Personal Group Holdings PLC (GB:PGH)
LSE:PGH
Want to see GB:PGH full AI Analyst Report?
PGH Stock Chart & Stats
300.00 p
-1.40 p(-0.74%)
At close: 4:00 PM EST
300.00 p
-1.40 p(-0.74%)
Day’s Range― - ―
52-Week Range247.04 p - 404.00 p
Previous CloseN/A
Volume3.00K
Average Volume (3M)84.16K
Market Cap
£107.09M
Enterprise Value82.11M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£0.00
Price to Earnings (P/E)13.4
Beta0.61
Next Earnings
Sep 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.58%
Share Statistics
EPS (TTM)0.14
Shares Outstanding31,583,221
10 Day Avg. Volume42,089
30 Day Avg. Volume84,160
Financial Highlights & Ratios
PEG Ratio1.41
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
£415.00Price Target Upside38.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.25
Revenue Forecast (FY)£54.53M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthVery low leverage and a sizable equity base provide durable financial flexibility. Zero reported debt in 2025 and strong recent ROE mean the company can absorb client churn, invest in platform features, fund modest M&A or support dividend policy without needing external financing in the near term.
Profitability Rebound And MarginsA sustained swing from loss to consistent positive earnings and ~15% net margins indicates strengthened core economics. Combined with employer subscription fees and commission streams, this improved margin profile supports reinvestment in product, recurring cash generation and a more resilient operating model over the coming months.
Strong Cash GenerationHigh free cash flow that closely tracks earnings demonstrates effective cash conversion and low incremental capital intensity. This durable cash generation supports organic investment in the platform, customer servicing, and shareholder returns, while reducing reliance on external funding for near-term strategic initiatives.
Bears Say
Revenue And Earnings VolatilityA history of sharp revenue swings impairs predictability of earnings and cash flow planning. Material prior declines mean client loss, pricing pressure, or product uptake changes can quickly reverse progress, making capital allocation and multi‑period investments riskier over the next several quarters.
Uneven Cash-conversion TrendsAlthough FCF is strong in level terms, year-to-year variability and a recent dip signal working-capital or timing exposure. Uneven cash conversion can strain dividend sustainability or limit discretionary spending when several quarters of weaker conversion coincide with reinvestment needs or unexpected expenses.
Revenue Dependence On Voluntary UptakeA meaningful portion of revenue relies on employee willingness to buy voluntary benefits and third‑party partner activity. That structural dependence ties revenue growth to workforce engagement, macro disposable income and partner flows, creating a persistent ceiling and variability in transactional income.
Personal Group Holdings News
PGH FAQ
What was Personal Group Holdings PLC’s price range in the past 12 months?
Personal Group Holdings PLC lowest share price was 247.04 p and its highest was 404.00 p in the past 12 months.
What is Personal Group Holdings PLC’s market cap?
Personal Group Holdings PLC’s market cap is £107.09M.
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 154 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, beating the consensus estimate of N/A by 0.138 p.
Is Personal Group Holdings PLC overvalued?
According to Wall Street analysts Personal Group Holdings PLC’s price is currently Undervalued.
Does Personal Group Holdings PLC pay dividends?
Personal Group Holdings PLC pays a Semiannually dividend of 8.2 p which represents an annual dividend yield of 5.58%. 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 31,583,221 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, beating 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
£415.00 (38.33% Upside)
£415.00 (38.33% Upside)
Insider Transactions
Sold Shares
Worth £494.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
68.84%
12-Months-Change
Fundamentals
Return on Equity
20.34%
Trailing 12-Months
Asset Growth
12.22%
Trailing 12-Months
Company Description
Personal Group Holdings PLC
Personal Group Holdings Plc provides short-term accident and health insurance services, SaaS products, and salary sacrifice technology products in the United Kingdom. The company operates through Affordable Insurance, Other Owned Benefits, Benefits and Platform, and Pay and Reward segments. It offers insurance products, including hospital plans, convalescence plans, and death benefit plans; and consultancy and software solutions on pay and reward services, as well as a suite of cloud-based Saas tools. The company also operates HAPI, a proprietary digital platform that allows employees to access financial, physical, mental, and social benefits; and Let's Connect, which enables employers to provide a benefit scheme that allows their employees to access consumer technology and other products from manufacturers through salary sacrifice. Personal Group Holdings Plc was founded in 1984 and is based in Milton Keynes, the United Kingdom.
PGH Stock 12 Month Forecast
Average Price Target
415.00 p
▲(38.33% Upside)
Technical Analysis
B.P. Marsh & Partners plc
―
City of London Investment
―
CMC Markets
―
Immedia
―
Mercia Asset Management
―
Options Prices
Currently, No data available
---