Personal Group Holdings PLC (GB:PGH)
LSE:PGH
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 Range216.25 p - 404.00 p
Previous CloseN/A
Volume3.00K
Average Volume (3M)84.16K
Market Cap
£109.16M
Enterprise Value84.19M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£0.00
Price to Earnings (P/E)13.4
Beta0.62
Next Earnings
Sep 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.58%
Share Statistics
EPS (TTM)0.14
Shares Outstanding31,277,030
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
Zero Net Debt & Strong EquityZero reported debt and a substantial equity base provide durable financial flexibility, lowering solvency and refinancing risk. This capital structure supports investment, dividends or M&A without reliance on external borrowing, enhancing resilience across business cycles.
Profitability Rebound & Healthy MarginsA sustained recovery from loss to multi-year profitability with ~15% net margins suggests the underlying platform and cost structure can generate durable operating leverage. Stronger margins support reinvestment and shareholder returns if maintained across cycles.
Strong Free Cash Flow GenerationHigh free cash flow and close tracking to net income indicate effective cash conversion and real liquidity. Reliable FCF supports funding of growth initiatives, shareholder distributions, and buffer for downturns without eroding balance sheet strength.
Bears Say
Revenue & Earnings VolatilityMaterial multi-year volatility, including a large revenue drop in 2022, signals cyclicality and sensitivity to client demand. Persistent swings reduce forecasting accuracy, complicate capital allocation, and raise execution risk if employer purchasing behavior shifts.
Uneven Cash Conversion TrendsWhile FCF was strong in 2025, the year-over-year dip and inconsistent coverage across periods indicate cash generation can vary. This variability constrains confident multi-year planning for dividends, buybacks, or reinvestment and raises liquidity planning needs.
Concentration On Employer-distributed BenefitsRevenue dependence on employer relationships and third-party partners exposes the company to employer budget cycles, benefit take-up volatility and partner terms. That concentration limits direct pricing power and increases operational dependence on external counterparties.
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 216.25 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 £109.16M.
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 177 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 0.137 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.137 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 31,277,030 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 0.137 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)
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
68.84%
12-Months-Change
Fundamentals
Return on Equity
20.34%
Trailing 12-Months
Asset Growth
11.54%
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
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Options Prices
Currently, No data available
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