Just Group Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	2,073	1,809	1,555	1,325	2,653
Total Interest & Dividend Income	-327	1,643	-796	5,980	-130.3
Gain (Loss) on Sale of Investments	399	-1,343	1,067	-5,827	-
Other Revenue	17	18	21	-	15.6
Total Revenue	2,162	2,127	1,847	1,478	2,538
Revenue Growth (YoY)	1.65%	15.16%	24.97%	-41.77%	-45.36%
Policy Benefits	1,859	1,628	1,418	1,218	2,181
Policy Acquisition & Underwriting Costs	44	32	19	8	48.6
Other Operating Expenses	132	85	101	93	187.9
Total Operating Expenses	2,035	1,745	1,538	1,319	2,422
Operating Income	127	382	309	159	115.7
Interest Expense	-245	-235	-122	-664	-136.8
Earnings From Equity Investments	-	-26	-14	-3	-
Currency Exchange Gain (Loss)	-	-2	2	-	-
Other Non Operating Income (Expenses)	-	-6	-	14	-
EBT Excluding Unusual Items	-118	113	175	-494	-21.1
Asset Writedown	-	-	-3	-	-0.3
Pretax Income	-118	113	172	-494	-21.4
Income Tax Expense	-19	33	43	-132	-5.6
Earnings From Continuing Ops.	-99	80	129	-362	-15.8
Minority Interest in Earnings	-	-	-	-	0.8
Net Income	-99	80	129	-362	-15
Preferred Dividends & Other Adjustments	12	12	12	13	67.4
Net Income to Common	-111	68	117	-375	-82.4
Net Income Growth	-	-37.98%	-	-	-
Shares Outstanding (Basic)	1,042	1,040	1,032	1,032	1,034
Shares Outstanding (Diluted)	1,042	1,053	1,049	1,032	1,034
Shares Change (YoY)	-1.04%	0.38%	1.65%	-0.16%	-0.78%
EPS (Basic)	-0.11	0.07	0.11	-0.36	-0.08
EPS (Diluted)	-0.11	0.07	0.11	-0.36	-0.08
EPS Growth	-	-41.96%	-	-	-
Free Cash Flow	-346	859	138	197	-612.7
Free Cash Flow Per Share	-0.33	0.82	0.13	0.19	-0.59
Dividend Per Share	0.008	0.025	0.021	0.017	0.010
Dividend Growth	-66.40%	20.19%	20.23%	73.00%	-
Operating Margin	5.87%	17.96%	16.73%	10.76%	4.56%
Profit Margin	-5.13%	3.20%	6.33%	-25.37%	-3.25%
Free Cash Flow Margin	-16.00%	40.39%	7.47%	13.33%	-24.14%
EBITDA	130	385	311	161	117.9
EBITDA Margin	6.01%	18.10%	16.84%	10.89%	4.64%
D&A For EBITDA	3	3	2	2	2.2
EBIT	127	382	309	159	115.7
EBIT Margin	5.87%	17.96%	16.73%	10.76%	4.56%
Effective Tax Rate	-	29.20%	25.00%	-	-
Revenue as Reported	-	-	-	-	2,538

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.