ScoreWhy is Just Group Plc ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 4.36%
- Poor long term growth as Net Sales has grown by an annual rate of -2.19% and Operating profit at -278.26%
- The company has been able to generate a Return on Equity (avg) of 4.36% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of -2.19% and Operating profit at -278.26%
3
Flat results in Jun 25
- INTEREST(HY) At GBP 128 MM has Grown at 39.13%
- DEBT-EQUITY RATIO (HY) Highest at 318.48 %
4
With ROE of 12.20%, it has a expensive valuation with a 1.74 Price to Book Value
- Over the past year, while the stock has generated a return of 40.48%, its profits have fallen by -27.4%
5
Consistent Returns over the last 3 years
- Along with generating 40.48% returns in the last 1 year, the stock has outperformed FTSE 100 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Just Group Plc should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Just Group Plc for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Just Group Plc
40.48%
1.46
73.98%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-2.19%
EBIT Growth (5y)
-278.26%
EBIT to Interest (avg)
-0.05
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
29.20%
Dividend Payout Ratio
38.23%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
4.36%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.74
EV to EBIT
NA
EV to EBITDA
518.02
EV to Capital Employed
2.51
EV to Sales
0.48
PEG Ratio
NA
Dividend Yield
1.25%
ROCE (Latest)
ROE (Latest)
12.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 1,738.1 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 19.44%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-4What is not working for the Company
INTEREST(HY)
At GBP 128 MM has Grown at 39.13%
DEBT-EQUITY RATIO
(HY)
Highest at 318.48 %
Here's what is working for Just Group Plc
Operating Cash Flow
Highest at GBP 1,738.1 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Dividend Payout Ratio
Highest at 19.44%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At GBP 2 MM has Grown at 100%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (GBP MM)
Here's what is not working for Just Group Plc
Interest
At GBP 128 MM has Grown at 39.13%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Debt-Equity Ratio
Highest at 318.48 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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