Personal Group Holdings PLC (GB:PGH)
LSE:PGH
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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 Range280.00 p - 417.00 p
Previous CloseN/A
Volume3.00K
Average Volume (3M)84.16K
Market Cap
£122.05M
Enterprise Value97.53M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£453.00K
Price to Earnings (P/E)16.6
Beta0.55
Next Earnings
Sep 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.58%
Share Statistics
EPS (TTM)0.24
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)0.24
Revenue Forecast (FY)£53.82M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthZero reported debt and a substantial equity base provide durable financial flexibility. Low leverage reduces refinancing and solvency risk, supports consistent dividend policy, enables opportunistic M&A or investment, and improves resilience to sector cyclicality over the next several quarters.
Profitability Rebound And MarginsA sustained return to profitability and mid-teens net margins indicate the business model is commercially viable. Consistent margins support reinvestment, dividend capacity and return on equity, and signal operational improvements that are likely to persist barring major industry shocks.
Strong Cash Generation And ConversionHigh operating and free cash flow with close conversion to earnings underpins capital allocation flexibility. Reliable FCF enables sustainable dividends, deleveraging or selective investment, reducing dependence on external financing and supporting long-term shareholder returns.
Bears Say
Revenue & Earnings VolatilityMaterial swings in top-line and earnings history reduce predictability of future cash flows and complicate planning. This cyclicality raises the risk that short-term adverse events or client churn could quickly reverse recent profitability, limiting visibility for 2–6 month planning horizons.
Uneven Cash Conversion TrendsAlthough 2025 FCF was strong, variability and a recent dip signal inconsistent working capital or timing effects. This uneven conversion can constrain the company’s ability to commit to steady dividends, larger investments, or absorb shocks without altering operations or liquidity buffers.
Scale And Partner DependenceBusiness model depends materially on third-party insurers and partner networks for commissions and offers. Combined with modest employee scale, this limits direct control over pricing and product terms, exposing PGH to partner negotiation risk and slower organic scaling without significant investment.
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 280.00 p and its highest was 417.00 p in the past 12 months.
What is Personal Group Holdings PLC’s market cap?
Personal Group Holdings PLC’s market cap is £122.05M.
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 101 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 15.1 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
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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
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.
PGH Stock 12 Month Forecast
Average Price Target
415.00 p
▲(38.33% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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