BUPA FINANCE PLC.
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-07-11 (in 2mo)
Last made up 2025-06-27
Watchouts
None on the register
Cash
£2B
+1% vs 2024
Net assets
£8B
+7.5% vs 2024
Employees
103,649
+6.2% vs 2024
Profit before tax
£1B
-0.8% vs 2024
Name history
Renamed 1 time since incorporation
- BUPA FINANCE PLC. 1993-04-14 → present
- STRONGSPIRAL PUBLIC LIMITED COMPANY 1993-01-13 → 1993-04-14
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £16,924,000,000 | £18,154,000,000 | |
| Operating profit | £951,000,000 | £985,000,000 | |
| Profit before tax | £1,156,000,000 | £1,147,000,000 | |
| Net profit | £855,000,000 | £859,000,000 | |
| Cash | £1,992,000,000 | £2,011,000,000 | |
| Total assets less current liabilities | £12,979,000,000 | £12,352,000,000 | |
| Net assets | £7,713,000,000 | £8,294,000,000 | |
| Equity | £7,713,000,000 | £8,294,000,000 | |
| Average employees | 97,585 | 103,649 | |
| Wages | £2,977,000,000 | £3,259,000,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 5.6% | 5.4% | |
| Net margin | 5.1% | 4.7% | |
| Return on capital employed | 7.3% | 8.0% | |
| Gearing (liabilities / total assets) | 51.9% | 48.2% | |
| Current ratio | 1.21x | 1.05x | |
| Interest cover | 4.83x | 3.66x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Following its review and subsequent recommendation from the Bupa Board Audit Committee, the Directors confirmed that they have a reasonable expectation that the Company and its Group have adequate resources to continue in operational existence for the next 12 months. Accordingly, the Directors continue to adopt the going concern basis in preparing the financial statements.”
Group structure
- BUPA FINANCE PLC. · parent
- Bupa Aged Care Australasia Pty Limited 100%
- Bupa ANZ Finance Pty Ltd 100%
- Bupa Care Services (NZ) Limited 100%
- Sanitas SG 70%
- Bupa Insurance Services Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 38 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAMPBELL, Colin Robert | Secretary | 2019-07-01 | — | — |
| BINMORE, Clare | Director | 2022-10-25 | Mar 1973 | British |
| EVANS, Gareth Morris | Director | 2008-08-07 | Apr 1973 | British |
| FIELDING, Stephanie Margaret | Director | 2022-10-25 | Jan 1971 | Australian |
| LENTON, James Alan | Director | 2021-11-16 | Jul 1975 | British |
Show 38 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEAZLEY, Nicholas Tetley | Secretary | 2005-09-01 | 2013-05-19 |
| BOURKE, Evelyn Brigid | Secretary | 2013-05-20 | 2016-01-01 |
| SANDERS, Julian Philip | Secretary | 2016-01-01 | 2019-06-30 |
| WALFORD, Arthur David | Secretary | 1993-03-26 | 2005-09-01 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1993-01-13 | 1993-03-26 |
| BEAZLEY, Nicholas Tetley | Director | 2006-09-01 | 2013-05-19 |
| BEAZLEY, Nicholas Tetley | Director | 2005-09-01 | 2006-03-01 |
| BOURKE, Evelyn Brigid | Director | 2012-10-19 | 2016-06-13 |
| DAVIES, Christopher Grey | Director | 1993-03-26 | 2003-11-21 |
| DAVIES, Julian Peter | Director | 1993-03-26 | 2008-05-23 |
| DOLAN, Siobhan Kathleen | Director | 2018-01-01 | 2022-09-01 |
| DONALD, Alan Charles | Director | 1998-03-27 | 1999-04-20 |
| DUGDALE, Michael Ian | Director | 2002-01-01 | 2005-09-15 |
| ELLERBY, Mark | Director | 1994-09-23 | 1999-04-20 |
| GOODACRE, Ian Jonathan | Director | 2008-01-02 | 2013-03-26 |
| GREGORY, Fraser David | Director | 2007-11-01 | 2010-06-21 |
| HAMPTON, Mark Richard | Director | 2006-02-07 | 2008-08-07 |
| HAMPTON, Mark Richard | Director | 2005-09-17 | 2005-09-30 |
| HARRIS, Fiona | Director | 2015-07-24 | 2016-06-30 |
| HOLDEN, Dean Allan | Director | 1999-04-20 | 2001-12-31 |
| JACOBS, Peter Alan | Director | 1997-11-14 | 1998-07-31 |
| JENNINGS, Keith | Director | 2016-06-30 | 2016-12-05 |
| KEE, Fergus Alexander | Director | 1993-03-26 | 1994-09-23 |
| KENT, Benjamin David Jemphrey | Director | 2011-06-09 | 2012-10-19 |
| KENT, Benjamin David Jemphrey | Director | 2006-02-07 | 2007-11-01 |
| KENT, Benjamin David Jemphrey | Director | 2005-09-01 | 2005-09-30 |
| KING, Raymond | Director | 2001-08-01 | 2008-05-15 |
| LEA, Edward William | Director | 1993-03-26 | 2001-09-13 |
| LINTON, Joy | Director | 2016-06-13 | 2021-03-04 |
| LOS, Steven Michael | Director | 2010-06-21 | 2015-01-26 |
| MERCHANT, Mahboob Ali | Director | 2008-05-23 | 2015-12-31 |
| POTKINS, Martin | Director | 2021-01-01 | 2021-12-31 |
| POTKINS, Martin | Director | 2015-01-27 | 2019-02-01 |
| RICHARDSON, Charles Austen | Director | 2011-06-09 | 2018-01-01 |
| ROBERTS, Gareth Huw | Director | 2019-02-01 | 2022-09-16 |
| SINGER, Thomas Daniel | Director | 2008-05-15 | 2011-09-16 |
| WALFORD, Arthur David | Director | 1995-10-18 | 2005-09-01 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1993-01-13 | 1993-03-26 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The British United Provident Association Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 236 total filings
Material constitutional events — rename, articles re-file, resolution
- 2021-09-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-25 | AA | accounts | Accounts with accounts type group | |
| 2025-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-19 | AA | accounts | Accounts with accounts type group | |
| 2024-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-15 | AA | accounts | Accounts with accounts type group | |
| 2023-06-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-28 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-06-27 | AA | accounts | Accounts with accounts type group | |
| 2022-10-26 | AP01 | officers | Appoint person director company with name date | |
| 2022-10-26 | AP01 | officers | Appoint person director company with name date | |
| 2022-09-21 | TM01 | officers | Termination director company with name termination date | |
| 2022-09-16 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-07 | CH01 | officers | Change person director company with change date | |
| 2022-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-13 | AA | accounts | Accounts with accounts type group | |
| 2022-01-04 | TM01 | officers | Termination director company with name termination date | |
| 2021-11-18 | AP01 | officers | Appoint person director company with name date | |
| 2021-09-23 | RESOLUTIONS | resolution | Resolution | |
| 2021-06-29 | AUD | auditors | Auditors resignation company | |
| 2021-06-22 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+7.3%
£16,924,000,000 £18,154,000,000
-
Cash
+1%
£1,992,000,000 £2,011,000,000
-
Net assets
+7.5%
£7,713,000,000 £8,294,000,000
-
Employees
+6.2%
97,585 103,649
-
Operating profit
+3.6%
£951,000,000 £985,000,000
-
Profit before tax
-0.8%
£1,156,000,000 £1,147,000,000
-
Wages
+9.5%
£2,977,000,000 £3,259,000,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers