Personal Group Holdings
Market Cap
UK£121.4m
Last Updated
2019/08/22 20:39 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.
Snowflake
Fundamentals
Excellent balance sheet established dividend payer.
Risks
- Personal Group Holdings is covered by less than 3 analysts.
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
Market Performance
7 Day Return
-1.3%
AIM:PGH
-1.2%
GB Insurance
1.1%
GB Market
1 Year Return
-19.5%
AIM:PGH
-15.2%
GB Insurance
-4.8%
GB Market
PGH underperformed the Insurance industry which returned -15.2% over the past year.
PGH underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -4.8% over the past year.
Share holder returns
| PGH | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.3% | -1.2% | 1.1% |
| 30 Day | -3.5% | -12.7% | -3.5% |
| 90 Day | -17.8% | -7.7% | -0.7% |
| 1 Year | -14.9%-19.5% | -10.6%-15.2% | -0.3%-4.8% |
| 3 Year | -3.0%-19.0% | 16.6%-0.3% | 19.4%5.3% |
| 5 Year | -7.3%-28.3% | 23.7%-2.5% | 27.8%0.9% |
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
2 weeks ago | Simply Wall St
Is It Smart To Buy Personal Group Holdings Plc (LON:PGH) Before It Goes Ex-Dividend?1 month ago | Simply Wall St
Personal Group Holdings Plc's (LON:PGH) 5.8% Dividend Yield Looks Pretty Interesting2 months ago | Simply Wall St
Should You Be Excited About Personal Group Holdings Plc's (LON:PGH) 24% Return On Equity?Valuation
Is Personal Group Holdings undervalued based on future cash flows and its price relative to the stock market?
19%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
Personal Group Holdings's share price is below the future cash flow value, but not at a moderate discount (< 20%).
Personal Group Holdings's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
Personal Group Holdings is good value based on earnings compared to the GB Insurance industry average.
Personal Group Holdings is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Personal Group Holdings, we can't assess if its growth is good value.
Price Based on Value of Assets
Personal Group Holdings is overvalued based on assets compared to the GB Insurance industry average.
Next Steps
Future Growth
How is Personal Group Holdings expected to perform in the next 1 to 3 years based on estimates from 1 analyst?
10.1%
Forecasted Insurance industry annual growth in earnings
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Personal Group Holdings is high growth as no revenue estimate data is available.
Unable to determine if Personal Group Holdings is high growth as no earnings estimate data is available.
Unable to compare Personal Group Holdings's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Unable to compare Personal Group Holdings's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Unable to compare Personal Group Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Personal Group Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Personal Group Holdings performed over the past 5 years?
13.1%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Personal Group Holdings's year on year earnings growth rate has been positive over the past 5 years.
Personal Group Holdings's 1-year earnings growth is less than its 5-year average (4.6% vs 13.1%)
Personal Group Holdings's earnings growth has not exceeded the GB Insurance industry average in the past year (4.6% vs 12.6%).
Return on Equity
Personal Group Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
Return on Assets
Personal Group Holdings used its assets more efficiently than the GB Insurance industry average last year based on Return on Assets.
Return on Capital Employed
Personal Group Holdings's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
Next Steps
Financial Health
How is Personal Group Holdings's financial position?
Financial Position Analysis
Personal Group Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Personal Group Holdings's cash and other short term assets cover its long term commitments.
Debt to Equity History and Analysis
Personal Group Holdings's level of debt (0%) compared to net worth is satisfactory (less than 40%).
Unable to establish if Personal Group Holdings's debt level has increased without past 5-year debt data.
Debt is well covered by operating cash flow (7.4984933795716E+18%, greater than 20% of total debt).
Interest payments on debt are well covered by earnings (EBIT is 65.2x coverage).
Balance Sheet
Low level of unsold assets.
Debt is covered by short term assets, assets are 3.1606262184885E+17x debt.
Next Steps
Dividend
What is Personal Group Holdings's current dividend yield, its reliability and sustainability?
6.02%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Personal Group Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.07%).
Personal Group Holdings's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.66%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are covered by earnings (1.2x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of Personal Group Holdings's salary, the management and board of directors tenure and is there insider trading?
5.1yrs
Average management tenure
CEO
Deborah Rees-Frost (53yo)
0.5yrs
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 ...
Management Age and Tenure
5.1yrs
Average Tenure
51yo
Average Age
The average tenure for the Personal Group Holdings management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
3.3yrs
Average Tenure
56yo
Average Age
The tenure for the Personal Group Holdings board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Recent Insider Transactions
| Entity | Individual |
| Shares | 150,000 |
| Max Price | UK£5.22 |
| Entity | Individual |
| Role | Member of the Board of Directors CFO & Director |
| Shares | 29,689 |
| Max Price | UK£5.35 |
Ownership Breakdown
Management Team
Ashley Doody (49yo)
Chief Information Officer
- Tenure: 6.3yrs
Rebekah Tapping
Human Resources Director
- Tenure: 4.6yrs
Mike Dugdale (56yo)
CFO & Director
- Tenure: 6.6yrs
- Compensation: UK£367.00k
Andy Lothian (47yo)
Executive Director & MD of Personal Group Benefits Ltd
- Tenure: 2.0yrs
- Compensation: UK£162.00k
Deborah Rees-Frost (53yo)
CEO & Director
- Tenure: 0.5yrs
- Compensation: UK£40.00k
Sarah Mace
Group Financial Controller
- Tenure: 5.3yrs
Philip Dennis
Investor Relations Professional
- Tenure: 0.0yrs
Lee Williams
Chief Commercial Officer
- Tenure: 0.6yrs
Board Members
Bob Head (61yo)
Non-Executive Director
- Tenure: 2.8yrs
- Compensation: UK£40.00k
Ken Rooney (69yo)
Non-Executive Deputy Chairman
- Tenure: 4.6yrs
- Compensation: UK£40.00k
Mark Winlow (57yo)
Chairman of the Board
- Tenure: 3.3yrs
- Compensation: UK£76.00k
Mike Dugdale (56yo)
CFO & Director
- Tenure: 6.6yrs
- Compensation: UK£367.00k
Andy Lothian (47yo)
Executive Director & MD of Personal Group Benefits Ltd
- Tenure: 2.0yrs
- Compensation: UK£162.00k
Maria Darby-Walker
Non-Executive Director
- Tenure: 0.2yrs
Deborah Rees-Frost (53yo)
CEO & Director
- Tenure: 0.5yrs
- Compensation: UK£40.00k
Sarah Mace
Group Financial Controller
- Tenure: 5.3yrs
Maria Walker (54yo)
Director
- Tenure: 0.2yrs
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£121.398m
- 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 |
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 ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/22 20:39 |
| End of Day Share Price | 2019/08/22 00:00 |
| Earnings | 2018/12/31 |
| 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.