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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
£121.26M
Enterprise Value97.53M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£453.00K
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 Ratio1.43
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.24
Revenue Forecast (FY)£53.82M
Bulls Say, Bears Say
Bulls Say
Debt-free Balance SheetElimination of debt and a sizeable equity base give the company durable financial flexibility. This reduces solvency and refinancing risk, supports underwriting capacity in P&C, allows retention of earnings for growth or dividends, and strengthens resilience to adverse cycles.
Profitability Rebound And Healthy MarginsA sustained return from a loss to mid-teens net margins indicates structural improvement in underwriting/pricing or cost control. Strong recent profitability and higher ROE support internal capital generation, dividend capacity and reinvestment without reliance on external funding.
Strong Cash Generation And FCF AlignmentOperating and free cash flow that closely track earnings shows earnings quality and durable cash conversion capability. Consistent FCF enhances ability to fund dividends, claims, and investments while preserving liquidity and reducing dependence on capital markets.
Bears Say
Revenue And Earnings VolatilityMulti-year swings in top-line and profitability reduce predictability of underwriting results and cash flows. Persistent volatility complicates capital planning, makes reserve and pricing adequacy harder to judge, and increases the likelihood of earnings surprises over business cycles.
Uneven Cash Conversion TrendsVariability in cash-flow coverage and a recent FCF decline signal that cash conversion can be sensitive to timing, claims or working capital. That unevenness can constrain the firm's ability to reliably fund dividends, reserves or growth during stress periods.
Earnings Cyclicality Risk From Prior Loss YearA prior-year loss despite recent improvement shows exposure to cyclical underwriting, reserve adjustments or market shocks. Even with strong recent ROE, this cyclicality increases the chance that capital buffers and profitability could be pressured in adverse industry conditions.
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 £121.26M.
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 89 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 Overvalued.
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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Insider Transactions
Sold Shares
Worth £494.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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.
Technical Analysis
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Options Prices
Currently, No data available
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