bupa finance plc.
bupa finance plc. Company Information
Company Number
02779134
Website
www.bupa.co.ukRegistered Address
1 angel court, london, EC2R 7HJ
Industry
Other business support service activities n.e.c.
Telephone
08082562489
Next Accounts Due
June 2025
Group Structure
View All
Shareholders
british united provident association ltd 100%
bupa finance plc. Estimated Valuation
Pomanda estimates the enterprise value of BUPA FINANCE PLC. at £17.4b based on a Turnover of £15.1b and 1.15x industry multiple (adjusted for size and gross margin).
bupa finance plc. Estimated Valuation
Pomanda estimates the enterprise value of BUPA FINANCE PLC. at £14b based on an EBITDA of £1.6b and a 8.79x industry multiple (adjusted for size and gross margin).
bupa finance plc. Estimated Valuation
Pomanda estimates the enterprise value of BUPA FINANCE PLC. at £17.9b based on Net Assets of £7b and 2.57x industry multiple (adjusted for liquidity).
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Bupa Finance Plc. Overview
Bupa Finance Plc. is a live company located in london, EC2R 7HJ with a Companies House number of 02779134. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in January 1993, it's largest shareholder is british united provident association ltd with a 100% stake. Bupa Finance Plc. is a mature, mega sized company, Pomanda has estimated its turnover at £15.1b with healthy growth in recent years.
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Bupa Finance Plc. Health Check
Pomanda's financial health check has awarded Bupa Finance Plc. a 5 rating. We use a traffic light system to show it exceeds the industry average on 8 measures and has 0 areas for improvement. Company Health Check FAQs
8 Strong
4 Regular
0 Weak
Size
annual sales of £15.1b, make it larger than the average company (£4.5m)
£15.1b - Bupa Finance Plc.
£4.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 8%, show it is growing at a similar rate (6.4%)
8% - Bupa Finance Plc.
6.4% - Industry AVG
Production
with a gross margin of 31.7%, this company has a comparable cost of product (37.5%)
31.7% - Bupa Finance Plc.
37.5% - Industry AVG
Profitability
an operating margin of 7.4% make it more profitable than the average company (5.7%)
7.4% - Bupa Finance Plc.
5.7% - Industry AVG
Employees
with 84682 employees, this is above the industry average (26)
84682 - Bupa Finance Plc.
26 - Industry AVG
Pay Structure
on an average salary of £33.9k, the company has a lower pay structure (£52.6k)
£33.9k - Bupa Finance Plc.
£52.6k - Industry AVG
Efficiency
resulting in sales per employee of £178.5k, this is equally as efficient (£167.7k)
£178.5k - Bupa Finance Plc.
£167.7k - Industry AVG
Debtor Days
it gets paid by customers after 10 days, this is earlier than average (41 days)
10 days - Bupa Finance Plc.
41 days - Industry AVG
Creditor Days
its suppliers are paid after 103 days, this is slower than average (31 days)
103 days - Bupa Finance Plc.
31 days - Industry AVG
Stock Days
it holds stock equivalent to 2 days, this is less than average (32 days)
2 days - Bupa Finance Plc.
32 days - Industry AVG
Cash Balance
has cash to cover current liabilities for 23 weeks, this is average cash available to meet short term requirements (23 weeks)
23 weeks - Bupa Finance Plc.
23 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 54.3%, this is a lower level of debt than the average (61.9%)
54.3% - Bupa Finance Plc.
