Personal Group Holdings
Market Cap
UK£85.3m
Last Updated
2020/07/05 20:53 UTC
Data Sources
Company Financials
Executive Summary
Personal Group Holdings Plc provides short-term accident and health insurance services, SaaS products, and salary sacrifice technology products in the United Kingdom.
Rewards
Risk Analysis
Snowflake Analysis
Flawless balance sheet established dividend payer.
Share Price & News
How has Personal Group Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PGH has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-0.7%
PGH
1.0%
GB Insurance
0.1%
GB Market
1 Year Return
-32.5%
PGH
-27.5%
GB Insurance
-15.3%
GB Market
Return vs Industry: PGH underperformed the UK Insurance industry which returned -27.5% over the past year.
Return vs Market: PGH underperformed the UK Market which returned -15.3% over the past year.
Shareholder returns
| PGH | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.7% | 1.0% | 0.1% |
| 30 Day | 0% | -6.5% | -4.6% |
| 90 Day | 25.7% | 13.2% | 13.1% |
| 1 Year | -28.9%-32.5% | -20.0%-27.5% | -11.4%-15.3% |
| 3 Year | -6.6%-20.2% | -16.6%-31.0% | -3.4%-15.2% |
| 5 Year | -33.1%-48.2% | 2.1%-23.5% | 15.4%-10.3% |
Price Volatility Vs. Market
How volatile is Personal Group Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall St
Declining Stock and Decent Financials: Is The Market Wrong About Personal Group Holdings Plc (LON:PGH)?1 month ago | Simply Wall St
4 Days To Buy Personal Group Holdings Plc (LON:PGH) Before The Ex-Dividend Date2 months ago | Simply Wall St
Some Personal Group Holdings (LON:PGH) Shareholders Are Down 48%Valuation
Is Personal Group Holdings undervalued compared to its fair value and its price relative to the market?
35.6%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: PGH (£2.74) is trading below our estimate of fair value (£4.26)
Significantly Below Fair Value: PGH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: PGH is good value based on its PE Ratio (9.6x) compared to the Insurance industry average (10.4x).
PE vs Market: PGH is good value based on its PE Ratio (9.6x) compared to the UK market (15x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PGH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PGH is overvalued based on its PB Ratio (2.2x) compared to the GB Insurance industry average (1.2x).
Next Steps
Future Growth
How is Personal Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
12.6%
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Personal Group Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Next Steps
- Examine whether Personal Group Holdings is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Personal Group Holdings competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Insurance industry.
Past Performance
How has Personal Group Holdings performed over the past 5 years?
-2.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PGH has high quality earnings.
Growing Profit Margin: PGH's current net profit margins (12.5%) are lower than last year (15.2%).
Past Earnings Growth Analysis
Earnings Trend: PGH's earnings have declined by -2% per year over the past 5 years.
Accelerating Growth: PGH's earnings growth over the past year (5.3%) exceeds its 5-year average (-2% per year).
Earnings vs Industry: PGH earnings growth over the past year (5.3%) exceeded the Insurance industry 4.2%.
Return on Equity
High ROE: PGH's Return on Equity (23.2%) is considered high.
Next Steps
Financial Health
How is Personal Group Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: PGH's short term assets (£36.5M) exceed its short term liabilities (£17.8M).
Long Term Liabilities: PGH's short term assets (£36.5M) exceed its long term liabilities (£592.0K).
Debt to Equity History and Analysis
Debt Level: PGH is debt free.
Reducing Debt: PGH has not had any debt for past 5 years.
Debt Coverage: PGH has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: PGH has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Next Steps
Dividend
What is Personal Group Holdings's current dividend yield, its reliability and sustainability?
8.61%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PGH's dividend (8.61%) is higher than the bottom 25% of dividend payers in the UK market (1.99%).
