Personal Group Holdings PLC (GB:PGH)
LSE:PGH
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PGH Stock Chart & Stats
300.00 p
-1.40 p(-0.74%)
At close: 4:00 PM EST
300.00 p
-1.40 p(-0.74%)
Day’s Range― - ―
52-Week Range280.00 p - 417.00 p
Previous CloseN/A
Volume3.00K
Average Volume (3M)84.16K
Market Cap
£124.41M
Enterprise Value105.27M
Total Cash (Recent Filing)£25.01M
Total Debt (Recent Filing)£0.00
Price to Earnings (P/E)16.9
Beta0.56
Next Earnings
Sep 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.58%
Share Statistics
EPS (TTM)0.24
Shares Outstanding31,583,221
10 Day Avg. Volume42,089
30 Day Avg. Volume84,160
Financial Highlights & Ratios
PEG Ratio1.41
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
£415.00Price Target Upside38.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.25
Revenue Forecast (FY)£54.53M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetZero reported debt and substantial equity provide durable financial flexibility. This conservative capital structure reduces solvency risk, supports investment or acquisitions, and gives management options for shareholder distributions or cushioning during economic stress over the next several quarters.
Sustained Profitability ReboundReturn to consistent profitability and mid-teens net margins indicates improved operating leverage and cost control. Higher returns on equity (~19–20%) in recent years suggest the business model can convert revenue into lasting profits if current trends persist, strengthening long-term earnings power.
Strong Cash GenerationHigh conversion of earnings into free cash flow demonstrates quality of reported profits and funds recurrent needs. Robust FCF supports dividends, reinvestment in the platform, and working capital, enabling durable capital allocation choices and lower external financing reliance.
Bears Say
Revenue And Earnings VolatilityA history of material swings—including a loss year in 2022—signals cyclicality and unpredictability in core revenue streams. Persistent volatility reduces forecasting accuracy, complicates long-term planning for investment, and increases the risk that margins could reverse if volumes or pricing weaken.
Uneven Cash Conversion TrendsA decline in FCF and inconsistent cash coverage indicate that operating cash dynamics can deteriorate even when accounting profits improve. This variability limits the predictability of funding for growth or distributions and raises the need for conservative liquidity planning.
Revenue Concentration On Employer And Partner ChannelsBusiness reliance on employer contracts and third-party insurers/partners creates structural exposure to employer budget cycles, contract renewals, and partner terms. Such concentration risks can compress fees or uptake rates and materially affect revenue durability if corporate clients cut benefits spend.
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 417.00 p in the past 12 months.
What is Personal Group Holdings PLC’s market cap?
Personal Group Holdings PLC’s market cap is £124.41M.
When is Personal Group Holdings PLC’s upcoming earnings report date?
Personal Group Holdings PLC’s upcoming earnings report date is Sep 29, 2026 which is in 114 days.
How were Personal Group Holdings PLC’s earnings last quarter?
Personal Group Holdings PLC released its earnings results on Mar 24, 2026. The company reported 0.138 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.138 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 15.1 p which represents an annual dividend yield of 5.58%. 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 31,583,221 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 0.138 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 10.927%.
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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Analyst Consensus
Moderate Buy
Average Price Target:
£415.00 (38.33% Upside)
£415.00 (38.33% Upside)
Insider Transactions
Sold Shares
Worth £494.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
68.84%
12-Months-Change
Fundamentals
Return on Equity
20.34%
Trailing 12-Months
Asset Growth
12.22%
Trailing 12-Months
Company Description
Personal Group Holdings PLC
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. The company also operates HAPI, a proprietary digital platform that allows employees to access financial, physical, mental, and social benefits; and Let's Connect, which enables employers to provide a benefit scheme that allows their employees to access consumer technology and other products from manufacturers through salary sacrifice. Personal Group Holdings Plc was founded in 1984 and is based in Milton Keynes, the United Kingdom.
PGH Stock 12 Month Forecast
Average Price Target
415.00 p
▲(38.33% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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