pearl life holdings limited
pearl life holdings limited Company Information
Company Number
04560778
Website
http://phoenixlife.co.ukRegistered Address
1 wythall green way, wythall, birmingham, B47 6WG
Industry
Activities of financial services holding companies
Telephone
08708870001
Next Accounts Due
September 2024
Group Structure
View All
Shareholders
impala holdings ltd 100%
pearl life holdings limited Estimated Valuation
The estimated valuation range for pearl life holdings limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £979.9m to £6.2b
pearl life holdings limited Estimated Valuation
The estimated valuation range for pearl life holdings limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £979.9m to £6.2b
pearl life holdings limited Estimated Valuation
The estimated valuation range for pearl life holdings limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £979.9m to £6.2b
Get a detailed valuation report, edit figures and unlock valuation multiples.
Pearl Life Holdings Limited AI Business Plan
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Pearl Life Holdings Limited Overview
Pearl Life Holdings Limited is a live company located in birmingham, B47 6WG with a Companies House number of 04560778. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in October 2002, it's largest shareholder is impala holdings ltd with a 100% stake. Pearl Life Holdings Limited is a mature, mega sized company, Pomanda has estimated its turnover at £390.3m with healthy growth in recent years.
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Pearl Life Holdings Limited Health Check
Pomanda's financial health check has awarded Pearl Life Holdings Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 0 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
0 Weak
Size
annual sales of £390.3m, make it larger than the average company (£10.4m)
£390.3m - Pearl Life Holdings Limited
£10.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 7%, show it is growing at a similar rate (8.4%)
7% - Pearl Life Holdings Limited
8.4% - Industry AVG
Production
with a gross margin of 77.5%, this company has a comparable cost of product (77.5%)
77.5% - Pearl Life Holdings Limited
77.5% - Industry AVG
Profitability
an operating margin of 123.1% make it more profitable than the average company (11%)
123.1% - Pearl Life Holdings Limited
11% - Industry AVG
Employees
with 1837 employees, this is above the industry average (63)
- Pearl Life Holdings Limited
63 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- Pearl Life Holdings Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £212.5k, this is equally as efficient (£212.6k)
- Pearl Life Holdings Limited
£212.6k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Pearl Life Holdings Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Pearl Life Holdings Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Pearl Life Holdings Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Pearl Life Holdings Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 13.4%, this is a lower level of debt than the average (58%)
13.4% - Pearl Life Holdings Limited
58% - Industry AVG
pearl life holdings limited Credit Report and Business Information
Pearl Life Holdings Limited Competitor Analysis
Perform a competitor analysis for pearl life holdings limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.
pearl life holdings limited Ownership
PEARL LIFE HOLDINGS LIMITED group structure
Pearl Life Holdings Limited has 18 subsidiary companies.
