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
£119.68M
Enterprise Value105.27M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£0.00
Price to Earnings (P/E)16.3
Beta0.56
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)0.25
Revenue Forecast (FY)£54.53M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthZero net debt and a sizable equity base (~£36.8m) provide durable financial flexibility. Conservative leverage reduces refinancing risk, supports operational resilience through cycles, and gives capacity to fund strategic initiatives, dividends, or opportunistic M&A without urgent external funding.
Sustained Profitability ReboundThe company moved from a loss to consistent profits and healthy ~15% net margins, reflecting improved operating control and pricing/scale leverage. This trend supports durable earnings power and underpins stronger returns on equity, enhancing the firm's ability to fund growth and shareholder distributions.
Strong Cash GenerationHigh operating and free cash flow in 2025, with FCF tracking ~96% of earnings, demonstrates effective cash conversion when performance is strong. Reliable cash generation supports dividend payouts, reinvestment in the platform, and reduces dependence on external financing for ordinary capital needs.
Bears Say
Revenue And Earnings VolatilityThe business has shown material multi‑year volatility, including a sharp 2022 decline and subsequent rebound. Such cyclicality undermines predictability of recurring revenue and complicates medium‑term planning, making long‑range budgeting, hiring, and investment decisions riskier for stakeholders.
Uneven Cash Conversion TrendsWhile 2025 showed strong cash, FCF growth dipped and coverage varied across years, indicating inconsistent conversion of earnings to free cash. This variability can constrain sustainable dividends or capex in weaker years and increases the need for conservative liquidity management.
Revenue Dependency On Partner UptakeA sizable portion of income depends on commissions/revenue‑share from partners and voluntary employee take‑up. That exposes revenue and margins to changes in partner terms, insurer relationships, or employee engagement levels, reducing revenue predictability and raising execution risk for growth initiatives.
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 £119.68M.
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 110 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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