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United Kingdom
In shortMony Group PLC is profitable, generates cash and holds more cash than debt, with revenue stable (+1.6% last year).
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 26.3% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 18.2% | 93/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 34.8% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 35.7% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.18× | 31/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.06× | 100/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | Net cash | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 31.73× | 100/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 3.62 | 65/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 23.9% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.31× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 11.6% | 68/100 |
| Operating margin volatility | 1.8% | 93/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 4.8% | 43/100 |
|---|---|---|
| EPS growth, 3-year average | 6.2% | 56/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
GBP millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 317 | 388 | 432 | 439 | 446 |
| Cost of revenue | 94 | 125 | 140 | 149 | 159 |
| Gross profit | 223 | 263 | 292 | 291 | 287 |
| Operating income | 73 | 89 | 97 | 113 | 117 |
| Interest expense | 2.1 | 3.8 | 5.3 | 4.9 | 3.7 |
| Pre-tax income | 70 | 85 | 92 | 109 | 111 |
| Income tax | 18 | 16 | 20 | 29 | 30 |
| Net income | 53 | 68 | 73 | 81 | 81 |
| Diluted EPS | £0.10 | £0.13 | £0.14 | £0.15 | £0.15 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
3.62 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Dec 31, 2025