Personal Group Holdings (PGH) AI Stock Analysis

• Market Cap: £102.93M
• Dividend Yield: 5%
• Average Volume (3M): 45.30K
• Price to Earnings (P/E): 19.3
• Beta (1Y): 0.60
• Revenue Growth: -43.51%
• EPS Growth: 23.39%
• Country: UK
• Employees: 253
• Sector: Financial
• Sector Strength: 73
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.12
• Shares Outstanding: 31,277,030
• 10 Day Avg. Volume: 88,801
• 30 Day Avg. Volume: 45,302
• PEG Ratio: 1.26
• Price to Book (P/B): 2.58
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.17
• 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: £368.00
• Price Target Upside: 11.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: 343.00p ▲(3.94%Upside)

Personal Group Holdings has a solid overall stock score driven by its strong financial performance and strategic corporate events. The company's financial health is bolstered by impressive profitability and cash flow management. Despite bullish technical indicators, caution is advised due to potential overvaluation risks indicated by a high RSI. Valuation metrics point to a reasonable P/E ratio with a notably high dividend yield.

Personal Group Holdings Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Personal Group Holdings generates revenue through a diversified business model that includes selling insurance products directly to employees through their employers, and licensing its digital platforms to businesses. The company's key revenue streams include premiums collected from insurance policies and subscription fees for its technology services. Additionally, PGH partners with employers to deliver customized benefits packages, enhancing employee retention and satisfaction. These partnerships serve as a crucial factor in their earnings, as they enable the company to reach a broader client base and deepen market penetration.

Personal Group Holdings Financial Statement Overview

Summary

Personal Group Holdings exhibits strong financial health with improving profitability, efficient cash flow management, low leverage, and enhanced return on equity. The slight decline in the equity ratio warrants monitoring, but the overall financial trajectory is positive.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	43.81M	38.66M	86.44M	74.51M	71.52M
Gross Profit	43.81M	49.67M	86.44M	74.51M	71.52M
EBITDA	9.51M	6.98M	-4.90M	5.89M	10.03M
Net Income	6.50M	4.32M	-7.25M	3.60M	6.89M
Balance Sheet
Total Assets	51.29M	49.19M	46.61M	57.60M	58.92M
Cash, Cash Equivalents and Short-Term Investments	19.06M	17.50M	16.96M	20.29M	17.59M
Total Debt	964.00K	1.13M	278.00K	474.00K	656.00K
Total Liabilities	16.45M	17.19M	15.63M	16.32M	18.15M
Stockholders Equity	34.84M	32.00M	30.98M	41.28M	40.77M
Cash Flow
Free Cash Flow	8.67M	5.29M	1.71M	6.37M	7.33M
Operating Cash Flow	11.44M	7.48M	3.24M	7.59M	8.10M
Investing Cash Flow	-2.48M	-2.94M	-2.80M	-1.20M	-331.00K
Financing Cash Flow	-4.47M	-4.00M	-3.77M	-3.68M	-4.66M

Personal Group Holdings Technical Analysis

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

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 307.65, above the 50-day MA of 297.12, and above the 200-day MA of 229.38, indicating a bullish trend. The MACD of 11.70 indicates Negative momentum. The RSI at 73.36 is Negative, neither overbought nor oversold. The STOCH value of 84.65 is Negative, 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	70 Outperform	£102.93M	19.33	16.54%	5.00%	-43.51%	23.39%
Sector *	67 Neutral	$16.60B	11.20	9.14%	3.93%	10.99%	-3.70%
PMI	57 Neutral	£101.21M	42.76	1.99%	9.49%	1.57%	―
HSD	48 Neutral	£65.61M	41.03	8.08%	9.27%	35.39%	-76.12%
INAC	―	£84.27M	―	-3.91%	―	―	―
TPV	―	£85.09M	103.49	0.87%	4.49%	―	―
PEEL	58 Neutral	£114.91M	―	-3.06%	―	6.38%	17.11%

Personal Group Holdings Corporate Events

Personal Group Holdings Reports Strong H1 2025 Performance

Personal Group Holdings reported strong revenue growth for the first half of 2025, with a notable 11% increase in group revenue and a 41% rise in adjusted EBITDA. The company has achieved record insurance sales and maintained high customer retention rates, contributing to its robust financial performance. The expansion of its digital insurance offerings and partnerships, such as the collaboration with Sage Group, are expected to drive future growth. The company’s strategic initiatives and strong balance sheet position it well to meet market expectations for the full year.

Personal Group Holdings Updates PDMR Share Dealing Announcement

Personal Group Holdings Plc announced an amendment to a previous PDMR Share Dealing announcement, correcting the transaction date to 14 July 2025. The announcement detailed the acquisition of shares by key company officers under the Employee Share Ownership Plan, reflecting the company’s commitment to employee investment and engagement. This transaction underscores Personal Group’s strategic focus on aligning management interests with company performance, potentially strengthening stakeholder confidence.

Personal Group Holdings Enhances Employee Investment with Share Acquisition

Personal Group Holdings Plc announced the recent acquisition of shares by certain directors and employees under its Employee Share Ownership Plan. This move reflects the company’s ongoing commitment to employee investment and engagement, potentially strengthening its internal stakeholder relationships and enhancing its market position.

Personal Group Holdings to Present at Mello 2025 Conference

Personal Group Holdings Plc announced its participation in the Mello 2025 investor conference, where CEO Paula Constant and CFO Sarah Mace will present and engage with investors. This participation underscores the company’s commitment to strengthening its market presence and fostering investor relations, potentially enhancing its industry positioning and stakeholder engagement.

CEO of Personal Group Holdings Increases Shareholding

Personal Group Holdings Plc announced that its CEO, Paula Constant, has purchased 6,958 ordinary shares of the company, increasing her total holdings to 26,022 shares, which represents 0.08% of the company’s issued share capital. This transaction may indicate the CEO’s confidence in the company’s future prospects and could positively influence stakeholder perception of the company’s stability and growth potential.

CFO of Personal Group Holdings Increases Shareholding

Sarah Mace, the Chief Financial Officer of Personal Group Holdings Plc, has purchased 6,927 ordinary shares at a price of 291.5p per share, increasing her total holding to 33,052 shares, which represents 0.11% of the company’s issued share capital. This transaction, conducted on the London Stock Exchange, reflects a personal investment by a key executive, potentially signaling confidence in the company’s future performance.

Personal Group Holdings Reports Successful AGM Outcomes

Personal Group Holdings Plc announced the successful passage of all resolutions at its Annual General Meeting, reflecting shareholder support for the company’s strategic direction. This outcome reinforces Personal Group’s robust market position in providing workforce benefits and health insurance, leveraging its unique sales model and comprehensive offerings to drive future growth.

Personal Group Holdings Reports Strong Start to 2025 with Strategic Growth Initiatives

At its Annual General Meeting, Personal Group Holdings announced a positive trading performance in the first quarter of 2025, driven by a refined strategy and strong growth momentum in its insurance and benefits sectors. The company highlighted the expansion of its partnership with Sage, which is expected to significantly increase customer access to its Employee Benefits platform. The management’s effective execution of growth strategies and the company’s robust financial position have bolstered confidence in meeting market expectations for 2025.