Amount off the current price
is available for.
Share price is
vs Future cash flow value of
Current Discount Checks
to be considered undervalued it must be available for at least 20% below the
current price. Less than 40% is even better.
Just Group's share price is below the future cash flow value, and at a moderate discount (> 20%).
Just Group's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Just Group's earnings available for a low price, and how does
this compare to other companies in the same industry?
Just Group's earnings are expected to grow significantly at over 20% yearly.
Just Group's revenue is expected to grow by 3.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Just Group's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Rodney Malcolm Cook has been Group Chief Executive Officer at Just Group plc since April 2016. Mr. Cook served as the Chief Executive Officer at Just Retirement (Holdings) Limited since July 2010. Mr. Cook served as the Chief Executive Officer at Just Retirement Limited and Just Retirement Group Holdings Limited. He served as the Chief Executive Officer at Just Retirement Group plc since August 2013 until April 2016. He served as the Managing Director of Life and Pensions Business at Liverpool Victoria Friendly Society Ltd. He is a qualified actuary and an FCA Approved Person, has over 32 years’ experience in financial services, having led businesses in both the UK and Australasia. He commenced his career with AMP, which culminated in his appointment as Managing Director of Pearl in 1999. This was followed by a period at Zurich Financial Services as Customer Solutions Director, before joining Prudential as Prulab Director. He has been an Executive Director of Just Group plc since August 1, 2013. Mr. Cook serves as a Director at Just Retirement Group plc, Just Retirement Limited, Just Retirement Group Holdings Limited, Just Retirement Solutions Limited, Just Retirement Management Services Limited and TOMAS Acquisitions Limited. Mr. Cook has been Non Executive Director at Just Retirement (Holdings) Limited since July 5, 2010.
Rodney's compensation has increased whilst company is loss making.
Rodney's remuneration is higher than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure
Average tenure of the
management team in years:
The tenure for the Just Group management team is about average.
Group CEO & Director
Interim Group Chief Operating Officer
Group Chief Digital Information Officer
Group Communications Director
Group Marketing & Distribution Director
Group Human Resources Director
Group Chief Risk Officer
Managing Director of Retirement Lending
Managing Director of UK Retail Business
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the Just Group board of directors is about average.
Just Group Plc (LON:JUST): What Does Its Beta Value Mean For Your Portfolio?
Modern finance theory considers volatility to be a measure of risk, and there are two main types of price volatility. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … While we should keep in mind that Warren Buffett has cautioned that 'Volatility is far from synonymous with risk', beta is still a useful factor to consider.
Is Just Group Plc's (LON:JUST) CEO Paid At A Competitive Rate?
This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Rodney Cook's Compensation Compare With Similar Sized Companies. … Our data indicates that Just Group Plc is worth UK£934m, and total annual CEO compensation is UK£2.4m.
As a small cap stock, which tends to lack high analyst coverage, there is generally more of an opportunity for mispricing as there is less activity to push the stock closer to fair value? … Is there still an opportunity here to buy. … Today I will analyse the most recent data on Just Group’s outlook and valuation to see if the opportunity still exists
As an investor, I look for investments which does not compromise one fundamental factor for another. … By this I mean, I look at stocks holistically, from their financial health to their future outlook.
Does The Just Group Plc (LON:JUST) Share Price Fall With The Market?
If you're interested in Just Group Plc (LON:JUST), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market.
Just Group Plc (LON:JUST): Can Growth Justify Its November Share Price?
Just Group Plc (LON:JUST) is considered a high-growth stock, but its last closing price of £0.8685 left some investors wondering if this high future earnings potential can be rationalized by its current price tag. … See our latest analysis for Just Group? … Just Group's extremely high growth potential in the near future is attracting investors
Is Just Group Plc (LON:JUST) Potentially Undervalued?
As a stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … However, could the stock still be trading at a relatively cheap price. … Today I will analyse the most recent data on Just Group’s outlook and valuation to see if the opportunity still exists
I've been keeping an eye on Just Group Plc (LON:JUST) because I'm attracted to its fundamentals. … Looking at the company as a whole, as a potential stock investment, I believe JUST has a lot to offer.
Today, I will be analyzing Just Group Plc’s (LON:JUST) recent ownership structure, an important but not-so-popular subject among individual investors. … The impact of a company's ownership structure affects both its short- and long-term performance. … Therefore, it is beneficial for us to examine JUST's ownership structure in more detail.
Just Group Plc provides various financial services in the retirement income market in the United Kingdom. The company offers de-risking solutions, individually underwritten retirement income products, long term care plans, lifetime mortgages, and protection products. It also provides professional services, including regulated financial advice and guidance services; and a range of business services, such as consultancy and software development, and outsourced customer service delivery and marketing services. In addition, the company engages in writing of insurance products for distribution to the at- or in-retirement market, which is undertaken through the activities of the life company; and provision of licensed software to financial advisers, banks, building societies, life assurance companies, and pension trustees. Further, it arranges guaranteed income for life contracts; and provides lifetime mortgages through advice and intermediary services. The company offers its products, and advisory and professional services to banks, building societies, life assurance companies, pension scheme trustees, other corporate clients. The company was formerly known as JRP Group plc and changed its name to Just Group Plc in May 2017. Just Group Plc was founded in 2004 and is based in Reigate, the United Kingdom.
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