Personal Group Holdings
Market Cap
UK£125.1m
Last Updated
2020/02/18 20:52 UTC
Data Sources
Company Financials +
Executive Summary
Personal Group Holdings Plc provides short-term accident and health insurance, and employee services in the United Kingdom.
Rewards
Risk Analysis
Earnings are forecast to decline by an average of -11.4% per year for the next 3 years
Snowflake Analysis
Established dividend payer and good value.
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
6.1%
PGH
0.1%
GB Insurance
-0.9%
GB Market
1 Year Return
14.2%
PGH
1.3%
GB Insurance
6.2%
GB Market
Return vs Industry: PGH exceeded the UK Insurance industry which returned 2.1% over the past year.
Return vs Market: PGH exceeded the UK Market which returned 6.6% over the past year.
Shareholder returns
| PGH | Industry | Market | |
|---|---|---|---|
| 7 Day | 6.1% | 0.1% | -0.9% |
| 30 Day | 3.9% | 3.3% | -3.1% |
| 90 Day | 19.3% | 11.2% | 3.9% |
| 1 Year | 21.4%14.2% | 12.6%1.3% | 11.9%6.2% |
| 3 Year | 43.1%20.5% | 18.4%-2.8% | 17.3%2.4% |
| 5 Year | -7.0%-27.9% | 30.3%-3.2% | 34.1%3.2% |
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 days ago | Simply Wall St
Personal Group Holdings Plc (LON:PGH) Looks Interesting, And It's About To Pay A Dividend2 weeks ago | Simply Wall St
Should You Be Tempted To Sell Personal Group Holdings Plc (LON:PGH) Because Of Its P/E Ratio?1 month ago | Simply Wall St
Why Dividend Hunters Love Personal Group Holdings Plc (LON:PGH)Valuation
Is Personal Group Holdings undervalued compared to its fair value and its price relative to the market?
29.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: PGH (£4.02) is trading below our estimate of fair value (£5.67)
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 (14.3x) compared to the Insurance industry average (14.7x).
PE vs Market: PGH is good value based on its PE Ratio (14.3x) compared to the UK market (18.6x).
Price to Earnings Growth Ratio
PEG Ratio: PGH's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: PGH is overvalued based on its PB Ratio (3.4x) compared to the GB Insurance industry average (1.8x).
Next Steps
Future Growth
How is Personal Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
-11.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PGH's earnings are forecast to decline over the next 3 years (-11.4% per year).
Earnings vs Market: PGH's earnings are forecast to decline over the next 3 years (-11.4% per year).
High Growth Earnings: PGH's earnings are forecast to decline over the next 3 years.
Revenue vs Market: PGH's revenue (9.1% per year) is forecast to grow faster than the UK market (3.4% per year).
High Growth Revenue: PGH's revenue (9.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if PGH's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Personal Group Holdings performed over the past 5 years?
4.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PGH has high quality earnings.
Growing Profit Margin: PGH's current net profit margins (13.5%) are lower than last year (18.7%).
Past Earnings Growth Analysis
Earnings Trend: PGH's earnings have grown by 4.8% per year over the past 5 years.
Accelerating Growth: PGH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PGH had negative earnings growth (-0.4%) over the past year, making it difficult to compare to the Insurance industry average (23.4%).
Return on Equity
High ROE: PGH's Return on Equity (23.9%) is considered high.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Personal Group Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: PGH has a low level of unsold assets or inventory.
Debt Coverage by Assets: PGH's debt is not covered by short term assets (assets are -69.6x debt).
Financial Institutions Analysis
Asset Level: PGH's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if PGH has a sufficient allowance for bad loans.
Low Risk Liabilities: PGH reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if PGH has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PGH has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if PGH has an appropriate level of bad loans.
Next Steps
Dividend
What is Personal Group Holdings's current dividend yield, its reliability and sustainability?
5.87%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: PGH's dividend (5.87%) is higher than the bottom 25% of dividend payers in the UK market (1.81%).
High Dividend: PGH's dividend (5.87%) is in the top 25% of dividend payers in the UK market (5.1%)
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 (82.2%), 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?
5.6yrs
Average management tenure
CEO
Deborah Rees-Frost (53yo)
1yrs
Tenure
UK£40,000
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. She is a Reward and Performance expert. She ...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1yrs | UK£40.00k | 0.96% £1.2m | |
| CFO & Director | 7.1yrs | UK£367.00k | 0.13% £166.6k | |
| Executive Director & MD of PGB | 2.5yrs | UK£162.00k | 0.12% £153.2k | |
| Chief Information Officer | 6.8yrs | no data | 0.0029% £3.6k | |
| Investor Relations Professional | 0yrs | no data | no data | |
| Group HR Director | 5.1yrs | no data | no data | |
| Chief Commercial Officer | 1.1yrs | no data | no data | |
| Company Secretary & Director | 5.8yrs | no data | 0.0065% £8.1k |
5.6yrs
Average Tenure
51yo
Average Age
Experienced Management: PGH's management team is seasoned and experienced (5.6 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1yrs | UK£40.00k | 0.96% £1.2m | |
| CFO & Director | 7.1yrs | UK£367.00k | 0.13% £166.6k | |
| Executive Director & MD of PGB | 2.5yrs | UK£162.00k | 0.12% £153.2k | |
| Company Secretary & Director | 5.8yrs | no data | 0.0065% £8.1k | |
| Non-Executive Director | 3.3yrs | UK£40.00k | no data | |
| Non-Executive Deputy Chairman | 5.1yrs | UK£40.00k | 0.0098% £12.3k | |
| Chairman of the Board | 3.8yrs | UK£76.00k | no data | |
| Non-Executive Director | 0.7yrs | no data | 0.00086% £1.1k |
4.1yrs
Average Tenure
56yo
Average Age
Experienced Board: PGH's board of directors are considered experienced (4.1 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£125.134m
- 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, and employee services in the United Kingdom. It operates through four segments: Core Insurance, IT Salary Sacrifice, SaaS, and Other. The company offers insurance products, including hospital cash plans, convalescence plans, death benefit plans, and practical health plans. The company also provides employee health and wellbeing services, such as employee assistance programs, financial wellbeing schemes, discounted gym memberships, health check programs, lifestyle advices, and OnDemand GP. In addition, it offers discounts and rewards comprising everyday discounts, reward and recognition programs, corporate vouchers, e-vouchers, and cinema discounts; salary sacrifice schemes consisting of cycle2work, childcare vouchers, car salary sacrifice, home technology salary sacrifice, and holiday trading; and employee communications services, including employee surveys, e-payslips, total reward statements, management information, and employee notifications. Further, the company provides Hapi Hub, a cloud based management information reporting tool; and discounted cinema tickets. 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 | 2020/02/18 20:52 |
| End of Day Share Price | 2020/02/18 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.