Ultimate parent company
2 parents
PEARL LIFE HOLDINGS LIMITED
04560778
18 subsidiaries
pearl life holdings limited directors
Pearl Life Holdings Limited currently has 2 directors. The longest serving directors include Mr William Swift (Aug 2020) and Ms Katherine Jones (Nov 2022).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr William Swift | United Kingdom | 44 years | Aug 2020 | - | Director |
| Ms Katherine Jones | United Kingdom | 42 years | Nov 2022 | - | Director |
PEARL LIFE HOLDINGS LIMITED financials
Pearl Life Holdings Limited's latest turnover from December 2022 is £390.3 million and the company has net assets of £3.9 billion. According to their latest financial statements, we estimate that Pearl Life Holdings Limited has 1,837 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| 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 | 390,300,000 | 20,200,000 | 279,600,000 | 318,500,000 | 224,900,000 | 705,800,000 | 380,600,000 | 2,939,500,000 | 0 | 346,600,000 | 945,900,000 | 630,500,000 | 390,500,000 | 585,800,000 |
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | ||||||||||||||
| Gross Profit | ||||||||||||||
| Admin Expenses | ||||||||||||||
| Operating Profit | ||||||||||||||
| Interest Payable | 5,200,000 | 1,700,000 | 6,400,000 | 8,100,000 | 48,000,000 | 52,500,000 | 53,300,000 | 109,800,000 | 112,400,000 | 109,900,000 | 141,800,000 | 136,700,000 | 128,800,000 | 178,500,000 |
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre-Tax Profit | 383,000,000 | 6,200,000 | 212,300,000 | 309,000,000 | 167,500,000 | 186,000,000 | 261,800,000 | 319,000,000 | 145,200,000 | 236,300,000 | 544,300,000 | 493,800,000 | 261,700,000 | 393,500,000 |
| Tax | 2,300,000 | 3,600,000 | 400,000 | 11,200,000 | 4,600,000 | 31,500,000 | 13,000,000 | 21,200,000 | 17,400,000 | 6,700,000 | -3,600,000 | 32,700,000 | 800,000 | 17,800,000 |
| Profit After Tax | 385,300,000 | 9,800,000 | 212,700,000 | 320,200,000 | 172,100,000 | 217,500,000 | 274,800,000 | 340,200,000 | 162,600,000 | 243,000,000 | 540,700,000 | 526,500,000 | 262,500,000 | 411,300,000 |
| Dividends Paid | 0 | 0 | 0 | 0 | 70,000,000 | 316,400,000 | 372,300,000 | 735,100,000 | 0 | 0 | 1,287,100,000 | 0 | 0 | 0 |
| Retained Profit | 385,300,000 | 9,800,000 | 212,700,000 | 320,200,000 | 102,100,000 | -98,900,000 | -97,500,000 | -394,900,000 | 162,600,000 | 243,000,000 | -746,400,000 | 526,500,000 | 262,500,000 | 411,300,000 |
| Employee Costs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Number Of Employees | ||||||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| 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 | 4,521,900,000 | 4,001,600,000 | 2,890,900,000 | 3,466,600,000 | 3,140,700,000 | 3,613,600,000 | 3,773,100,000 | 1,793,200,000 | 6,065,200,000 | 5,976,600,000 | 5,415,600,000 | 6,546,200,000 | 6,299,600,000 | 5,977,500,000 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 3,674,500,000 | 3,168,800,000 | 2,844,100,000 | 2,674,400,000 | 2,573,400,000 | 2,379,300,000 | 2,596,900,000 | 1,781,900,000 | 4,285,600,000 | 4,394,900,000 | 4,351,900,000 | 4,611,700,000 | 4,611,700,000 | 4,611,700,000 |
| Debtors (Due After 1 year) | 821,400,000 | 805,900,000 | 23,400,000 | 767,900,000 | 551,600,000 | 1,187,800,000 | 1,161,800,000 | 0 | 1,779,600,000 | 0 | 0 | 0 | 1,687,900,000 | 1,365,800,000 |
