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 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Jan '25 Jan 22, 2025	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	1,687	892	848	868	726	818	Upgrade
Market Cap Growth	35.48%	5.27%	-2.37%	19.64%	-11.26%	-5.29%	Upgrade
Enterprise Value	3,665	3,141	1,123	-623	-278	182	Upgrade
Debt / Equity Ratio	3.27	2.71	0.64	0.34	0.34	0.30	Upgrade
Debt / EBITDA Ratio	2.47	2.03	4.34	6.86	2.09	1.20	Upgrade
Debt / FCF Ratio	10.75	23.65	3.59	-	0.91	2.59	Upgrade
Quick Ratio	7.22	8.96	26.94	7.69	16.38	24.77	Upgrade
Current Ratio	7.62	9.53	28.91	8.58	18.58	29.35	Upgrade
Asset Turnover	0.11	0.11	0.05	0.09	0.17	0.15	Upgrade
Return on Equity (ROE)	8.50%	11.19%	-20.43%	-0.64%	8.00%	15.18%	Upgrade
Return on Assets (ROA)	3.30%	3.50%	0.37%	0.26%	0.93%	1.45%	Upgrade
Return on Capital (ROIC)	19.44%	31.90%	3.92%	2.19%	7.95%	13.78%	Upgrade
Payout Ratio	37.62%	27.13%	-	-	14.57%	5.62%	Upgrade
Buyback Yield / Dilution	-1.69%	-1.65%	0.16%	0.78%	-2.08%	-9.42%	Upgrade
Total Shareholder Return	-0.33%	-1.65%	0.16%	0.78%	-2.08%	-9.42%	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.