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PGH Stock Chart & Stats
400.00 p
3.25 p(0.82%)
At close: 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, 2027EPS 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
£465.00Price 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
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.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
£465.00 (16.25% Upside)
£465.00 (16.25% Upside)
Insider Transactions
Sold Shares
Worth £68.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
39.65%
12-Months-Change
Fundamentals
Return on Equity
22.40%
Trailing 12-Months
Asset Growth
5.61%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
PGH Stock 12 Month Forecast
Average Price Target
465.00 p
▲(16.25% Upside)
Technical Analysis
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