eui limited
eui limited Company Information
Company Number
02686904
Next Accounts
Sep 2025
Shareholders
admiral group plc
Group Structure
View All
Industry
Life insurance
+1Registered Address
ty admiral david street, cardiff, CF10 2EH
Website
http://elephant.co.ukeui limited Estimated Valuation
Pomanda estimates the enterprise value of EUI LIMITED at £298.6m based on a Turnover of £264.1m and 1.13x industry multiple (adjusted for size and gross margin).
eui limited Estimated Valuation
Pomanda estimates the enterprise value of EUI LIMITED at £5.3b based on an EBITDA of £435.1m and a 12.21x industry multiple (adjusted for size and gross margin).
eui limited Estimated Valuation
Pomanda estimates the enterprise value of EUI LIMITED at £892.2m based on Net Assets of £543.2m and 1.64x industry multiple (adjusted for liquidity).
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Eui Limited Overview
Eui Limited is a live company located in cardiff, CF10 2EH with a Companies House number of 02686904. It operates in the life insurance sector, SIC Code 65110. Founded in February 1992, it's largest shareholder is admiral group plc with a 100% stake. Eui Limited is a mature, mega sized company, Pomanda has estimated its turnover at £264.1m with healthy growth in recent years.
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Eui Limited Health Check
Pomanda's financial health check has awarded Eui Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 4 areas for improvement. Company Health Check FAQs
5 Strong
1 Regular
4 Weak
Size
annual sales of £264.1m, make it larger than the average company (£1.7m)
£264.1m - Eui Limited
£1.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a similar rate (8.6%)
9% - Eui Limited
8.6% - Industry AVG
Production
with a gross margin of 79%, this company has a higher cost of product (99.9%)
79% - Eui Limited
99.9% - Industry AVG
Profitability
an operating margin of 147.1% make it more profitable than the average company (12.4%)
147.1% - Eui Limited
12.4% - Industry AVG
Employees
with 9298 employees, this is above the industry average (21)
9298 - Eui Limited
21 - Industry AVG
Pay Structure
on an average salary of £44.6k, the company has a lower pay structure (£63.3k)
£44.6k - Eui Limited
£63.3k - Industry AVG
Efficiency
resulting in sales per employee of £28.4k, this is less efficient (£150.2k)
£28.4k - Eui Limited
£150.2k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Eui Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 10 days, this is quicker than average (158 days)
10 days - Eui Limited
158 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Eui Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 6 weeks, this is less cash available to meet short term requirements (14 weeks)
6 weeks - Eui Limited
14 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 71.7%, this is a lower level of debt than the average (87%)
71.7% - Eui Limited
87% - Industry AVG
EUI LIMITED financials
Eui Limited's latest turnover from December 2023 is £264.1 million and the company has net assets of £543.2 million. According to their latest financial statements, Eui Limited has 9,298 employees and maintains cash reserves of £173.1 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 264,146,000 | 236,516,000 | 226,020,000 | 205,898,000 | 192,633,000 | 197,625,000 | 170,819,000 | 167,415,000 | 162,235,000 | 180,712,000 | 203,496,000 | 250,341,000 | 243,097,000 | 187,122,000 | 137,997,000 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 55,460,000 | 47,304,000 | 68,203,000 | 52,122,000 | 44,055,000 | 46,911,000 | 44,296,000 | 33,542,000 | 29,714,000 | 26,859,000 | 30,784,000 | 35,805,000 | 33,764,000 | 26,794,000 | 19,980,000 |