| Total Fixed Assets | 4,495,900,000 | 3,974,700,000 | 2,867,500,000 | 3,442,300,000 | 3,140,700,000 | 3,613,600,000 | 3,773,100,000 | 1,793,200,000 | 6,065,200,000 | 5,976,600,000 | 5,415,600,000 | 6,546,200,000 | 6,299,600,000 | 5,977,500,000 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 900,000 | 1,300,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 300,000 | 1,000,000 | 0 | 3,300,000 | 35,800,000 | 100,000 | 10,100,000 | 1,289,200,000 | 17,500,000 | 6,900,000 | 34,700,000 | 213,100,000 | 129,200,000 | 117,000,000 |
| Misc Debtors | 0 | 100,000 | 765,000,000 | 900,000 | 0 | 0 | 0 | 0 | 0 | 4,800,000 | 0 | 0 | 0 | 600,000 |
| Cash | 0 | 1,700,000 | 13,300,000 | 7,100,000 | 25,900,000 | 5,000,000 | 0 | 0 | 0 | 0 | 8,100,000 | 3,100,000 | 90,200,000 | 66,500,000 |
| misc current assets | 17,800,000 | 19,300,000 | 193,500,000 | 1,100,000 | 1,300,000 | 78,600,000 | 73,900,000 | 182,400,000 | 242,700,000 | 292,300,000 | 476,800,000 | 374,500,000 | 21,400,000 | 29,200,000 |
| total current assets | 18,100,000 | 22,100,000 | 971,800,000 | 12,700,000 | 63,900,000 | 85,000,000 | 84,000,000 | 1,471,600,000 | 260,200,000 | 304,000,000 | 519,600,000 | 590,700,000 | 240,800,000 | 213,300,000 |
| total assets | 4,514,000,000 | 3,996,800,000 | 3,839,300,000 | 3,455,000,000 | 3,204,600,000 | 3,698,600,000 | 3,857,100,000 | 3,264,800,000 | 6,325,400,000 | 6,280,600,000 | 5,935,200,000 | 7,136,900,000 | 6,540,400,000 | 6,190,800,000 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 541,400,000 | 33,900,000 | 253,200,000 | 0 | 63,300,000 | 601,000,000 | 568,900,000 | 887,300,000 | 700,800,000 | 597,200,000 | 531,600,000 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 503,300,000 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 5,000,000 | 573,900,000 | 179,000,000 | 7,700,000 | 18,000,000 | 52,800,000 | 32,500,000 | 16,600,000 | 50,700,000 | 53,300,000 | 101,800,000 | 102,900,000 | 623,200,000 | 635,400,000 |
| total current liabilities | 546,400,000 | 607,800,000 | 432,200,000 | 7,700,000 | 81,300,000 | 653,800,000 | 601,400,000 | 903,900,000 | 751,500,000 | 650,500,000 | 633,400,000 | 606,200,000 | 623,200,000 | 635,400,000 |
| loans | 51,500,000 | 51,500,000 | 33,500,000 | 281,500,000 | 275,600,000 | 301,800,000 | 636,600,000 | 63,300,000 | 2,881,400,000 | 3,100,200,000 | 3,014,900,000 | 3,497,400,000 | 3,410,400,000 | 3,311,100,000 |
| hp & lease commitments | 0 | 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 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 16,800,000 | 0 | 123,000,000 | 149,600,000 | 148,000,000 | 139,000,000 | 41,800,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 59,900,000 | 51,500,000 | 95,000,000 | 356,300,000 | 349,600,000 | 371,300,000 | 657,500,000 | 63,300,000 | 2,881,400,000 | 3,100,200,000 | 3,014,900,000 | 3,497,400,000 | 3,410,400,000 | 3,311,100,000 |
| total liabilities | 606,300,000 | 659,300,000 | 527,200,000 | 364,000,000 | 430,900,000 | 1,025,100,000 | 1,258,900,000 | 967,200,000 | 3,632,900,000 | 3,750,700,000 | 3,648,300,000 | 4,103,600,000 | 4,033,600,000 | 3,946,500,000 |
| net assets | 3,907,700,000 | 3,337,500,000 | 3,312,100,000 | 3,091,000,000 | 2,773,700,000 | 2,673,500,000 | 2,598,200,000 | 2,297,600,000 | 2,692,500,000 | 2,529,900,000 | 2,286,900,000 | 3,033,300,000 | 2,506,800,000 | 2,244,300,000 |
