AIM:PGH

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Personal Group Holdings

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.


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

1.1%

PGH

0.8%

GB Insurance

-0.7%

GB Market


1 Year Return

-30.9%

PGH

-24.8%

GB Insurance

-15.7%

GB Market

Return vs Industry: PGH underperformed the UK Insurance industry which returned -25.1% over the past year.

Return vs Market: PGH underperformed the UK Market which returned -14.9% over the past year.


Shareholder returns

PGHIndustryMarket
7 Day1.1%0.8%-0.7%
30 Day0%4.5%0.6%
90 Day4.1%20.3%11.3%
1 Year-27.2%-30.9%-17.0%-24.8%-11.7%-15.7%
3 Year-11.6%-24.5%-13.0%-28.0%-4.3%-16.1%
5 Year-31.5%-46.9%3.7%-22.3%13.5%-11.9%

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

Valuation

Is Personal Group Holdings undervalued compared to its fair value and its price relative to the market?

34.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: PGH (£2.8) is trading below our estimate of fair value (£4.25)

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 (9.9x) compared to the GB Insurance industry average (10.2x).

PE vs Market: PGH is good value based on its PE Ratio (9.9x) compared to the UK market (15.4x).


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 (2.3x) 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?

12.9%

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

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?

8.43%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PGH's dividend (8.43%) is higher than the bottom 25% of dividend payers in the UK market (1.94%).

High Dividend: PGH's dividend (8.43%) is in the top 25% of dividend payers in the UK market (5.47%)


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 ($USD496.33K) is above average for companies of similar size in the UK market ($USD347.16K).

Compensation vs Earnings: Deborah's compensation has increased by more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Deborah Rees-Frost
CEO & Director1.42yrsUK£396.00k0.96% £840.3k
Michael Dugdale
CFO & Director7.5yrsUK£278.00k0.13% £116.3k
Andrew Lothian
Executive Director & MD of PGB2.92yrsUK£262.00k0.12% £106.8k
Ashley Doody
Chief Information Officer6.17yrsno data0.0030% £2.6k
Philip Dennis
Investor Relations Professionalno datano datano data
Rebekah Tapping
Group HR Director5.5yrsno datano data
Lee Williams
Chief Commercial Officer1.17yrsno datano data
Sarah Mace
Company Secretary & Group Financial Controller6.5yrsno data0.0066% £5.8k

5.8yrs

Average Tenure

52yo

Average Age

Experienced Management: PGH's management team is seasoned and experienced (5.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Deborah Rees-Frost
CEO & Director1.42yrsUK£396.00k0.96% £840.3k
Michael Dugdale
CFO & Director7.5yrsUK£278.00k0.13% £116.3k
Andrew Lothian
Executive Director & MD of PGB2.92yrsUK£262.00k0.12% £106.8k
Robert Head
Independent Non-Executive Director3.67yrsUK£43.00kno data
Kenneth Rooney
Non-Executive Deputy Chairman5.5yrsUK£44.00k0.011% £9.7k
Mark Winlow
Independent Non-Executive Chairman of the Board4.17yrsUK£76.00kno data
Maria Darby-Walker
Independent Non-Executive Director1.08yrsUK£22.00k0.00089% £775.8

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£87.169m
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PGHAIM (London Stock Exchange AIM Market)YesOrdinary SharesGBGBPNov 2000
PRBD.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDNov 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/14 21:02
End of Day Share Price2020/07/14 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.