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Personal Group Holdings PlcAIM:PGH Stock Report

Market Cap UK£122.1m
Share Price
UK£3.88
UK£4.16
6.9% undervalued intrinsic discount
1Y36.9%
7D2.0%
1D
Portfolio Value
View

Personal Group Holdings Plc

AIM:PGH Stock Report

Market Cap: UK£122.1m

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 Growth4/6
Past Performance5/6
Financial Health6/6
Dividends3/6

PGH Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

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£3.88
52 Week HighUK£4.17
52 Week LowUK£2.80
Beta0.17
1 Month Change0%
3 Month Change34.08%
1 Year Change36.93%
3 Year Change78.57%
5 Year Change53.77%
Change since IPO362.69%

Recent News & Updates

Recent updates

Analysis Article Nov 28

Personal Group Holdings Plc's (LON:PGH) Popularity With Investors Is Under Threat From Overpricing

There wouldn't be many who think Personal Group Holdings Plc's ( LON:PGH ) price-to-earnings (or "P/E") ratio of 14.9x...
Narrative Update Sep 17

Digital Channels And Platform Efficiencies Will Expand Insurance Options

Personal Group Holdings’ consensus price target has increased notably to £4.16, reflecting improved future earnings expectations (as indicated by a higher forward P/E), despite a modest decline in net profit margin. Valuation Changes Summary of Valuation Changes for Personal Group Holdings The Consensus Analyst Price Target has significantly risen from £3.68 to £4.16.
Analysis Article Aug 16

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

AIM:PGH 1 Year Share Price vs Fair Value Explore Personal Group Holdings's Fair Values from the Community and select...
Analysis Article Jul 24

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

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Analysis Article Apr 01

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

The board of Personal Group Holdings Plc ( LON:PGH ) has announced that it will be paying its dividend of £0.10 on the...
Analysis Article Feb 23

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

Personal Group Holdings Plc ( LON:PGH ) shares have had a really impressive month, gaining 26% after a shaky period...
User avatar
New Narrative Feb 09

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.
Analysis Article Jan 02

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

Personal Group Holdings Plc ( LON:PGH ) shares have had a really impressive month, gaining 25% after a shaky period...
Analysis Article Mar 31

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

The board of Personal Group Holdings Plc ( LON:PGH ) has announced that it will pay a dividend of £0.053 per share on...
Analysis Article Sep 30

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

The board of Personal Group Holdings Plc ( LON:PGH ) has announced that it will pay a dividend on the 15th of November...
Analysis Article Mar 15

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

Today we'll take a closer look at Personal Group Holdings Plc ( LON:PGH ) from a dividend investor's perspective...
Analysis Article Feb 15

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

While it may not be enough for some shareholders, we think it is good to see the Personal Group Holdings Plc ( LON:PGH...
Analysis Article 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?

With its stock down 23% over the past three months, it is easy to disregard Personal Group Holdings (LON:PGH). But if...

Shareholder Returns

PGHGB InsuranceGB Market
7D2.0%4.6%2.4%
1Y36.9%14.3%18.2%

Return vs Industry: PGH exceeded the UK Insurance industry which returned 14.3% over the past year.

Return vs Market: PGH exceeded the UK Market which returned 18.2% over the past year.

Price Volatility

Is PGH's price volatile compared to industry and market?
PGH volatility
PGH Average Weekly Movement5.3%
Insurance Industry Average Movement3.6%
Market Average Movement5.6%
10% most volatile stocks in GB Market11.2%
10% least volatile stocks in GB Market3.1%

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 (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1996258Paula 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 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£122.09m
Earnings (TTM)UK£7.29m
Revenue (TTM)UK£48.28m
16.8x
P/E Ratio
2.5x
P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PGH income statement (TTM)
RevenueUK£48.28m
Cost of RevenueUK£26.32m
Gross ProfitUK£21.96m
Other ExpensesUK£14.68m
EarningsUK£7.29m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.23
Gross Margin45.49%
Net Profit Margin15.09%
Debt/Equity Ratio0%

How did PGH perform over the long term?

See historical performance and comparison

Dividends

6.0%
Current Dividend Yield
100%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/18 21:30
End of Day Share Price 2026/06/18 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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 4 analysts. 2 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
Hayley PalmerCanaccord Genuity
Portia PatelCanaccord Genuity