61.9% - Industry AVG
BUPA FINANCE PLC. financials
Bupa Finance Plc.'s latest turnover from December 2023 is £15.1 billion and the company has net assets of £7 billion. According to their latest financial statements, Bupa Finance Plc. has 84,682 employees and maintains cash reserves of £2.3 billion 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 | 15,116,000,000 | 14,081,000,000 | 12,903,000,000 | 12,142,000,000 | 12,316,000,000 | 11,859,000,000 | 12,249,000,000 | 11,047,900,000 | 9,828,400,000 | 9,777,800,000 | 9,058,700,000 | 8,373,700,000 | 8,016,200,000 | 7,576,000,000 | 6,941,400,000 |
| Other Income Or Grants | 0 | 0 | |||||||||||||
| Cost Of Sales | 10,325,000,000 | 9,361,000,000 | |||||||||||||
| Gross Profit | 4,791,000,000 | 4,720,000,000 | |||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | 215,000,000 | 174,000,000 | 92,000,000 | 105,000,000 | 162,000,000 | 103,000,000 | 98,000,000 | 240,800,000 | 117,400,000 | 118,000,000 | 88,300,000 | 71,000,000 | 76,000,000 | 83,300,000 | 74,100,000 |
| Interest Receivable | 363,000,000 | 174,000,000 | |||||||||||||
| Pre-Tax Profit | 717,000,000 | -269,000,000 | 537,000,000 | 488,000,000 | 35,000,000 | 614,000,000 | 726,000,000 | 630,400,000 | 461,900,000 | 695,200,000 | 604,400,000 | 661,000,000 | 289,900,000 | 168,000,000 | 423,700,000 |
| Tax | -177,000,000 | -130,000,000 | 0 | -112,000,000 | -154,000,000 | -211,000,000 | -115,000,000 | -153,900,000 | -112,600,000 | -100,600,000 | -117,900,000 | -150,500,000 | -96,200,000 | -137,000,000 | -113,700,000 |
| Profit After Tax | 540,000,000 | -399,000,000 | 537,000,000 | 376,000,000 | -119,000,000 | 403,000,000 | 571,000,000 | 476,500,000 | 349,300,000 | 594,600,000 | 486,500,000 | 510,500,000 | 193,700,000 | 31,000,000 | 310,000,000 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 138,300,000 | 135,800,000 | 50,000,000 | 0 | 0 | 0 | 0 |
| Retained Profit | 538,000,000 | -402,000,000 | 534,000,000 | 374,000,000 | -121,000,000 | 397,000,000 | 567,000,000 | 476,500,000 | 211,000,000 | 451,700,000 | 430,700,000 | 500,000,000 | 188,900,000 | 25,200,000 | 298,100,000 |
| Employee Costs | 2,869,000,000 | 2,500,000,000 | 2,239,000,000 | 2,194,000,000 | 2,002,000,000 | 1,905,000,000 | 2,024,000,000 | 1,807,700,000 | 1,570,500,000 | 1,423,300,000 | 1,378,500,000 | 1,210,900,000 | 1,143,600,000 | 1,134,100,000 | 1,070,700,000 |
| Number Of Employees | 84,682 | 79,301 | 79,545 | 77,586 | 77,417 | 77,706 | 87,440 | 64,980 | 61,951 | 60,725 | 51,268 | 44,196 | 41,764 | 41,872 | 41,304 |
| EBITDA* |
* 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 | 4,909,000,000 | 4,963,000,000 | 4,586,000,000 | 4,799,000,000 | 5,014,000,000 | 3,694,000,000 | 3,677,000,000 | 6,007,800,000 | 5,667,700,000 | 3,343,700,000 | 3,086,200,000 | 4,446,900,000 | 3,912,600,000 | 4,603,500,000 | 3,028,000,000 |
| Intangible Assets | 3,405,000,000 | 3,497,000,000 | 3,493,000,000 | 3,806,000,000 | 3,786,000,000 | 4,197,000,000 | 4,244,000,000 | 3,364,300,000 | 2,832,200,000 | 3,047,500,000 | 2,758,800,000 | 2,119,300,000 | 2,186,900,000 | 2,500,300,000 | 2,575,600,000 |
| Investments & Other | 1,832,000,000 | 1,747,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 120,000,000 | 153,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 8,217,000,000 | 8,331,000,000 | 8,079,000,000 | 8,605,000,000 | 8,800,000,000 | 7,891,000,000 | 7,921,000,000 | 9,372,100,000 | 8,499,900,000 | 6,391,200,000 | 5,845,000,000 | 6,566,200,000 | 6,099,500,000 | 7,103,800,000 | 5,603,600,000 |
| Stock & work in progress | 76,000,000 | 91,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 455,000,000 | 445,000,000 | 1,374,000,000 | 1,345,000,000 | 1,416,000,000 | 1,348,000,000 | 1,230,000,000 | 2,200,000 | 200,000 | 934,200,000 | 942,600,000 | 600,000 | 4,900,000 | 4,400,000 | 725,500,000 |