| total shareholders funds | 3,907,700,000 | 3,337,500,000 | 3,312,100,000 | 3,091,000,000 | 2,773,700,000 | 2,673,500,000 | 2,598,200,000 | 2,297,600,000 | 2,692,500,000 | 2,529,900,000 | 2,286,900,000 | 3,033,300,000 | 2,506,800,000 | 2,244,300,000 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 2,300,000 | 3,600,000 | 400,000 | 11,200,000 | 4,600,000 | 31,500,000 | 13,000,000 | 21,200,000 | 17,400,000 | 6,700,000 | -3,600,000 | 32,700,000 | 800,000 | 17,800,000 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 14,700,000 | 18,600,000 | 16,300,000 | 183,800,000 | -600,900,000 | 17,300,000 | -117,300,000 | -507,900,000 | 1,785,400,000 | -23,000,000 | -178,400,000 | -1,604,000,000 | 333,700,000 | 1,483,400,000 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | -568,900,000 | 394,900,000 | 171,300,000 | -10,300,000 | -34,800,000 | 20,300,000 | 15,900,000 | -34,100,000 | -2,600,000 | -48,500,000 | -1,100,000 | -520,300,000 | -12,200,000 | 635,400,000 |
| Deferred Taxes & Provisions | 16,800,000 | -123,000,000 | -26,600,000 | 1,600,000 | 9,000,000 | 97,200,000 | 41,800,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | 505,700,000 | 324,700,000 | 169,700,000 | 101,000,000 | 194,100,000 | -217,600,000 | 815,000,000 | -2,503,700,000 | -109,300,000 | 43,000,000 | -259,800,000 | 0 | 0 | 4,611,700,000 |
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 507,500,000 | -219,300,000 | 253,200,000 | -63,300,000 | -537,700,000 | 32,100,000 | -318,400,000 | 186,500,000 | 103,600,000 | 65,600,000 | 531,600,000 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -503,300,000 | 503,300,000 | 0 | 0 |
| Long term loans | 0 | 18,000,000 | -248,000,000 | 5,900,000 | -26,200,000 | -334,800,000 | 573,300,000 | -2,818,100,000 | -218,800,000 | 85,300,000 | -482,500,000 | 87,000,000 | 99,300,000 | 3,311,100,000 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | -5,200,000 | -1,700,000 | -6,400,000 | -8,100,000 | -48,000,000 | -52,500,000 | -53,300,000 | -109,800,000 | -112,400,000 | -109,900,000 | -141,800,000 | -136,700,000 | -128,800,000 | -178,500,000 |
| cash flow from financing | 687,200,000 | -187,400,000 | 7,200,000 | -68,400,000 | -613,800,000 | -181,000,000 | 599,700,000 | -2,741,400,000 | -227,600,000 | 41,000,000 | -596,000,000 | 453,600,000 | -29,500,000 | 4,965,600,000 |
| cash and cash equivalents | ||||||||||||||
| cash | -1,700,000 | -11,600,000 | 6,200,000 | -18,800,000 | 20,900,000 | 5,000,000 | 0 | 0 | 0 | -8,100,000 | 5,000,000 | -87,100,000 | 23,700,000 | 66,500,000 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,700,000 | -11,600,000 | 6,200,000 | -18,800,000 | 20,900,000 | 5,000,000 | 0 | 0 | 0 | -8,100,000 | 5,000,000 | -87,100,000 | 23,700,000 | 66,500,000 |
P&L
December 2022turnover
390.3m
+1832%
operating profit
480.5m
0%
gross margin
77.5%
-1.14%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2022net assets
3.9b
+0.17%
total assets
4.5b
+0.13%
cash
0
-1%
net assets
Total assets minus all liabilities
pearl life holdings limited company details
company number
04560778
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
October 2002
age
22
accounts
Full Accounts
ultimate parent company
previous names
resolution life limited (May 2008)
trushelfco (no.2928) limited (February 2003)
incorporated
UK
address
1 wythall green way, wythall, birmingham, B47 6WG
last accounts submitted
December 2022
pearl life holdings 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 2 charges/mortgages relating to pearl life holdings limited. Currently there are 1 open charges and 1 have been satisfied in the past.
pearl life holdings limited Companies House Filings - See Documents
| date | description | view/download |
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