Just Group plc (JUST) AI Stock Analysis

• Market Cap: £2.27B
• Dividend Yield: 1.22%
• Average Volume (3M): 4.76M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.80
• Revenue Growth: -7.30%
• EPS Growth: -27.69%
• Country: UK
• Employees: 1,384
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 0.22
• Shares Outstanding: 1,038,702,900
• 10 Day Avg. Volume: 4,500,286
• 30 Day Avg. Volume: 4,761,777
• PEG Ratio: 0.08
• Price to Book (P/B): 2.03
• Price to Sales (P/S): 1.08
• P/FCF Ratio: -5.66
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.37
• Revenue Forecast (FY): £6.20B

• Rating: 47 Neutral
• Price Target: 213.00 p ▼(-1.62% Downside)
• Action: Reiterated Date: 03/01/26
• Date: Action: Reiterated 03/01/26

The score is held down primarily by weak and volatile fundamentals, including a 2025 loss and negative operating/free cash flow. Technicals are neutral-to-mildly supportive (stable around key averages, slightly positive MACD) but not strong enough to offset the financial risk, while valuation is constrained by the negative P/E and only a modest dividend yield.

Positive Factors

Business model: annuities & BPAs

A focus on annuities and bulk purchase annuities creates durable, contractually-backed revenue streams and long-term liability relationships. This business model benefits from demographic tailwinds and recurring cash flows, supporting stable core earnings over multi-year horizons.

Negative Factors

Earnings volatility; 2025 net loss

Material swings from profit to loss reduce predictability of returns and strain capital planning. Persistent earnings volatility impairs ability to steadily build surplus, complicates pricing discipline, and raises the probability of adverse capital or strategic actions during weaker periods.

Just Group plc Business Overview & Revenue Model

Company Description

Just Group plc provides various financial services in the retirement income market in the United Kingdom. It offers de-risking solutions, guaranteed income for life, secure lifetime income, care plans, lifetime mortgages, and protection products. ...

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Just Group plc provides various financial services in the retirement income market in the United Kingdom. It offers de-risking solutions, guaranteed income for life, secure lifetime income, care plans, lifetime mortgages, and protection products. ...

How the Company Makes Money

Just Group plc generates revenue primarily through the sale of its insurance and pension products. Key revenue streams include the premiums paid by customers for life insurance policies and annuities, as well as fees associated with asset manageme...

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Just Group plc generates revenue primarily through the sale of its insurance and pension products. Key revenue streams include the premiums paid by customers for life insurance policies and annuities, as well as fees associated with asset manageme...

Just Group plc Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.09B	-1.66B	912.00M	5.69B	3.22B
Gross Profit	2.09B	-1.66B	1.09B	-5.61B	2.49B
EBITDA	134.00M	358.00M	299.00M	-431.00M	140.00M
Net Income	-99.00M	80.00M	129.00M	-376.00M	-35.40M
Balance Sheet
Total Assets	40.77B	37.92B	31.84B	24.83B	25.54B
Cash, Cash Equivalents and Short-Term Investments	758.00M	1.62B	1.25B	1.39B	510.00M
Total Debt	4.37B	846.00M	695.00M	707.90M	778.20M
Total Liabilities	39.66B	36.68B	30.64B	22.65B	23.10B
Stockholders Equity	1.11B	1.25B	1.21B	2.18B	2.44B
Cash Flow
Free Cash Flow	-398.00M	859.00M	138.00M	137.10M	-676.00M
Operating Cash Flow	-379.00M	863.00M	141.00M	145.20M	-668.70M
Investing Cash Flow	-28.00M	-5.00M	-2.00M	-202.30M	-77.90M
Financing Cash Flow	-201.00M	52.00M	-110.00M	-168.00M	-57.50M

Just Group plc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 216.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:JUST, the sentiment is Positive. The current price of 216.5 is below the 20-day moving average (MA) of 217.78, below the 50-day MA of 217.06, and above the 200-day MA of 202.44, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 61.72 is Neutral, neither overbought nor oversold. The STOCH value of 52.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:JUST.

Just Group plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CRE	78 Outperform	£642.20M	7.04	11.14%	7.08%	15.83%	-93.41%
LRE	76 Outperform	£1.45B	6.98	15.28%	11.03%	8.78%	-38.83%
QLT	74 Outperform	£2.40B	8.36	8.35%	3.40%	-28.04%	-102.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PAG	65 Neutral	£1.38B	5.39	12.70%	4.74%	-4.98%	3.02%
CSN	53 Neutral	£672.06M	-59.40	-2.93%	8.03%	-48.03%	-289.17%
JUST	47 Neutral	£2.27B	-22.73	-8.84%	1.22%	-7.30%	-27.69%

Just Group plc Corporate Events