| Group Debtors | 55,000,000 | 50,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 334,000,000 | 440,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 2,278,000,000 | 1,403,000,000 | 1,739,000,000 | 1,706,000,000 | 1,234,000,000 | 1,553,000,000 | 1,505,000,000 | 1,408,900,000 | 1,185,600,000 | 1,186,600,000 | 938,700,000 | 1,251,200,000 | 1,182,100,000 | 689,300,000 | 1,069,400,000 |
| misc current assets | 3,806,000,000 | 3,863,000,000 | 3,816,000,000 | 3,733,000,000 | 3,047,000,000 | 3,068,000,000 | 2,827,000,000 | 1,425,100,000 | 883,200,000 | 2,057,000,000 | 755,500,000 | 1,165,400,000 | 1,221,600,000 | 1,127,000,000 | 1,913,600,000 |
| total current assets | 7,102,000,000 | 6,347,000,000 | 7,855,000,000 | 7,733,000,000 | 6,720,000,000 | 6,942,000,000 | 6,545,000,000 | 3,616,300,000 | 2,851,500,000 | 5,025,900,000 | 4,807,400,000 | 3,149,500,000 | 3,159,200,000 | 3,020,800,000 | 4,959,900,000 |
| total assets | 15,319,000,000 | 14,678,000,000 | 15,934,000,000 | 16,338,000,000 | 15,520,000,000 | 14,833,000,000 | 14,466,000,000 | 12,988,400,000 | 11,351,400,000 | 11,417,100,000 | 10,652,400,000 | 9,715,700,000 | 9,258,700,000 | 10,124,600,000 | 10,563,500,000 |
| Bank overdraft | 0 | 0 | 822,000,000 | 1,191,000,000 | 1,105,000,000 | 1,055,000,000 | 1,170,000,000 | 82,100,000 | 427,900,000 | 67,700,000 | 298,800,000 | 21,400,000 | 24,300,000 | 27,200,000 | 21,800,000 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 2,919,000,000 | 2,673,000,000 | 213,000,000 | 0 | 2,836,000,000 | 2,897,000,000 | 2,754,000,000 | 2,627,700,000 | 2,227,500,000 | 2,240,100,000 | 2,188,800,000 | 2,372,000,000 | 2,150,200,000 | 2,134,500,000 | 2,029,100,000 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 2,134,000,000 | 2,025,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 5,053,000,000 | 4,698,000,000 | 5,185,000,000 | 5,985,000,000 | 8,590,000,000 | 7,352,000,000 | 5,991,000,000 | 6,010,800,000 | 5,248,500,000 | 3,832,900,000 | 4,694,900,000 | 4,066,400,000 | 3,691,800,000 | 4,269,600,000 | 4,871,200,000 |
| loans | 4,778,000,000 | 4,283,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 894,000,000 | 926,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 16,000,000 | 23,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 916,000,000 | 812,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 3,268,000,000 | 3,138,000,000 | 3,726,000,000 | 3,672,000,000 | 470,000,000 | 457,000,000 | 1,678,000,000 | 816,100,000 | 1,077,200,000 | 2,444,200,000 | 1,154,000,000 | 941,100,000 | 973,400,000 | 1,230,600,000 | 1,484,000,000 |
| total liabilities | 8,321,000,000 | 7,836,000,000 | 8,911,000,000 | 9,657,000,000 | 9,060,000,000 | 7,809,000,000 | 7,669,000,000 | 6,826,900,000 | 6,325,700,000 | 6,277,100,000 | 5,848,900,000 | 5,007,500,000 | 4,665,200,000 | 5,500,200,000 | 6,355,200,000 |
| net assets | 6,980,000,000 | 6,822,000,000 | 7,023,000,000 | 6,681,000,000 | 6,460,000,000 | 7,024,000,000 | 6,797,000,000 | 6,161,500,000 | 5,025,700,000 | 5,140,000,000 | 4,803,500,000 | 4,708,200,000 | 4,593,500,000 | 4,624,400,000 | 4,208,300,000 |
| total shareholders funds | 6,980,000,000 | 6,822,000,000 | 7,023,000,000 | 6,681,000,000 | 6,460,000,000 | 7,024,000,000 | 6,797,000,000 | 6,161,500,000 | 5,025,700,000 | 5,140,000,000 | 4,803,500,000 | 4,708,200,000 | 4,593,500,000 | 4,624,400,000 | 4,208,300,000 |
| 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 | |||||||||||||||
| Depreciation | 175,000,000 | 329,000,000 | 324,000,000 | 332,000,000 | 324,000,000 | 181,000,000 | 175,000,000 | 155,800,000 | 140,500,000 | 134,000,000 | 116,200,000 | 160,600,000 | 100,800,000 | 96,100,000 | 95,100,000 |
| Amortisation | 296,000,000 | 175,000,000 | |||||||||||||
| Tax | -177,000,000 | -130,000,000 | 0 | -112,000,000 | -154,000,000 | -211,000,000 | -115,000,000 | -153,900,000 | -112,600,000 | -100,600,000 | -117,900,000 | -150,500,000 | -96,200,000 | -137,000,000 | -113,700,000 |