| Gross Profit | 208,686,000 | 189,212,000 | 157,817,000 | 153,776,000 | 148,578,000 | 150,714,000 | 126,523,000 | 133,873,000 | 132,521,000 | 153,853,000 | 172,712,000 | 214,536,000 | 209,333,000 | 160,328,000 | 118,017,000 |
| Admin Expenses | -179,921,000 | -367,597,000 | -480,880,000 | -317,452,000 | -223,893,000 | -195,216,000 | -142,057,000 | -95,071,000 | -182,479,000 | -151,108,000 | -140,468,000 | -45,651,000 | -41,443,000 | -46,359,000 | -30,088,000 |
| Operating Profit | 388,607,000 | 556,809,000 | 638,697,000 | 471,228,000 | 372,471,000 | 345,930,000 | 268,580,000 | 228,944,000 | 315,000,000 | 304,961,000 | 313,180,000 | 260,187,000 | 250,776,000 | 206,687,000 | 148,105,000 |
| Interest Payable | 1,909,000 | 1,986,000 | 2,203,000 | 15,000 | 95,000 | 2,381,000 | 2,338,000 | 34,000 | |||||||
| Interest Receivable | 1,909,000 | 1,986,000 | 2,203,000 | 311,000 | 611,000 | 502,000 | 111,000 | 7,180,000 | 529,000 | 1,031,000 | 1,241,000 | 691,000 | 1,205,000 | 501,000 | 214,000 |
| Pre-Tax Profit | 395,514,000 | 559,525,000 | 638,652,000 | 471,524,000 | 377,173,000 | 354,385,000 | 266,353,000 | 236,124,000 | 315,529,000 | 305,992,000 | 314,421,000 | 260,878,000 | 251,981,000 | 207,188,000 | 148,285,000 |
| Tax | -93,661,000 | -105,342,000 | -117,947,000 | -100,149,000 | -74,046,000 | -66,173,000 | -51,468,000 | -50,331,000 | -65,539,000 | -65,829,000 | -72,612,000 | -63,230,000 | -62,433,000 | -56,458,000 | -40,146,000 |
| Profit After Tax | 301,853,000 | 454,183,000 | 520,705,000 | 371,375,000 | 303,127,000 | 288,212,000 | 214,885,000 | 185,793,000 | 249,990,000 | 240,163,000 | 241,809,000 | 197,648,000 | 189,548,000 | 150,730,000 | 108,139,000 |
| Dividends Paid | 300,000,000 | 290,000,000 | 490,000,000 | 310,000,000 | 295,000,000 | 200,000,000 | 205,000,000 | 130,000,000 | 300,000,000 | 245,000,000 | 150,000,000 | 225,000,000 | 200,000,000 | 130,000,000 | 100,000,000 |
| Retained Profit | 1,853,000 | 164,183,000 | 30,705,000 | 61,375,000 | 8,127,000 | 88,212,000 | 9,885,000 | 55,793,000 | -50,010,000 | -4,837,000 | 91,809,000 | -27,352,000 | -10,452,000 | 20,730,000 | 8,139,000 |
| Employee Costs | 414,409,000 | 374,729,000 | 331,290,000 | 283,365,000 | 262,752,000 | 241,405,000 | 202,753,000 | 199,918,000 | 186,977,000 | 165,067,000 | 171,905,000 | 162,097,000 | 133,707,000 | 112,635,000 | 89,596,000 |
| Number Of Employees | 9,298 | 8,040 | 7,437 | 7,195 | 7,257 | 7,911 | 7,095 | 6,547 | 6,089 | 5,523 | 5,709 | 5,455 | 4,709 | 3,899 | 3,199 |
| EBITDA* | 435,131,000 | 586,653,000 | 671,494,000 | 501,514,000 | 400,428,000 | 366,137,000 | 289,514,000 | 248,754,000 | 326,838,000 | 314,462,000 | 324,093,000 | 269,422,000 | 258,468,000 | 212,765,000 | 154,808,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 80,737,000 | 79,267,000 | 91,131,000 | 121,281,000 | 132,651,000 | 21,620,000 | 26,881,000 | 28,488,000 | 31,908,000 | 30,104,000 | 17,559,000 | 21,027,000 | 22,449,000 | 16,815,000 | 14,108,000 |
