Personal Group Holdings (AIM:PGH) Stock Price & Quote Analysis

PGH fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	1/6
Financial Health	6/6
Dividends	2/6

PGH Stock Overview

Personal Group Holdings Plc provides short-term accident and health insurance services, SaaS products, and salary sacrifice technology products in the United Kingdom.

Rewards

Trading at 65.9% below our estimate of its fair value

Earnings are forecast to grow 63.75% per year

Risk Analysis

Dividend of 5.76% is not well covered

Profit margins (2%) are lower than last year (8.3%)

Does not have a meaningful market cap (£57M)

Personal Group Holdings Plc Competitors

Sabre Insurance Group

LSE:SBRE

UK£241.7m

Direct Line Insurance Group

LSE:DLG

UK£2.4b

Beazley

LSE:BEZ

UK£3.4b

Hansard Global

LSE:HSD

UK£49.2m

Price History & Performance

Summary of all time highs, changes and price drops for Personal Group Holdings
Historical stock prices
Current Share Price	UK£1.84
52 Week High	UK£3.88
52 Week Low	UK£1.80
Beta	0.30
1 Month Change	-17.67%
3 Month Change	-31.85%
1 Year Change	-37.84%
3 Year Change	-46.51%
5 Year Change	-54.57%
Change since IPO	119.70%

Recent News & Updates

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...

Shareholder Returns

	PGH	GB Insurance	GB Market
7D	0%	-11.0%	-4.1%
1Y	-37.8%	-30.7%	-16.2%

Return vs Industry: PGH underperformed the UK Insurance industry which returned -30.7% over the past year.

Return vs Market: PGH underperformed the UK Market which returned -16.2% over the past year.

Price Volatility

Is PGH's price volatile compared to industry and market?
PGH volatility
PGH Average Weekly Movement	4.8%
Insurance Industry Average Movement	4.5%
Market Average Movement	5.3%
10% most volatile stocks in GB Market	10.7%
10% least volatile stocks in GB Market	2.8%

Stable Share Price: PGH is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: PGH's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1984	233	Deborah Rees-Frost	https://www.personalgroup.com

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.

Personal Group Holdings Plc Fundamentals Summary

How do Personal Group Holdings's earnings and revenue compare to its market cap?
PGH fundamental statistics
Market Cap	UK£57.33m
Earnings (TTM)	UK£1.49m
Revenue (TTM)	UK£76.36m

38.5x

P/E Ratio

0.8x

P/S Ratio

Is PGH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
PGH income statement (TTM)
Revenue	UK£76.36m
Cost of Revenue	UK£57.85m
Gross Profit	UK£18.51m
Other Expenses	UK£17.02m
Earnings	UK£1.49m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

Sep 30, 2022

Earnings per share (EPS)	0.048
Gross Margin	24.24%
Net Profit Margin	1.95%
Debt/Equity Ratio	0.0%

How did PGH perform over the long term?

See historical performance and comparison

Dividends

5.8%

Current Dividend Yield

222%

Payout Ratio

Does PGH pay a reliable dividends?

See PGH dividend history and benchmarks

When do you need to buy PGH by to receive an upcoming dividend?
Personal Group Holdings dividend dates
Ex Dividend Date	Oct 06 2022
Dividend Pay Date	Nov 15 2022
Days until Ex dividend	5 days
Days until Dividend pay date	45 days