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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 26, 2026	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
Market Capitalization	2,270	2,244	1,687	892	848	868
Market Cap Growth	49.45%	33.01%	89.06%	5.27%	-2.37%	19.64%
Enterprise Value	6,501	4,388	3,665	3,141	1,123	-623
PE Ratio	-	-	24.81	7.63	-	-
PS Ratio	1.05	1.04	0.79	0.48	0.57	0.34
PB Ratio	2.04	2.02	1.35	0.74	0.77	0.36
P/FCF Ratio	-	-	1.96	6.47	4.30	-
P/OCF Ratio	-	-	1.96	6.33	4.22	-
EV/Sales Ratio	3.01	2.03	1.72	1.70	0.76	-
EV/EBITDA Ratio	49.25	33.75	9.52	10.10	6.97	-
EV/EBIT Ratio	51.19	34.55	9.59	10.16	7.06	-
EV/FCF Ratio	-18.79	-	4.27	22.76	5.70	-
Debt / Equity Ratio	5.61	5.61	5.25	3.97	0.64	0.34
Debt / EBITDA Ratio	47.14	47.14	16.93	15.31	4.34	6.86
Debt / FCF Ratio	-	-	7.61	34.61	3.59	-
Net Debt / Equity Ratio	3.81	3.81	3.16	2.57	-0.86	-0.41
Net Debt / EBITDA Ratio	32.55	32.55	10.22	9.93	-5.89	-8.46
Net Debt / FCF Ratio	-12.23	-12.23	4.58	22.38	-4.81	1.63
Quick Ratio	4.89	4.89	4.21	5.09	26.94	7.69
Current Ratio	5.24	5.24	4.57	5.41	28.91	8.58
Asset Turnover	0.06	0.06	0.06	0.07	0.06	0.09
Return on Equity (ROE)	-8.40%	-8.40%	6.53%	11.19%	-20.43%	-0.64%
Return on Assets (ROA)	0.20%	0.20%	0.68%	0.68%	0.37%	0.26%
Return on Invested Capital (ROIC)	1.73%	1.68%	3.93%	5.95%	6.27%	3.50%
Earnings Yield	-4.89%	-4.41%	4.74%	14.46%	-42.71%	-1.73%
FCF Yield	-15.25%	-15.42%	50.92%	15.47%	23.24%	-70.57%
Dividend Yield	1.21%	0.39%	1.57%	2.51%	2.25%	1.29%
Payout Ratio	-	-	48.75%	27.13%	-	-
Buyback Yield / Dilution	1.04%	1.04%	-0.38%	-1.65%	0.16%	0.78%
Total Shareholder Return	2.25%	1.43%	1.19%	0.87%	2.41%	2.07%

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