Personal Group Holdings (PGH) AI Stock Analysis

• Market Cap: £101.68M
• Dividend Yield: 5.58%
• Average Volume (3M): 84.16K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.79
• Revenue Growth: 20.68%
• EPS Growth: 44.23%
• Country: UK
• Employees: 253
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.09
• Shares Outstanding: 31,277,030
• 10 Day Avg. Volume: 42,089
• 30 Day Avg. Volume: 84,160
• PEG Ratio: 0.18
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 1.33
• P/FCF Ratio: 6.73
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £630.00
• Price Target Upside: 90.91% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: 382.00p ▲(15.76% Upside)

Personal Group Holdings demonstrates strong financial performance with robust cash flow and profitability, contributing significantly to the overall score. The technical analysis supports a stable outlook with a slight bullish trend. Valuation metrics indicate the stock is reasonably priced with an attractive dividend yield. Corporate events, although positive, are not weighted in the final score but highlight strategic growth and leadership stability.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding business operations and increased market penetration, supporting long-term financial health.

Cash Flow Management

Robust cash flow management enhances financial flexibility, allowing for reinvestment in growth opportunities and debt reduction.

Low Leverage

Minimal leverage reduces financial risk and interest burden, providing stability and resilience against economic fluctuations.

Negative Factors

Equity Ratio Decline

A declining equity ratio may indicate increased reliance on liabilities, potentially affecting financial stability if the trend continues.

Profit Margin Volatility

While margins improved, volatility in profit margins can signal underlying cost management challenges, impacting predictability.

Limited Earnings Call Data

Lack of earnings call data limits insights into management's strategic vision and operational challenges, affecting investor confidence.

Personal Group Holdings Business Overview & Revenue Model

Company Description

Personal Group Holdings (PGH) is a UK-based employee benefits and insurance services provider that specializes in delivering innovative solutions for businesses to enhance employee engagement and welfare. The company operates primarily in the employee benefits sector, offering a range of products, including health and well-being services, insurance products, and employee engagement platforms. By focusing on improving the overall employee experience, PGH aims to help organizations attract and retain talent while also promoting a healthier workforce.

How the Company Makes Money

Personal Group Holdings generates revenue through multiple streams, primarily from the sale of employee benefits and insurance products. Key revenue sources include fees for providing employee benefits solutions, commissions from insurance policies, and subscription fees from its digital engagement platforms. The company partners with various organizations, including insurance providers and technology firms, to enhance its product offerings and expand its market reach. Additionally, PGH benefits from long-term contracts with corporate clients, which provide a consistent revenue flow. The company's focus on delivering value-added services that improve employee satisfaction contributes to its overall financial performance.

Personal Group Holdings Financial Statement Overview

Summary

Personal Group Holdings demonstrates strong financial health with a robust recovery in revenue and profitability. The company has a low debt-to-equity ratio, improved return on equity, and strong cash flow generation. However, a slight decline in the equity ratio needs monitoring.

Income Statement

Personal Group Holdings shows strong recovery in revenue and profitability, with a revenue growth rate of 13.29% in 2023. The gross profit margin remains robust at 100% due to revenue matching gross profit. The net profit margin improved to 14.83% in 2024 from 11.19% in 2023, indicating better cost management and efficiency. EBIT and EBITDA margins also demonstrate significant improvement, suggesting enhanced operational profitability.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.03, indicating minimal leverage and reduced financial risk. Return on equity improved to 18.64% in 2024, showcasing effective utilization of equity to generate profits. However, the equity ratio decreased slightly to 67.94%, signaling a minor decline in the proportion of equity financing.

Cash Flow

Operating cash flow to net income ratio of 1.76 in 2024 highlights strong cash flow generation relative to earnings. Free cash flow grew by 64.06% from 2023 to 2024, demonstrating robust cash flow management. Free cash flow to net income ratio remains high at 1.33, underscoring the company's ability to generate cash in excess of net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	46.04M	43.81M	31.13M	27.17M	74.51M	71.52M
Gross Profit	26.79M	43.81M	33.17M	44.43M	71.04M	71.52M
EBITDA	8.46M	9.51M	7.06M	-4.90M	5.92M	10.10M
Net Income	6.63M	6.50M	4.32M	-7.25M	3.60M	6.89M
Balance Sheet
Total Assets	49.99M	51.29M	49.19M	46.61M	57.60M	58.92M
Cash, Cash Equivalents and Short-Term Investments	0.00	19.06M	17.50M	16.96M	20.29M	17.59M
Total Debt	0.00	964.00K	1.13M	278.00K	474.00K	656.00K
Total Liabilities	15.15M	16.45M	17.19M	15.63M	16.32M	18.15M
Stockholders Equity	34.83M	34.84M	32.00M	30.98M	41.28M	40.77M
Cash Flow
Free Cash Flow	11.18M	8.67M	5.29M	1.71M	6.37M	7.33M
Operating Cash Flow	11.46M	11.44M	7.48M	3.24M	7.59M	8.10M
Investing Cash Flow	-437.00K	-2.48M	-2.94M	-2.80M	-1.20M	-331.00K
Financing Cash Flow	-5.83M	-4.47M	-4.00M	-3.77M	-3.68M	-4.66M

Personal Group Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 330.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PGH, the sentiment is Positive. The current price of 330 is above the 20-day moving average (MA) of 328.75, above the 50-day MA of 329.48, and above the 200-day MA of 299.20, indicating a neutral trend. The MACD of -3.21 indicates Positive momentum. The RSI at 47.15 is Neutral, neither overbought nor oversold. The STOCH value of 61.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PGH.

Personal Group Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PGH	74 Outperform	£101.68M	15.33	19.91%	5.58%	20.68%	44.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HSD	58 Neutral	£64.79M	35.91	9.65%	9.39%	-52.34%	-65.35%
PEEL	58 Neutral	£116.08M	23.41	4.84%	―	15.42%	―
PMI	54 Neutral	£81.75M	67.31	1.05%	11.43%	-3.99%	-36.07%

Personal Group Holdings Corporate Events

Personal Group Announces CFO Succession with Matthew Cohen Set to Join

Personal Group Holdings Plc announced the upcoming departure of CFO Sarah Mace, who will step down at the company’s AGM in May 2026 after over 11 years of service. She will be succeeded by Matthew Cohen, an experienced financial professional, who will join the company by mid-2026, subject to regulatory approval. Under Sarah’s leadership, the company returned to growth post-COVID and consistently delivered strong financial results. The transition is part of the company’s succession planning and is expected to support its growth ambitions, with Matthew bringing substantial experience from the insurance and financial services sectors.

Personal Group Holdings Director Acquires Shares in Confidence Boost

Personal Group Holdings Plc announced that Non-Executive Director Maria Darby-Walker has purchased 188 shares of the company through a Dividend Reinvestment Plan (DRIP) at a price of £3.33104 per share. This transaction, conducted on the London Stock Exchange, reflects continued confidence in the company’s market position and strategic direction.

Personal Group Holdings Reports Strong H1 2025 Results with Record Insurance Sales

Personal Group Holdings Plc reported strong financial results for the first half of 2025, with double-digit revenue growth and a 42% increase in adjusted EBITDA. The company achieved record insurance sales and expanded its recurring revenue streams, leading to a 26% increase in the interim dividend. The company’s strategic progress and new partnerships have expanded its customer base, supporting its growth ambitions. The macroeconomic environment is driving demand for Personal Group’s offerings, as employers increasingly recognize the importance of insurance and benefits in the workplace.