BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
Trading globally as Bupa, the entity is a multinational private company limited by guarantee that provides health insurance, operates medical facilities, and runs aged care homes.
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Cash
—
Latest balance sheet
Net assets
£6.7bn
-4.7% vs 2024
Employees
19,246
+3.8% vs 2024
Profit before tax
£970m
-0.2% vs 2024
Net assets
2-year trend
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|
| Gross written premiums | £12,253,000,000 | £13,503,000,000 | +10.2% | |
| Net earned premiums | £1,652,000,000 | £1,179,000,000 | -28.6% | |
| Claims incurred | £10,600,000,000 | £12,272,000,000 | +15.8% | |
| Investment return | £634,000,000 | £579,000,000 | -8.7% | |
| Profit before tax | £972,000,000 | £970,000,000 | -0.2% | |
| Net profit | £760,000,000 | £725,000,000 | -4.6% | |
| Insurance contract liabilities | £3,064,000,000 | £3,329,000,000 | +8.6% | |
| Total assets | £12,200,000,000 | £12,546,000,000 | +2.8% | |
| Total liabilities | £5,190,000,000 | £5,861,000,000 | +12.9% | |
| Equity | £7,010,000,000 | £6,684,000,000 | -4.7% | |
| Average employees | 18,537 | 19,246 | +3.8% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 42.5% | 46.7% |
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
“We have concluded that the Group has adequate resources to operate for at least twelve months from when the financial statements are authorised for issue.”
Group structure
- BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE) · parent
- Bupa Insurance Services Ltd 100%
- Bupa Health Insurance Ltd 100%
- Bupa Investments Limited 100%
- Bupa Australia Pty Ltd 100%
- Bupa Chile S.A. 99.95%
Significant events
- “In August 2025, the Group completed the acquisition of 100% of New Victoria Hospital, a privately-owned private hospital in Kingston-upon-Thames for a total consideration of £74m.”
- “In November 2025, the Group acquired King Edward VII's Hospital in London, for total consideration of £47m.”
- “In April 2025, the Group also acquired the Guardian Medical Centres group for consideration of £10m, net assets acquired of £8m and goodwill of £2m.”
- “During the year, the Group made disposals for a total consideration paid of £1m, recognising net gain on disposals of £22m.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 64 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAMPBELL, Colin Robert | Secretary | 2019-07-01 | — | — |
| BLAIR, Simon Robert Saunders | Director | 2024-01-25 | Sep 1956 | New Zealander |
| BROADLEY, Philip Arthur John | Director | 2026-04-01 | Jan 1961 | British |
| ERENO IRIBARREN, Ignacio | Director | 2021-01-01 | Feb 1964 | Spanish |
| EVANS, Paul James | Director | 2018-11-01 | Mar 1965 | British |
| HAWKER, Michael John | Director | 2019-04-01 | Oct 1959 | Australian |
| HOLTHOF, Bruno Luc Myriam, Professor | Director | 2026-04-10 | Jul 1961 | Belgian |
| KEERS, Catherine Jane | Director | 2019-11-01 | Feb 1965 | British |
| LENTON, James Alan | Director | 2021-11-11 | Jul 1975 | British |
| ROBERT, Donald Austin | Director | 2025-02-27 | May 1959 | American |
| RODRIGUEZ INCIARTE, Matias | Director | 2019-01-01 | Mar 1948 | Spanish |
| WHITEHEAD, Gillian Rosemary | Director | 2026-04-10 | Mar 1977 | British |
Show 64 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEAZLEY, Nicholas Tetley | Secretary | 2005-06-01 | 2013-05-19 |
| BUCHANAN, Alan Kerr | Secretary | 2013-10-07 | 2014-05-02 |
| SANDERS, Julian Philip | Secretary | 2014-07-21 | 2019-06-30 |
| WALFORD, Arthur David | Secretary | — | 2005-09-01 |
| BUPA SECRETARIES LIMITED | Corporate Secretary | 2014-05-02 | 2014-07-21 |
| BUPA SECRETARIES LIMITED | Corporate Secretary | 2013-05-19 | 2013-10-07 |
| BHOW, Gunjan Dhanesh | Director | 2022-04-01 | 2024-05-10 |
| BLAIR, Simon Robert Saunders | Director | 2016-01-12 | 2019-01-11 |
| BOTTOMLEY, Virginia Hilda Brunette Maxwell, Baroness | Director | 2007-05-01 | 2013-04-30 |
| BOURKE, Evelyn Brigid | Director | 2012-10-12 | 2020-12-31 |
| BOUSFIELD, Clare Jane | Director | 2024-01-25 | 2025-12-31 |
| BOYLE, David Spencer | Director | 1993-02-01 | 2002-04-23 |
| BROWN, Roy Drysdale | Director | 2001-04-01 | 2007-06-30 |
| BYRNE, Edward, Professor | Director | 2008-05-01 | 2009-06-30 |