| Stock | -15,000,000 | 91,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -124,000,000 | -286,000,000 | 29,000,000 | -71,000,000 | 68,000,000 | 118,000,000 | 1,227,800,000 | 2,000,000 | -934,000,000 | -8,400,000 | 942,000,000 | -4,300,000 | 500,000 | -721,100,000 | 725,500,000 |
| Creditors | 246,000,000 | 2,460,000,000 | 213,000,000 | -2,836,000,000 | -61,000,000 | 143,000,000 | 126,300,000 | 400,200,000 | -12,600,000 | 51,300,000 | -183,200,000 | 221,800,000 | 15,700,000 | 105,400,000 | 2,029,100,000 |
| Accruals and Deferred Income | 109,000,000 | 2,025,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 104,000,000 | 812,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 85,000,000 | 1,747,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 495,000,000 | 4,283,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | -32,000,000 | 926,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -7,000,000 | 23,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 148,000,000 | 0 | |||||||||||||
| cash flow from financing | 224,000,000 | 5,433,000,000 | |||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 875,000,000 | -336,000,000 | 33,000,000 | 472,000,000 | -319,000,000 | 48,000,000 | 96,100,000 | 223,300,000 | -1,000,000 | 247,900,000 | -312,500,000 | 69,100,000 | 492,800,000 | -380,100,000 | 1,069,400,000 |
| overdraft | 0 | -822,000,000 | -369,000,000 | 86,000,000 | 50,000,000 | -115,000,000 | 1,087,900,000 | -345,800,000 | 360,200,000 | -231,100,000 | 277,400,000 | -2,900,000 | -2,900,000 | 5,400,000 | 21,800,000 |
| change in cash | 875,000,000 | 486,000,000 | 402,000,000 | 386,000,000 | -369,000,000 | 163,000,000 | -991,800,000 | 569,100,000 | -361,200,000 | 479,000,000 | -589,900,000 | 72,000,000 | 495,700,000 | -385,500,000 | 1,047,600,000 |
bupa finance plc. Credit Report and Business Information
Bupa Finance Plc. Competitor Analysis
Perform a competitor analysis for bupa finance plc. by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other mega companies, companies in EC2R area or any other competitors across 12 key performance metrics.
bupa finance plc. Ownership
BUPA FINANCE PLC. group structure
Bupa Finance Plc. has 19 subsidiary companies.
Ultimate parent company
1 parent
BUPA FINANCE PLC.
02779134
19 subsidiaries
bupa finance plc. directors
Bupa Finance Plc. currently has 4 directors. The longest serving directors include Mr Gareth Evans (Aug 2008) and Mr James Lenton (Nov 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Gareth Evans | United Kingdom | 51 years | Aug 2008 | - | Director |
| Mr James Lenton | United Kingdom | 49 years | Nov 2021 | - | Director |
| Ms Stephanie Fielding | United Kingdom | 53 years | Oct 2022 | - | Director |
| Mrs Clare Binmore | United Kingdom | 51 years | Oct 2022 | - | Director |
P&L
December 2023turnover
15.1b
+7%
operating profit
1.1b
0%
gross margin
31.7%
-5.45%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
7b
+0.02%
total assets
15.3b
+0.04%
cash
2.3b
+0.62%
net assets
Total assets minus all liabilities
Similar Companies
bupa finance plc. company details
company number
02779134
Type
Public limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
January 1993
age
31
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
strongspiral public limited company (April 1993)
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
1 angel court, london, EC2R 7HJ
Bank
-
Legal Advisor
-
bupa finance plc. 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 6 charges/mortgages relating to bupa finance plc.. Currently there are 5 open charges and 1 have been satisfied in the past.
bupa finance plc. Companies House Filings - See Documents
| date | description | view/download |
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