 3,893 4,619 5,247 5,876
EBITDA - 320.8 234.6 - - - - -
EBIT 1 266.4 297 210 249 377 444.4 493.9 563.8
Operating Margin 11.29% 10.4% 7.92% 7.98% 9.68% 9.62% 9.41% 9.6%
Earnings before Tax (EBT) 1 368.6 236.7 -21.4 -317.4 172 210.2 210.1 180.4
Net income 1 302.6 193.6 -15 -231.1 129 87.58 109.7 126.7
Net margin 12.82% 6.78% -0.57% -7.41% 3.31% 1.9% 2.09% 2.16%
EPS 2 0.2800 0.1589 -0.0342 -0.2370 0.1120 0.0622 0.0806 0.0892
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 0.0100 0.0173 0.0208 0.0232 0.0266 0.0366
Announcement Date 3/12/20 3/16/21 3/10/22 3/7/23 3/8/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2021 S1 2022 S1 2023 S1
Net sales 1 - - - 880 1,899
EBITDA - - - - -
EBIT 1 152.2 116.6 118.2 73.6 173
Operating Margin - - - 8.36% 9.11%
Earnings before Tax (EBT) 243.3 - - - -
Net income - 246.6 - - -
Net margin - - - - -
EPS - 0.2239 -0.0784 - -
Dividend per Share - - - 0.005000 -
Announcement Date 3/12/20 8/13/20 8/12/21 8/9/22 8/15/23
1GBP in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 405 - 268 226 140 3,119 3,119 3,119
Net Cash position 1 - 716 - - - - - -
Leverage (Debt/EBITDA) - - 1.142 x - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.2% 8.04% 7.82% -10% 11.2% 11.6% 12.1% 12.9%
ROA (Net income/ Total Assets) 1.17% 0.71% 0.68% -0.83% 0.44% 0.23% 0.26% 0.28%
Assets 1 25,885 27,100 -2,197 27,730 29,126 37,590 42,040 45,262
Book Value Per Share 2 2.240 2.400 2.350 2.100 2.350 2.330 1.770 1.060
Cash Flow per Share - - -0.5900 - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/12/20 3/16/21 3/10/22 3/7/23 3/8/24 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
7
Last Close Price
1.03 GBP
Average target price
1.379 GBP
Spread / Average Target
+33.84%
Consensus

Annual profits - Rate of surprise

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