| CAWDRON, Peter Edward Blackburn | Director | 2007-05-01 | 2014-06-11 |
| CHURCHILL, Lawrence | Director | 2009-07-01 | 2018-05-16 |
| CLAISSE, Douglas Martin | Director | 1998-01-01 | 2003-09-24 |
| CLARK, Sally Jane | Director | 2022-07-01 | 2025-05-21 |
| CLARKE, Gregory Allison | Director | 2001-04-01 | 2007-03-31 |
| CLIFTON, Rita Ann | Director | 2010-07-01 | 2016-05-11 |
| DAVIS, Roger William John | Director | 2015-07-16 | 2025-05-21 |
| DOWNES, Margaret, Dr | Director | 1995-05-11 | 2001-05-23 |
| ELBOURNE, John Kenneth | Director | 1994-03-01 | 1997-05-08 |
| ELLEN, Susan Caroline | Director | — | 1995-09-29 |
| FLETCHER, Stuart Robert | Director | 2012-03-13 | 2016-04-04 |
| GOODING, Valerie Frances | Director | 1996-09-09 | 2008-05-15 |
| HARVEY, Leonard Paul, Dr | Director | 1995-09-01 | 1998-09-30 |
| HAWKINS, Bryan Stanley | Director | — | 1993-06-07 |
| HEATON, Frances Anne | Director | 1998-02-12 | 2001-02-12 |
| HEIDENMARK COOK, Pia Johanna | Director | 2022-04-01 | 2025-09-12 |
| HEWITT, Patricia Hope | Director | 2013-07-01 | 2014-06-11 |
| HOUSTON, Martin Joseph | Director | 2014-01-01 | 2019-12-31 |
| HYMAS, Roger Frederick | Director | 1994-03-01 | 1998-01-06 |
| JACOBS, Peter Alan | Director | — | 1999-05-12 |
| JAMES, Oliver Francis Wintour, Professor | Director | 1999-05-01 | 2008-04-30 |
| KING, Ray | Director | 2001-08-01 | 2012-03-14 |
| LAISTER, Peter | Director | — | 1993-06-07 |
| LEA, Edward William | Director | — | 2001-09-13 |
| LEITCH, Alexander Park, Lord | Director | 2005-05-01 | 2018-12-31 |
| LESSELS, Norman | Director | — | 1994-07-05 |
| LEWIS, Edward Brian, Dr | Director | — | 1995-05-11 |
| LINTON, Joy | Director | 2016-05-01 | 2021-03-04 |
| LORIMER, John Howard | Director | 2011-07-01 | 2015-06-30 |
| LYONS, Nicholas Stephen Leland, Sir | Director | 2018-11-01 | 2021-08-31 |
| MITCHELL, George Edward | Director | 2007-05-01 | 2015-05-14 |
| NI CHIONNA, Orna Gabrielle | Director | 2003-01-01 | 2008-12-31 |
| NICHOL, Duncan Kirkbride, Sir | Director | 1994-10-01 | 2002-05-22 |
| NICHOLSON, Bryan Hubert, Sir | Director | — | 2001-05-23 |
| PLASTOW, David Arnold Stuart, Sir | Director | — | 1995-05-11 |
| POTKINS, Martin | Director | 2021-03-05 | 2021-11-11 |
| QUARTANO, Ralph Nicholas | Director | — | 1998-05-13 |
| SAMSOM, Melvin, Professor | Director | 2019-04-11 | 2025-12-31 |
| SANDERSON, Bryan Kaye, Mr. | Director | 2001-01-01 | 2006-11-01 |
| SHAW, David | Director | — | 1993-01-31 |
| SILVER, Caroline Louise | Director | 2017-11-01 | 2023-10-31 |
| SINGER, Thomas Daniel | Director | 2008-05-01 | 2011-09-16 |
| THELWALL-JONES, Hugh, Dr | Director | — | 1996-05-09 |
| THOMPSON, Clare Eleanor | Director | 2015-05-01 | 2022-04-30 |
| TOOKE, John Edward, Professor | Director | 2009-07-01 | 2019-05-15 |
| VISCOUNT COLVILLE OF CULROSS, John Mark Alexander | Director | — | 1993-07-13 |
| VOUTE-ALLEN, Janet Joslin | Director | 2016-01-12 | 2021-12-31 |
| WALFORD, Arthur David | Director | 1998-10-08 | 1999-05-01 |
| WALTHER, Robert Philippe | Director | 2004-05-01 | 2009-07-31 |
| WITHEROW LARGE, Arthur Robert | Director | — | 1994-03-02 |
Ownership
Persons with significant control
No persons with significant control on record.
Filing timeline
Last 20 of 324 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-16 | AA | accounts | Accounts with accounts type group | |
| 2026-04-14 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-02 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-23 | AA | accounts | Accounts with accounts type group | |
| 2025-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-26 | CH01 | officers | Change person director company with change date | |
| 2025-05-27 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-27 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-22 | CH01 | officers | Change person director company with change date | |
| 2024-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-15 | AA | accounts | Accounts with accounts type group | |
| 2024-05-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-09 | CH01 | officers | Change person director company with change date | |
| 2024-02-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-02 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 2
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.