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Just Group
Just Group (JUST) investor relations material
Just Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary27 Feb, 2026
Executive summary
Achieved underlying operating profit of £305m for FY25, reflecting pricing discipline amid increased competition and tighter credit spreads.
Tangible Net Asset Value (TNAV) grew 37% over three years to £2.7bn, supported by a hedging strategy minimizing interest rate volatility.
New business premiums totaled £4.3bn, with a 2.7% new business strain and a 9% return on equity.
Maintained strong market positioning in both DB and retail retirement markets, with structural growth drivers intact.
Financial highlights
Underlying operating profit declined from £504m in FY23 to £305m in FY25, mainly due to lower new business margins and volumes.
IFRS 17 profit before tax was a loss of £118m, impacted by one-off non-operating items and strategic expenditure.
Solvency II capital coverage ratio decreased to 179% from 204%, driven by non-recurring items and tactical investment decisions.
Cash generation increased 9% year-over-year to £130m, despite higher new business strain.
Outlook and guidance
Long-term growth opportunities remain robust in both DB and retail markets, with £1tn of DB liabilities and £1tn of retail decumulation flows projected over the next decade.
Targeting continued compounding growth in value and maintaining pricing discipline in competitive markets.
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Next Just Group earnings date
H1 20266 Aug, 2026
Just Group
Next Just Group earnings date
H1 20266 Aug, 2026
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Frequently asked questions
Just Group plc provides various financial services in the retirement income market in the United Kingdom, including de-risking solutions and guaranteed income for life. The company also issues investment plan, pensions, and other benefits by offering a range of products, such as lifetime mortgages and protection products. Just Group plc was founded in 2004 and is based in Reigate, the United Kingdom.
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