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Personal Group Holdings (PGH) Price & Analysis

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PGH Stock Chart & Stats

400.00 p

3.25 p(0.82%)

At close: Jul 27 4:00 PM EDT

400.00 p

3.25 p(0.82%)

Day’s Range― - ―

52-Week Range280.00 p - 455.00 p

Previous CloseN/A

Volume23.73K

Average Volume (3M)62.44K

Market Cap

£134.92M

Enterprise Value126.29M

Total Cash (Recent Filing)£26.41M

Total Debt (Recent Filing)£0.00

Price to Earnings (P/E)16.4

Beta0.54

Next Earnings

Mar 30, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield5.64%

Share Statistics

EPS (TTM)0.26

Shares Outstanding31,648,266

10 Day Avg. Volume39,458

30 Day Avg. Volume62,444

Financial Highlights & Ratios

PEG Ratio1.43

Price to Book (P/B)2.66

Price to Sales (P/S)2.02

P/FCF Ratio9.19

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

£465.00

Price Target Upside16.25% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)0.24

Revenue Forecast (FY)£53.82M

Bulls Say, Bears Say

Bulls Say

Debt-free Balance SheetThe debt-free balance sheet gives Personal Group substantial financial flexibility and reduces exposure to interest costs or refinancing pressure. A meaningful equity base also provides resilience through weaker trading periods and supports continued investment, dividends, or strategic initiatives without relying heavily on borrowing.

Improved Profitability And Cash GenerationStrong operating and free cash flow alongside restored profitability indicates that recent earnings are translating into financial resources rather than remaining purely accounting gains. This supports sustainable shareholder returns, internal investment, and the company’s ability to fund operations without increasing leverage.

Recurring-income GrowthHigh recurring income can make employee-benefits and engagement revenue more predictable, while the H1 2026 growth in revenue and adjusted EBITDA suggests improving operating leverage. If sustained, this combination can strengthen earnings visibility and support reinvestment in the company’s digital service platform.

Bears Say

Volatile Multi-year Revenue HistoryThe sharp earlier revenue decline shows that Personal Group’s top-line performance has not been consistently progressive across cycles. Even with a recent recovery, this volatility makes forward planning less certain and could constrain the durability of margin expansion if growth weakens again.

Uneven Cash ConversionAlthough cash generation remains strong in absolute terms, the recent decline in free cash flow and uneven coverage across years indicate that earnings do not convert at a uniformly stable rate. Persistent variability could reduce flexibility for dividends, investment, or other capital-allocation priorities.

Historical Earnings CyclicalityThe swing from a substantial loss to a similar-sized profit demonstrates meaningful earnings cyclicality, despite the stronger recent performance. Such variability can make results more sensitive to changes in trading conditions and makes current profitability less certain as a long-term baseline.

Personal Group Holdings News

Personal Group Issues New Shares Following Employee Option Exercise

The latest announcement is out from Personal Group Holdings ( ($GB:PGH) ). Personal Group Holdings has issued 8,746...

1M ago

Personal Group Issues New Shares After PDMR Option Exercise

Personal Group Holdings ( ($GB:PGH) ) has issued an announcement. Personal Group Holdings, a workforce benefits and health...

1M ago

Personal Group corrects dividend timetable for 2026 interim payout

Personal Group Holdings ( ($GB:PGH) ) has issued an announcement. Personal Group Holdings PLC has issued a correction...

1M ago

Personal Group Delivers Record Insurance Sales and Double-Digit Earnings Growth

Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings reported a strong first half...

1M ago

Personal Group deepens Simplyhealth partnership to expand Hapi workplace wellbeing services

Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings has extended its strategic partnership...

2M ago

Personal Group Sets September Date for Interim Results and Investor Briefings

An update from Personal Group Holdings ( ($GB:PGH) ) is now available. Personal Group Holdings PLC will publish...

2M ago

Personal Group updates share capital and voting rights after employee option exercise

Personal Group Holdings ( ($GB:PGH) ) has provided an update. Personal Group Holdings Plc has issued 27,776 new...

3M ago

Personal Group lifts H1 revenue and EBITDA on record insurance sales

Personal Group Holdings ( ($GB:PGH) ) just unveiled an update. Personal Group reported strong first-half trading for 2026,...

3M ago

Personal Group Executives Increase Stakes via Employee Share Plan

Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings Plc reported that senior executives...

4M ago

Personal Group Names CFO Matthew Cohen to Board After Regulatory Approval

An update from Personal Group Holdings ( ($GB:PGH) ) is now available. Personal Group Holdings, a Milton Keynes–headquartered...

4M ago

PGH FAQ

What was Personal Group Holdings PLC’s price range in the past 12 months?

Personal Group Holdings PLC lowest share price was 280.00 p and its highest was 455.00 p in the past 12 months.

What is Personal Group Holdings PLC’s market cap?

Personal Group Holdings PLC’s market cap is £134.92M.

When is Personal Group Holdings PLC’s upcoming earnings report date?

Personal Group Holdings PLC’s upcoming earnings report date is Mar 30, 2027 which is in 151 days.

How were Personal Group Holdings PLC’s earnings last quarter?

Personal Group Holdings PLC released its earnings results on Sep 15, 2026. The company reported 0.118 p earnings per share for the quarter, missing the consensus estimate of 0.127 p by -0.009 p.

Is Personal Group Holdings PLC overvalued?

According to Wall Street analysts Personal Group Holdings PLC’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Personal Group Holdings PLC pay dividends?

Personal Group Holdings PLC pays a Semiannually dividend of 9 p which represents an annual dividend yield of 5.64%. See more information on Personal Group Holdings PLC dividends here

What is Personal Group Holdings PLC’s EPS estimate?

Personal Group Holdings PLC’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Personal Group Holdings PLC have?

Personal Group Holdings PLC has 31,648,266 shares outstanding.

What happened to Personal Group Holdings PLC’s price movement after its last earnings report?

Personal Group Holdings PLC reported an EPS of 0.118 p in its last earnings report, missing expectations of 0.127 p. Following the earnings report the stock price went up 1.863%.

Which hedge fund is a major shareholder of Personal Group Holdings PLC?

Currently, no hedge funds are holding shares in GB:PGH

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Personal Group Holdings Stock Smart Score

Neutral

Fundamentals

Return on Equity

22.40%

Trailing 12-Months

Asset Growth

5.61%

Trailing 12-Months

Learn more about TipRanks Smart Score

Top Smart Score Stocks >

Company Description

Personal Group Holdings PLC

Founded in 1984 and headquartered in Milton Keynes, UK, Personal Group Holdings Plc provides a comprehensive range of services across the United Kingdom, encompassing short-term accident and health insurance, various software-as-a-service (SaaS) products, and technology solutions that utilize salary sacrifice schemes. The company operates through several key divisions: Affordable Insurance, Other Owned Benefits, Benefits and Platform, and Pay and Reward. Its insurance portfolio includes coverage for hospital stays, recovery periods, and death benefits. Beyond insurance, Personal Group offers expert consultancy and software for pay and reward management, alongside a suite of cloud-based SaaS applications. Notably, it manages HAPI, a proprietary digital platform that grants employees access to a wide array of financial, physical, mental, and social benefits. Additionally, its Let's Connect initiative enables employers to facilitate employee acquisition of consumer technology and other goods from manufacturers through advantageous salary sacrifice arrangements.

Personal Group Holdings (PGH) Earnings & Revenues

Historic Earnings Reports

PGH Stock 12 Month Forecast

Average Price Target

465.00 p

▲(16.25% Upside)

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Detailed Analyst Forecast >