| Intangible Assets | 138,896,000 | 125,380,000 | 63,824,000 | 53,660,000 | 49,632,000 | 52,435,000 | 71,177,000 | 70,423,000 | 56,420,000 | 23,385,000 | |||||
| Investments & Other | 20,747,000 | 52,000 | 110,000 | 58,000 | 40,000 | 40,000 | 40,000 | ||||||||
| Debtors (Due After 1 year) | 465,000 | 810,000 | 1,917,000 | 49,155,000 | 1,409,000 | ||||||||||
| Total Fixed Assets | 219,633,000 | 204,647,000 | 154,955,000 | 175,406,000 | 203,840,000 | 76,024,000 | 147,323,000 | 100,378,000 | 88,368,000 | 53,529,000 | 17,599,000 | 21,027,000 | 22,449,000 | 16,815,000 | 14,108,000 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 19,000 | 789,566,000 | 728,771,000 | 658,735,000 | 522,128,000 | 374,871,000 | 333,569,000 | 357,070,000 | 395,227,000 | 420,006,000 | 340,357,000 | 209,683,000 | |||
| Group Debtors | 183,772,000 | 294,724,000 | 236,701,000 | 298,531,000 | 360,638,000 | 321,756,000 | 196,373,000 | 226,229,000 | 53,531,000 | 98,943,000 | 11,979,000 | 25,481,000 | 34,474,000 | 61,862,000 | 27,413,000 |
| Misc Debtors | 1,344,698,000 | 973,742,000 | 926,524,000 | 865,592,000 | 36,626,000 | 46,785,000 | 37,724,000 | 32,126,000 | 29,531,000 | 27,233,000 | 56,006,000 | 49,506,000 | 52,978,000 | 16,148,000 | 11,887,000 |
| Cash | 173,056,000 | 109,395,000 | 174,435,000 | 141,896,000 | 91,170,000 | 103,290,000 | 156,311,000 | 117,781,000 | 95,204,000 | 106,689,000 | 113,056,000 | 149,107,000 | 163,004,000 | 122,503,000 | 81,412,000 |
| misc current assets | 58,716,000 | 2,381,000 | 4,718,000 | ||||||||||||
| total current assets | 1,701,526,000 | 1,377,880,000 | 1,337,660,000 | 1,306,019,000 | 1,278,000,000 | 1,259,318,000 | 1,051,524,000 | 902,982,000 | 553,137,000 | 566,434,000 | 538,111,000 | 619,321,000 | 670,462,000 | 540,870,000 | 330,395,000 |
| total assets | 1,921,159,000 | 1,582,527,000 | 1,492,615,000 | 1,481,425,000 | 1,481,840,000 | 1,335,342,000 | 1,198,847,000 | 1,003,360,000 | 641,505,000 | 619,963,000 | 555,710,000 | 640,348,000 | 692,911,000 | 557,685,000 | 344,503,000 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 1,598,000 | 9,172,000 | 20,041,000 | 18,321,000 | 11,377,000 | 18,178,000 | 19,141,000 | 20,861,000 | 24,126,000 | 15,585,000 | 10,163,000 | 7,606,000 | 7,380,000 | 9,753,000 | 7,794,000 |
| Group/Directors Accounts | 1,103,342,000 | 775,096,000 | 801,872,000 | 819,812,000 | 884,333,000 | 901,111,000 | 848,774,000 | 529,888,000 | 275,406,000 | 239,688,000 | 179,551,000 | 321,931,000 | 367,916,000 | 270,640,000 | 135,117,000 |
| other short term finances | |||||||||||||||
| hp & lease commitments | 12,239,000 | 5,891,000 | 7,898,000 | 8,590,000 | 6,455,000 | 1,424,000 | 883,000 | 941,000 | 49,000 | 283,000 | |||||
| other current liabilities | 189,263,000 | 158,471,000 | 171,899,000 | 182,960,000 | 180,611,000 | 137,063,000 | 143,275,000 | 277,773,000 | 227,689,000 | 201,094,000 | 203,471,000 | 239,625,000 | 220,278,000 | 170,579,000 | 114,976,000 |
| total current liabilities | 1,306,442,000 | 948,630,000 | 1,001,710,000 | 1,029,683,000 | 1,082,776,000 | 1,056,352,000 | 1,011,190,000 | 828,522,000 | 527,221,000 | 457,791,000 | 393,185,000 | 570,045,000 | 596,515,000 | 451,021,000 | 258,170,000 |
| loans | |||||||||||||||
| hp & lease commitments | 63,418,000 | 76,302,000 | 88,906,000 | 98,988,000 | 112,314,000 | 160,000 | 69,000 | ||||||||
