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Personal Group Holdings (PGH) Price & Analysis

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PGH Stock Chart & Stats

395.00 p

3.25 p(0.82%)

At close: Jul 27 4:00 PM EDT

395.00 p

3.25 p(0.82%)

Day’s Range― - ―

52-Week Range280.00 p - 420.00 p

Previous CloseN/A

Volume23.73K

Average Volume (3M)84.16K

Market Cap

£124.52M

Enterprise Value104.49 p

Total Cash (Recent Filing)£25.01M

Total Debt (Recent Filing)£453.00K

Price to Earnings (P/E)16.8

Beta0.50

Next Earnings

Sep 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield5.87%

Share Statistics

EPS (TTM)0.24

Shares Outstanding31,610,998

10 Day Avg. Volume42,089

30 Day Avg. Volume84,160

Financial Highlights & Ratios

PEG Ratio1.43

Price to Book (P/B)2.66

Price to Sales (P/S)2.02

P/FCF Ratio9.19

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

£465.00

Price Target Upside17.72% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering1

EPS Forecast (FY)0.24

Revenue Forecast (FY)£53.82M

Bulls Say, Bears Say

Bulls Say

Balance Sheet StrengthZero reported total debt in 2025 and substantial equity provide durable financial flexibility. A debt-free balance sheet reduces refinancing and interest-rate exposure, supports consistent dividend policy or opportunistic M&A, and improves resilience through insurance-cycle stress periods.

Improved ProfitabilityA multi-year swing from a 2022 loss to sustained net margins (~15%) and stronger recent returns indicates structural improvement in underwriting, pricing, or expense control. Higher margins and rising net income enhance retained earnings and long-term return on equity potential.

Strong Cash GenerationOperating and free cash flow near reported earnings in 2025 show effective cash conversion in the most recent year. Robust FCF supports sustained dividend distributions, funding of working capital needs and reinvestment without relying on external financing.

Bears Say

Revenue & Earnings VolatilityPronounced multiyear swings in revenue and profits indicate the business is exposed to cyclical forces (claims, pricing, or client concentration). This makes forward earnings and cash-flow forecasting less reliable and complicates long-term capital allocation and dividend smoothing.

Cash Conversion VariabilityAlthough 2025 FCF was strong in absolute terms, the year-over-year dip and uneven coverage across periods show conversion risk. Persistent variability in cash conversion can constrain investment flexibility and force reliance on reserves in weaker years.

Earnings Cyclicality RiskThe prior-year loss and resulting negative return on equity underscore sensitivity to underwriting or market shocks. Even with recent strong ROE, cyclicality can quickly reverse profitability, requiring higher capital buffers and conservative reserve management.

Personal Group Holdings News

Personal Group updates share capital and voting rights after employee option exercise

Personal Group Holdings ( ($GB:PGH) ) has provided an update. Personal Group Holdings Plc has issued 27,776 new...

23d ago

Personal Group lifts H1 revenue and EBITDA on record insurance sales

Personal Group Holdings ( ($GB:PGH) ) just unveiled an update. Personal Group reported strong first-half trading for 2026,...

29d ago

Personal Group Executives Increase Stakes via Employee Share Plan

Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings Plc reported that senior executives...

2M ago

Personal Group Names CFO Matthew Cohen to Board After Regulatory Approval

An update from Personal Group Holdings ( ($GB:PGH) ) is now available. Personal Group Holdings, a Milton Keynes–headquartered...

2M ago

Personal Group Ties New LTIP Grants to Ambitious TSR and EBITDA Targets

Personal Group Holdings ( ($GB:PGH) ) just unveiled an announcement. Personal Group Holdings has granted 212,357 share options...

3M ago

Personal Group Director Maria Darby-Walker Increases Stake via DRIP Purchase

Personal Group Holdings ( ($GB:PGH) ) has issued an announcement. Personal Group Holdings reported that non-executive director Maria...

3M ago

Personal Group shareholders approve all AGM resolutions

An announcement from Personal Group Holdings ( ($GB:PGH) ) is now available. Personal Group Holdings reported that all...

3M ago

Personal Group builds on strong 2025 as it targets further growth and confirms CFO transition

Personal Group Holdings ( ($GB:PGH) ) has issued an announcement. Personal Group told shareholders at its AGM that...

3M ago

Personal Group Executives Exercise Options as Share Capital Rises

An update from Personal Group Holdings ( ($GB:PGH) ) is now available. Personal Group Holdings has issued and...

4M ago

Personal Group Publishes 2025 Report and Sets Date for AGM

The latest update is out from Personal Group Holdings ( ($GB:PGH) ). Personal Group Holdings has posted its...

4M ago

PGH FAQ

What was Personal Group Holdings PLC’s price range in the past 12 months?

Personal Group Holdings PLC lowest share price was 280.00 p and its highest was 420.00 p in the past 12 months.

What is Personal Group Holdings PLC’s market cap?

Personal Group Holdings PLC’s market cap is £124.52M.

When is Personal Group Holdings PLC’s upcoming earnings report date?

Personal Group Holdings PLC’s upcoming earnings report date is Sep 29, 2026 which is in 41 days.

How were Personal Group Holdings PLC’s earnings last quarter?

Personal Group Holdings PLC released its earnings results on Mar 24, 2026. The company reported 0.138 p earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is Personal Group Holdings PLC overvalued?

According to Wall Street analysts Personal Group Holdings PLC’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Personal Group Holdings PLC pay dividends?

Personal Group Holdings PLC pays a Semiannually dividend of 15.1 p which represents an annual dividend yield of 5.87%. See more information on Personal Group Holdings PLC dividends here

What is Personal Group Holdings PLC’s EPS estimate?

Personal Group Holdings PLC’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Personal Group Holdings PLC have?

Personal Group Holdings PLC has 31,610,998 shares outstanding.

What happened to Personal Group Holdings PLC’s price movement after its last earnings report?

Personal Group Holdings PLC reported an EPS of 0.138 p in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 10.927%.

Which hedge fund is a major shareholder of Personal Group Holdings PLC?

Currently, no hedge funds are holding shares in GB:PGH

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Personal Group Holdings Stock Smart Score

Neutral

Analyst Consensus

Moderate Buy

Average Price Target:
£465.00 (17.72% Upside)

Technicals

Fundamentals

Return on Equity

5.87%

Trailing 12-Months

Asset Growth

12.22%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Personal Group Holdings PLC

Founded in 1984 and headquartered in Milton Keynes, UK, Personal Group Holdings Plc provides a comprehensive range of services across the United Kingdom, encompassing short-term accident and health insurance, various software-as-a-service (SaaS) products, and technology solutions that utilize salary sacrifice schemes. The company operates through several key divisions: Affordable Insurance, Other Owned Benefits, Benefits and Platform, and Pay and Reward. Its insurance portfolio includes coverage for hospital stays, recovery periods, and death benefits. Beyond insurance, Personal Group offers expert consultancy and software for pay and reward management, alongside a suite of cloud-based SaaS applications. Notably, it manages HAPI, a proprietary digital platform that grants employees access to a wide array of financial, physical, mental, and social benefits. Additionally, its Let's Connect initiative enables employers to facilitate employee acquisition of consumer technology and other goods from manufacturers through advantageous salary sacrifice arrangements.

Personal Group Holdings (PGH) Earnings & Revenues

Historic Earnings Reports

PGH Stock 12 Month Forecast

Average Price Target

465.00 p

▲(17.72% Upside)

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Detailed Analyst Forecast >