High Dividend: PGH's dividend (8.61%) is in the top 25% of dividend payers in the UK market (5.55%)
Stability and Growth of Payments
Stable Dividend: PGH's dividends per share have been stable in the past 10 years.
Growing Dividend: PGH's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (82%), PGH's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.8yrs
Average management tenure
CEO
Deborah Rees-Frost (54yo)
1.42yrs
Tenure
UK£396,000
Compensation
Ms. Deborah Karen Rees-Frost has been Chief Executive Officer of Personal Group Holdings Plc since February 28, 2019. Ms. Rees-Frost co-founded Innecto in 2002 and was its CEO. She is a Reward and Performa ...
CEO Compensation Analysis
Compensation vs Market: Deborah's total compensation ($USD493.70K) is above average for companies of similar size in the UK market ($USD346.84K).
Compensation vs Earnings: Deborah's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1.42yrs | UK£396.00k | 0.96% £822.3k | |
| CFO & Director | 7.5yrs | UK£278.00k | 0.13% £113.8k | |
| Executive Director & MD of PGB | 2.92yrs | UK£262.00k | 0.12% £104.5k | |
| Chief Information Officer | 6.17yrs | no data | 0.0030% £2.6k | |
| Investor Relations Professional | no data | no data | no data | |
| Group HR Director | 5.5yrs | no data | no data | |
| Chief Commercial Officer | 1.17yrs | no data | no data | |
| Company Secretary & Group Financial Controller | 6.5yrs | no data | 0.0066% £5.7k |
5.8yrs
Average Tenure
52yo
Average Age
Experienced Management: PGH's management team is seasoned and experienced (5.8 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1.42yrs | UK£396.00k | 0.96% £822.3k | |
| CFO & Director | 7.5yrs | UK£278.00k | 0.13% £113.8k | |
| Executive Director & MD of PGB | 2.92yrs | UK£262.00k | 0.12% £104.5k | |
| Independent Non-Executive Director | 3.67yrs | UK£43.00k | no data | |
| Non-Executive Deputy Chairman | 5.5yrs | UK£44.00k | 0.011% £9.5k | |
| Independent Non-Executive Chairman of the Board | 4.17yrs | UK£76.00k | no data | |
| Independent Non-Executive Director | 1.08yrs | UK£22.00k | 0.00089% £759.2 |
4.2yrs
Average Tenure
57yo
Average Age
Experienced Board: PGH's board of directors are considered experienced (4.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Personal Group Holdings Plc's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Personal Group Holdings Plc
- Ticker: PGH
- Exchange: AIM
- Founded: 1984
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: UK£85.301m
- Shares outstanding: 31.13m
- Website: https://www.personalgroup.com
Number of Employees
Location
- Personal Group Holdings Plc
- John Ormond House
- 899 Silbury Boulevard
- Milton Keynes
- Buckinghamshire
- MK9 3XL
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PGH | AIM (London Stock Exchange AIM Market) | Yes | Ordinary Shares | GB | GBP | Nov 2000 |
| PRBD.F | OTCPK (Pink Sheets LLC) | Yes | Ordinary Shares | US | USD | Nov 2000 |
Biography
Personal Group Holdings Plc provides short-term accident and health insurance services, SaaS products, and salary sacrifice technology products in the United Kingdom. It operates through Core Insurance, IT Salary Sacrifice, SaaS, and Other segments. The company offers insurance products, including hospital cash plans, convalescence plans, and death benefit plans. It also operates employee experience platform that offers a range of products and services to support the physical, financial, mental and social needs of workers; and digital platform that helps clients to engage with teams, recognize exceptional talent, and motivate people, as well as provides a suite of communications tools that offer snapshot surveys and targeted communications. In addition, the company provides Hapi Hub, a cloud based management information reporting tool. Personal Group Holdings Plc was founded in 1984 and is based in Milton Keynes, the United Kingdom.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/07/05 20:53 |
| End of Day Share Price | 2020/07/03 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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 here.