| Accruals and Deferred Income | 5,613,000 | 5,036,000 | 10,917,000 | 5,085,000 | 6,554,000 | 6,289,000 | 6,337,000 | 6,083,000 | 6,391,000 | 6,114,000 | 5,150,000 | 5,072,000 | |||
| other liabilities | 4,222,000 | 3,127,000 | 2,627,000 | ||||||||||||
| provisions | 2,501,000 | 12,420,000 | 9,669,000 | ||||||||||||
| total long term liabilities | 71,532,000 | 93,758,000 | 109,492,000 | 104,073,000 | 118,868,000 | 6,289,000 | 6,337,000 | 6,083,000 | 6,391,000 | 6,114,000 | 5,150,000 | 5,072,000 | 4,222,000 | 3,287,000 | 2,696,000 |
| total liabilities | 1,377,974,000 | 1,042,388,000 | 1,111,202,000 | 1,133,756,000 | 1,201,644,000 | 1,062,641,000 | 1,017,527,000 | 834,605,000 | 533,612,000 | 463,905,000 | 398,335,000 | 575,117,000 | 600,737,000 | 454,308,000 | 260,866,000 |
| net assets | 543,185,000 | 540,139,000 | 381,413,000 | 347,669,000 | 280,196,000 | 272,701,000 | 181,320,000 | 168,755,000 | 107,893,000 | 156,058,000 | 157,375,000 | 65,231,000 | 92,174,000 | 103,377,000 | 83,637,000 |
| total shareholders funds | 543,185,000 | 540,139,000 | 381,413,000 | 347,669,000 | 280,196,000 | 272,701,000 | 181,320,000 | 168,755,000 | 107,893,000 | 156,058,000 | 157,375,000 | 65,231,000 | 92,174,000 | 103,377,000 | 83,637,000 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 388,607,000 | 556,809,000 | 638,697,000 | 471,228,000 | 372,471,000 | 345,930,000 | 268,580,000 | 228,944,000 | 315,000,000 | 304,961,000 | 313,180,000 | 260,187,000 | 250,776,000 | 206,687,000 | 148,105,000 |
| Depreciation | 14,008,000 | 13,343,000 | 19,231,000 | 18,083,000 | 16,080,000 | 8,827,000 | 8,708,000 | 9,068,000 | 8,313,000 | 6,016,000 | 10,913,000 | 9,235,000 | 7,692,000 | 6,078,000 | 6,703,000 |
| Amortisation | 32,516,000 | 16,501,000 | 13,566,000 | 12,203,000 | 11,877,000 | 11,380,000 | 12,226,000 | 10,742,000 | 3,525,000 | 3,485,000 | |||||
| Tax | -93,661,000 | -105,342,000 | -117,947,000 | -100,149,000 | -74,046,000 | -66,173,000 | -51,468,000 | -50,331,000 | -65,539,000 | -65,829,000 | -72,612,000 | -63,230,000 | -62,433,000 | -56,458,000 | -40,146,000 |
| Stock | |||||||||||||||
| Debtors | 259,985,000 | 105,260,000 | -1,363,000 | -23,052,000 | 88,411,000 | 157,242,000 | 160,095,000 | 323,959,000 | -1,812,000 | 34,690,000 | -45,159,000 | -37,244,000 | 89,091,000 | 169,384,000 | 248,983,000 |
| Creditors | -7,574,000 | -10,869,000 | 1,720,000 | 6,944,000 | -6,801,000 | -963,000 | -1,720,000 | -3,265,000 | 8,541,000 | 5,422,000 | 2,557,000 | 226,000 | -2,373,000 | 1,959,000 | 7,794,000 |
| Accruals and Deferred Income | 31,369,000 | -19,309,000 | -5,229,000 | 880,000 | 43,813,000 | -6,260,000 | -134,244,000 | 49,776,000 | 26,872,000 | -1,413,000 | -36,076,000 | 24,419,000 | 49,699,000 | 55,603,000 | 114,976,000 |
| Deferred Taxes & Provisions | -9,919,000 | 2,751,000 | 9,669,000 | ||||||||||||
| Cash flow from operations | 95,361,000 | 348,624,000 | 561,070,000 | 432,241,000 | 274,983,000 | 135,499,000 | -58,013,000 | -79,025,000 | 298,524,000 | 217,952,000 | 263,121,000 | 268,081,000 | 154,270,000 | 44,485,000 | -11,551,000 |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -20,747,000 | 20,695,000 | -58,000 | 52,000 | 18,000 | 40,000 | |||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 328,246,000 | -26,776,000 | -17,940,000 | -64,521,000 | -16,778,000 | 52,337,000 | 318,886,000 | 254,482,000 | 35,718,000 | 60,137,000 | -142,380,000 | -45,985,000 | 97,276,000 | 135,523,000 | 135,117,000 |
