Personal Group Holdings (PGH) AI Stock Analysis

• Market Cap: £101.68M
• Dividend Yield: 5.57%
• Average Volume (3M): 84.16K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.83
• Revenue Growth: 20.68%
• EPS Growth: 44.23%
• Country: UK
• Employees: 253
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.09
• Shares Outstanding: 31,277,030
• 10 Day Avg. Volume: 42,089
• 30 Day Avg. Volume: 84,160
• PEG Ratio: 0.18
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 1.33
• P/FCF Ratio: 6.73
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £416.00
• Price Target Upside: 27.22% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: 354.00p ▲(8.26% Upside)

Personal Group Holdings shows strong financial performance with improving profitability and cash flow management. The valuation is reasonable with an attractive dividend yield. However, technical indicators are mixed, with some bearish signals, which slightly dampen the overall outlook.

Personal Group Holdings Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Personal Group Holdings generates revenue through multiple key streams, primarily by providing employee benefits packages to businesses. The company charges employers for access to its suite of services, which includes insurance products, such as life and health insurance, as well as access to employee assistance programs and wellbeing services. In addition to direct sales to corporate clients, PGH also earns income through commission on insurance products and fees associated with its digital platforms. Strategic partnerships with insurance providers and technology firms enhance its offerings and expand its market reach, contributing to a steady flow of revenue. Furthermore, PGH benefits from a recurring revenue model, as many of its services are subscription-based, ensuring ongoing income from existing clients.

Personal Group Holdings Financial Statement Overview

Summary

Personal Group Holdings demonstrates strong financial health with a robust recovery in revenue and profitability. The company shows effective cost management, with significant improvements in net profit margin, EBIT, and EBITDA. Cash flow management is also commendable, with a strong operating cash flow to net income ratio.

Income Statement

Personal Group Holdings shows strong recovery in revenue and profitability, with a revenue growth rate of 13.29% in 2023. The gross profit margin remains robust at 100% due to revenue matching gross profit. The net profit margin improved to 14.83% in 2024 from 11.19% in 2023, indicating better cost management and efficiency. EBIT and EBITDA margins also demonstrate significant improvement, suggesting enhanced operational profitability.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.03, indicating minimal leverage and reduced financial risk. Return on equity improved to 18.64% in 2024, showcasing effective utilization of equity to generate profits. However, the equity ratio decreased slightly to 67.94%, signaling a minor decline in the proportion of equity financing.

Cash Flow

Operating cash flow to net income ratio of 1.76 in 2024 highlights strong cash flow generation relative to earnings. Free cash flow grew by 64.06% from 2023 to 2024, demonstrating robust cash flow management. Free cash flow to net income ratio remains high at 1.33, underscoring the company's ability to generate cash in excess of net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	46.04M	43.81M	31.13M	27.17M	74.51M	71.52M
Gross Profit	26.79M	43.81M	33.17M	44.43M	71.04M	71.52M
EBITDA	8.46M	9.51M	7.06M	-4.90M	5.92M	10.10M
Net Income	6.63M	6.50M	4.32M	-7.25M	3.60M	6.89M
Balance Sheet
Total Assets	49.99M	51.29M	49.19M	46.61M	57.60M	58.92M
Cash, Cash Equivalents and Short-Term Investments	0.00	19.06M	17.50M	16.96M	20.29M	17.59M
Total Debt	0.00	964.00K	1.13M	278.00K	474.00K	656.00K
Total Liabilities	15.15M	16.45M	17.19M	15.63M	16.32M	18.15M
Stockholders Equity	34.83M	34.84M	32.00M	30.98M	41.28M	40.77M
Cash Flow
Free Cash Flow	11.18M	8.67M	5.29M	1.71M	6.37M	7.33M
Operating Cash Flow	11.46M	11.44M	7.48M	3.24M	7.59M	8.10M
Investing Cash Flow	-437.00K	-2.48M	-2.94M	-2.80M	-1.20M	-331.00K
Financing Cash Flow	-5.83M	-4.47M	-4.00M	-3.77M	-3.68M	-4.66M

Personal Group Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 327.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PGH, the sentiment is Positive. The current price of 327 is above the 20-day moving average (MA) of 319.55, below the 50-day MA of 339.97, and above the 200-day MA of 272.68, indicating a neutral trend. The MACD of -4.90 indicates Negative momentum. The RSI at 52.80 is Neutral, neither overbought nor oversold. The STOCH value of 86.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PGH.

Personal Group Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PGH	―	£101.68M	15.33	19.91%	5.57%	20.68%	44.23%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PMI	―	£91.87M	38.82	1.99%	10.17%	1.57%	7.80%
HSD	―	£61.92M	33.94	9.65%	9.93%	-52.34%	-65.35%
PEEL	―	£123.08M	-48.39	-3.06%	―	6.38%	17.11%

Personal Group Holdings Corporate Events

Personal Group Holdings Reports Strong H1 2025 Results with Record Insurance Sales

Personal Group Holdings Plc reported strong financial results for the first half of 2025, with double-digit revenue growth and a 42% increase in adjusted EBITDA. The company achieved record insurance sales and expanded its recurring revenue streams, leading to a 26% increase in the interim dividend. The company’s strategic progress and new partnerships have expanded its customer base, supporting its growth ambitions. The macroeconomic environment is driving demand for Personal Group’s offerings, as employers increasingly recognize the importance of insurance and benefits in the workplace.

The most recent analyst rating on (GB:PGH) stock is a Buy with a £368.00 price target. To see the full list of analyst forecasts on Personal Group Holdings stock, see the GB:PGH Stock Forecast page.

Personal Group Holdings to Announce Interim Results and Host Investor Presentations

Personal Group Holdings Plc announced it will release its interim results for the first half of 2025 on September 16, 2025. The company will host virtual presentations for analysts and retail investors, highlighting its ongoing commitment to transparency and engagement with stakeholders. These presentations are expected to reinforce Personal Group’s market position and its role in the workforce benefits and insurance industry.

The most recent analyst rating on (GB:PGH) stock is a Buy with a £368.00 price target. To see the full list of analyst forecasts on Personal Group Holdings stock, see the GB:PGH Stock Forecast page.