Just Group Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 26, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	2,254	1,687	892	848	868	726
Market Cap Growth	32.97%	89.06%	5.27%	-2.37%	19.64%	-11.26%
Enterprise Value	4,398	3,665	3,141	1,123	-623	-278
PE Ratio	34.97	24.81	7.63	-	-	4.39
PS Ratio	0.99	0.79	0.48	0.57	0.34	0.16
PB Ratio	1.78	1.35	0.74	0.77	0.36	0.29
P/FCF Ratio	3.50	1.96	6.47	4.30	-	0.77
P/OCF Ratio	3.49	1.96	6.33	4.22	-	0.77
EV/Sales Ratio	1.93	1.72	1.70	0.76	-	-
EV/EBITDA Ratio	11.39	9.52	10.10	6.97	-	-
EV/EBIT Ratio	11.48	9.59	10.16	7.06	-	-
EV/FCF Ratio	6.83	4.27	22.76	5.70	-	-
Debt / Equity Ratio	3.73	5.25	3.97	0.64	0.34	0.34
Debt / EBITDA Ratio	11.71	16.93	15.31	4.34	6.86	2.09
Debt / FCF Ratio	7.33	7.61	34.61	3.59	-	0.91
Net Debt / Equity Ratio	1.69	3.16	2.57	-0.86	-0.41	-0.71
Net Debt / EBITDA Ratio	5.33	10.22	9.93	-5.89	-8.46	-4.34
Net Debt / FCF Ratio	3.33	4.58	22.38	-4.81	1.63	-1.87
Quick Ratio	7.40	4.21	5.09	26.94	7.69	16.39
Current Ratio	7.97	4.57	5.41	28.91	8.58	18.58
Asset Turnover	0.06	0.06	0.07	0.06	0.09	0.17
Return on Equity (ROE)	6.17%	6.53%	11.19%	-20.43%	-0.64%	8.00%
Return on Assets (ROA)	0.69%	0.68%	0.68%	0.37%	0.26%	0.94%
Return on Invested Capital (ROIC)	4.95%	3.93%	5.95%	6.27%	3.50%	10.35%
Earnings Yield	2.88%	4.74%	14.46%	-42.71%	-1.73%	26.68%
FCF Yield	28.57%	50.92%	15.47%	23.24%	-70.57%	130.27%
Dividend Yield	1.22%	1.57%	2.51%	2.25%	1.29%	-
Payout Ratio	42.55%	48.75%	27.13%	-	-	14.57%
Buyback Yield / Dilution	-0.81%	-0.38%	-1.65%	0.16%	0.78%	-2.08%
Total Shareholder Return	0.40%	1.19%	0.87%	2.41%	2.07%	-2.08%

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