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | -6,536,000 | -14,611,000 | -10,774,000 | -11,191,000 | 118,769,000 | -1,424,000 | 1,424,000 | -883,000 | -58,000 | 732,000 | -143,000 | 352,000 | |||
| other long term liabilities | -4,222,000 | 1,095,000 | 500,000 | 2,627,000 | |||||||||||
| share issue | |||||||||||||||
| interest | 296,000 | 516,000 | -1,879,000 | -2,227,000 | 7,180,000 | 529,000 | 1,031,000 | 1,241,000 | 691,000 | 1,205,000 | 501,000 | 180,000 | |||
| cash flow from financing | 322,903,000 | -46,844,000 | -25,675,000 | -69,318,000 | 101,875,000 | 53,627,000 | 319,339,000 | 266,731,000 | 36,668,000 | 66,112,000 | -141,687,000 | -49,165,000 | 99,557,000 | 135,391,000 | 213,774,000 |
| cash and cash equivalents | |||||||||||||||
| cash | 63,661,000 | -65,040,000 | 32,539,000 | 50,726,000 | -12,120,000 | -53,021,000 | 38,530,000 | 22,577,000 | -11,485,000 | -6,367,000 | -36,051,000 | -13,897,000 | 40,501,000 | 41,091,000 | 81,412,000 |
| overdraft | |||||||||||||||
| change in cash | 63,661,000 | -65,040,000 | 32,539,000 | 50,726,000 | -12,120,000 | -53,021,000 | 38,530,000 | 22,577,000 | -11,485,000 | -6,367,000 | -36,051,000 | -13,897,000 | 40,501,000 | 41,091,000 | 81,412,000 |
eui limited Credit Report and Business Information
Eui Limited Competitor Analysis
Perform a competitor analysis for eui limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in CF10 area or any other competitors across 12 key performance metrics.
eui limited Ownership
EUI LIMITED group structure
Eui Limited has no subsidiary companies.
eui limited directors
Eui Limited currently has 6 directors. The longest serving directors include Ms Helen Molyneux (Oct 2017) and Mr Andrew Crossley (Mar 2018).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Ms Helen Molyneux | 60 years | Oct 2017 | - | Director | |
| Mr Andrew Crossley | United Kingdom | 68 years | Mar 2018 | - | Director |
| Mr Tom Scott | United Kingdom | 57 years | Dec 2019 | - | Director |
| Mr Alistair Hargreaves | United Kingdom | 46 years | Jan 2020 | - | Director |
| Mr Robert Townend | 57 years | Nov 2020 | - | Director | |
| Mrs Rachel Lewis | Wales | 45 years | May 2024 | - | Director |
P&L
December 2023turnover
264.1m
+12%
operating profit
388.6m
-30%
gross margin
79.1%
-1.24%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
543.2m
+0.01%
total assets
1.9b
+0.21%
cash
173.1m
+0.58%
net assets
Total assets minus all liabilities
eui limited company details
company number
02686904
Type
Private limited with Share Capital
industry
65110 - Life insurance
65120 - Non-life insurance
incorporation date
February 1992
age
33
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
admiral insurance services limited (July 2006)
dial insurance services limited (September 1992)
accountant
-
auditor
DELOITTE LLP
address
ty admiral david street, cardiff, CF10 2EH
Bank
LLOYDS TSB BANK PLC
Legal Advisor
-
eui limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 9 charges/mortgages relating to eui limited. Currently there are 6 open charges and 3 have been satisfied in the past.
eui limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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eui limited Companies House Filings - See Documents
| date | description | view/download |
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