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Personal Group Holdings PlcAIM:PGH Stock Report

Market Cap UK£120.4m
Share Price
UK£3.78
My Fair Value
UK£3.68
2.7% overvalued intrinsic discount
1Y134.8%
7D3.8%
Portfolio Value
View

Personal Group Holdings Plc

AIM:PGH Stock Report

Market Cap: UK£120.4m

Personal Group Holdings (PGH) Stock Overview

Engages in the provision of employee services and salary sacrifice technology products in the United Kingdom. More details

PGH fundamental analysis
Snowflake Score
Valuation0/6
Future Growth3/6
Past Performance4/6
Financial Health6/6
Dividends3/6

PGH Community Fair Values

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UK£3.68
FV
2.7% overvalued intrinsic discount
11.29%
Revenue growth p.a.
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4users have followed this narrative
about 19 hours ago author updated this narrative

Personal Group Holdings Plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for Personal Group Holdings
Historical stock prices
Current Share PriceUK£3.78
52 Week HighUK£3.88
52 Week LowUK£1.55
Beta0.14
1 Month Change13.86%
3 Month Change26.85%
1 Year Change134.78%
3 Year Change80.00%
5 Year Change26.00%
Change since IPO351.34%

Recent News & Updates

There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 25% Price Jump

Aug 16
There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 25% Price Jump

We Ran A Stock Scan For Earnings Growth And Personal Group Holdings (LON:PGH) Passed With Ease

Jul 24
We Ran A Stock Scan For Earnings Growth And Personal Group Holdings (LON:PGH) Passed With Ease

Personal Group Holdings' (LON:PGH) Dividend Will Be Increased To £0.10

Apr 01
Personal Group Holdings' (LON:PGH) Dividend Will Be Increased To £0.10

Recent updates

There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 25% Price Jump

Aug 16
There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 25% Price Jump

We Ran A Stock Scan For Earnings Growth And Personal Group Holdings (LON:PGH) Passed With Ease

Jul 24
We Ran A Stock Scan For Earnings Growth And Personal Group Holdings (LON:PGH) Passed With Ease

Personal Group Holdings' (LON:PGH) Dividend Will Be Increased To £0.10

Apr 01
Personal Group Holdings' (LON:PGH) Dividend Will Be Increased To £0.10

There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 26% Price Jump

Feb 23
There's Reason For Concern Over Personal Group Holdings Plc's (LON:PGH) Massive 26% Price Jump
User avatar

Digital Platform Transition And Solid Financial Position Will Drive Future Success

Unique insurance model and digital transition enhance market penetration and net margins, strengthening revenue growth prospects.

Revenues Not Telling The Story For Personal Group Holdings Plc (LON:PGH) After Shares Rise 25%

Jan 02
Revenues Not Telling The Story For Personal Group Holdings Plc (LON:PGH) After Shares Rise 25%

Personal Group Holdings (LON:PGH) Has Announced A Dividend Of £0.053

Mar 31
Personal Group Holdings (LON:PGH) Has Announced A Dividend Of £0.053

Personal Group Holdings (LON:PGH) Has Announced A Dividend Of £0.053

Sep 30
Personal Group Holdings (LON:PGH) Has Announced A Dividend Of £0.053

Should You Or Shouldn't You: A Dividend Analysis on Personal Group Holdings Plc (LON:PGH)

Mar 15
Should You Or Shouldn't You: A Dividend Analysis on Personal Group Holdings Plc (LON:PGH)

If You Had Bought Personal Group Holdings' (LON:PGH) Shares Five Years Ago You Would Be Down 61%

Feb 15
If You Had Bought Personal Group Holdings' (LON:PGH) Shares Five Years Ago You Would Be Down 61%

Should Weakness in Personal Group Holdings Plc's (LON:PGH) Stock Be Seen As A Sign That Market Will Correct The Share Price Given Decent Financials?

Jan 11
Should Weakness in Personal Group Holdings Plc's (LON:PGH) Stock Be Seen As A Sign That Market Will Correct The Share Price Given Decent Financials?

Shareholder Returns

PGHGB InsuranceGB Market
7D3.8%-1.1%3.3%
1Y134.8%28.9%17.4%

Return vs Industry: PGH exceeded the UK Insurance industry which returned 28.9% over the past year.

Return vs Market: PGH exceeded the UK Market which returned 17.4% over the past year.

Price Volatility

Is PGH's price volatile compared to industry and market?
PGH volatility
PGH Average Weekly Movement4.1%
Insurance Industry Average Movement3.6%
Market Average Movement4.7%
10% most volatile stocks in GB Market10.8%
10% least volatile stocks in GB Market2.5%

Stable Share Price: PGH has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: PGH's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1996253Paula Constantwww.personalgroup.com

Personal Group Holdings Plc engages in the provision of employee services and salary sacrifice technology products in the United Kingdom. It operates through Affordable Insurance, Benefits and Reward, and Other segments. The company offers insurance products, including hospital plan, recovery plan, and death benefit policies; and consultancy services on pay and reward, as well as a suite of cloud-based SaaS solutions and surveys.

Personal Group Holdings Plc Fundamentals Summary

How do Personal Group Holdings's earnings and revenue compare to its market cap?
PGH fundamental statistics
Market capUK£120.43m
Earnings (TTM)UK£5.53m
Revenue (TTM)UK£43.78m
21.3x
P/E Ratio
2.7x
P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PGH income statement (TTM)
RevenueUK£43.78m
Cost of RevenueUK£24.73m
Gross ProfitUK£19.05m
Other ExpensesUK£13.52m
EarningsUK£5.53m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Sep 16, 2025

Earnings per share (EPS)0.18
Gross Margin43.52%
Net Profit Margin12.63%
Debt/Equity Ratio0%

How did PGH perform over the long term?

See historical performance and comparison

Dividends

5.3%
Current Dividend Yield
93%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/28 17:26
End of Day Share Price 2025/08/28 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Personal Group Holdings Plc is covered by 7 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullCanaccord Genuity
Stephen BarrettCavendish
Andrew RentonCavendish