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Personal Group Holdings (PGH) Share Price & Analysis
PGH Stock Chart & Stats
- Day’s Range
- GBX 425.00 - GBX 430.00
- 52-Week Range
- GBX 280.00 - GBX 455.00
- Previous Close
- GBX 427.50
- Volume
- N/A
- Average Volume (3M)
- 53.28K
- Market Cap
- GBP 134.92M
- Enterprise Value
- GBP 126.29M
- Total Cash (Recent Filing)
- GBP 26.41M
- Total Debt (Recent Filing)
- GBP 0
- Price to Earnings (P/E)
- 16.4
- Beta
- 0.54
- Next Earnings
- Mar 30, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 24, 2026
- Dividend Yield
- 5.64%
Bulls Say, Bears Say
Bulls Say
Debt-free Balance Sheet
The elimination of debt gives PGH substantial financial flexibility and reduces interest and refinancing exposure. A strong equity base provides resilience through weaker periods and leaves more internally generated cash available for investment, dividends, or strategic execution.
Improved Profitability And Cash Generation
The recovery from the earlier loss year to healthy net margins demonstrates materially improved earnings power. Strong operating cash generation also supports self-funded growth and shareholder returns, although the durability of performance depends on maintaining recent operating improvements.
Recurring-income Growth And Strategic Execution
Double-digit revenue and EBITDA growth alongside high recurring income suggests improving customer and revenue quality, not merely a temporary sales increase. Recurring activity can support visibility, operating leverage, and continued investment in the employee-benefits platform over coming quarters.
Bears Say
Volatile Multi-year Revenue Pattern
The uneven revenue history indicates that demand and growth have not followed a consistently predictable path. Although recent performance improved, another period of slower activity could make budgeting, margin planning, and sustained investment more difficult than the latest growth rates imply.
Variable Cash Conversion
Positive cash generation is a strength, but the recent decline and uneven historical coverage show that accounting earnings do not convert into cash at a fully consistent rate. Continued variability could constrain the timing of reinvestment, distributions, or other capital-allocation decisions.
Earnings Cyclicality
The swing from a substantial loss to profitability highlights meaningful earnings cyclicality despite current healthy returns. Such variability can weaken confidence in normalized earnings power and may leave results more exposed to changes in operating conditions over the medium term.
Personal Group Holdings News
Personal Group deepens Simplyhealth partnership to expand Hapi workplace wellbeing services
Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings has extended its strategic partnership with healthcare and health cash plan provider Simplyhealth, integrating Simplyhealth’s On Demand
Personal Group Executives Increase Stakes via Employee Share Plan
Personal Group Holdings ( ($GB:PGH) ) has provided an announcement. Personal Group Holdings Plc reported that senior executives participated in its HMRC-approved Employee Share Ownership Plan, acquiring small additional holdings
PGH FAQ
What was Personal Group Holdings’s price range in the past 12 months?
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When is Personal Group Holdings’s upcoming earnings report date?
How were Personal Group Holdings’s earnings last quarter?
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What is Personal Group Holdings’s EPS estimate?
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Personal Group Holdings Stock Smart Score
Company Description
Personal Group Holdings
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.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Paula Jane Constant
- Employees
- 258
- Website
- www.personalgroup.com
- Address
- John Ormond House, Milton Keynes, BU, MK9 3XL, GB
Personal Group Holdings (PGH) Earnings & Revenues
PGH Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 4 | 6 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 8 | 0 | 4 |








