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Personal Group Holdings (PGH) Ratios
Personal Group Holdings Ratios
GB:PGH's free cash flow for Q2 2026 was $6.83M. For the 2026 fiscal year, GB:PGH's free cash flow was decreased by $-102.00K and operating cash flow was $6.93M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 72.08 | 4.86 | 3.66 | 1.54 | 1.65 |
| Quick Ratio | 72.08 | 4.86 | 3.65 | 1.54 | 1.65 |
| Cash Ratio | 72.08 | 1.36 | 0.96 | 1.48 | 1.58 |
| Solvency Ratio | 0.51 | 0.55 | 0.36 | -0.35 | 0.32 |
| Operating Cash Flow Ratio | 31.78 | 0.81 | 0.50 | 0.28 | 0.59 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 18.42 | 13.39 | 21.89 | 0.00 |
| Net Current Asset Value | $ 4.47M | $ 51.88M | $ 38.13M | $ 2.05M | $ 4.87M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.01 | 0.03 | 0.04 | 0.01 | 0.01 |
| Debt-to-Capital Ratio | 0.01 | 0.03 | 0.03 | 0.01 | 0.01 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 1.56 | 1.47 | 1.54 | 1.50 | 1.40 |
| Debt Service Coverage Ratio | 137.69 | 11.29 | 9.66 | -32.11 | 161.88 |
| Interest Coverage Ratio | 109.27 | 64.40 | 66.51 | 196.75 | 139.81 |
| Debt to Market Cap | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.02 | 0.03 | 0.04 | 0.01 | 0.02 |
| Net Debt to EBITDA | -2.09 | -1.90 | -1.90 | 3.40 | -3.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 100.00% | 106.57% | 163.54% | 95.34% |
| EBIT Margin | 17.55% | 15.82% | 16.56% | -24.81% | 5.87% |
| EBITDA Margin | 24.25% | 21.70% | 22.68% | -18.04% | 7.95% |
| Operating Profit Margin | 17.40% | 15.58% | 16.88% | 14.48% | 6.00% |
| Pretax Profit Margin | 17.40% | 15.58% | 16.31% | -24.88% | 5.83% |
| Net Profit Margin | 15.06% | 14.83% | 13.89% | -26.70% | 4.83% |
| Continuous Operations Profit Margin | 15.06% | 12.62% | 13.42% | -26.70% | 4.83% |
| Net Income Per EBT | 86.59% | 95.17% | 85.15% | 107.29% | 82.84% |
| EBT Per EBIT | 100.00% | 100.00% | 96.65% | -171.79% | 97.05% |
| Return on Assets (ROA) | 12.70% | 12.67% | 8.79% | -15.56% | 6.24% |
| Return on Equity (ROE) | 19.79% | 18.65% | 13.51% | -23.41% | 8.71% |
| Return on Capital Employed (ROCE) | 14.76% | 18.33% | 15.41% | 11.20% | 9.99% |
| Return on Invested Capital (ROIC) | 12.70% | 14.37% | 12.28% | 20.45% | 12.19% |
| Return on Tangible Assets | 14.73% | 14.85% | 10.09% | -17.46% | 8.31% |
| Earnings Yield | 7.45% | 11.12% | 7.48% | -11.85% | 3.55% |
| Efficiency Ratios | |||||
| Receivables Turnover | 3.27 | 4.38 | 1.94 | 1.01 | 3.01 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.27 |
| Inventory Turnover | 0.00 | 0.00 | 20.18 | 0.00 | 0.00 |
| Fixed Asset Turnover | 12.22 | 9.78 | 6.20 | 5.86 | 14.80 |
| Asset Turnover | 0.84 | 0.85 | 0.63 | 0.58 | 1.29 |
| Working Capital Turnover Ratio | 1.23 | 0.93 | 1.34 | 3.73 | 12.55 |
| Cash Conversion Cycle | 111.56 | 83.27 | 205.87 | 362.35 | -1219.81 |
| Days of Sales Outstanding | 111.56 | 83.27 | 187.78 | 362.35 | 121.18 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 18.09 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 1341.00 |
| Operating Cycle | 111.56 | 83.27 | 205.87 | 362.35 | 121.18 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.35 | 0.37 | 0.24 | 0.10 | 0.24 |
| Free Cash Flow Per Share | 0.34 | 0.28 | 0.17 | 0.05 | 0.20 |
| Dividend Paid and CapEx Coverage Ratio | 1.82 | 1.73 | 1.32 | 0.67 | 1.70 |
| Capital Expenditure Coverage Ratio | 28.50 | 4.13 | 3.41 | 2.12 | 6.24 |
| Operating Cash Flow Coverage Ratio | 24.35 | 11.87 | 6.65 | 11.65 | 16.01 |
| Operating Cash Flow to Sales Ratio | 0.23 | 0.26 | 0.24 | 0.12 | 0.10 |
| Free Cash Flow Yield | 10.88% | 14.85% | 9.15% | 2.80% | 6.28% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.61 | 8.90 | 13.36 | -8.44 | 28.19 |
| Price-to-Sales (P/S) Ratio | 2.02 | 1.33 | 1.86 | 2.25 | 1.36 |
| Price-to-Book (P/B) Ratio | 2.66 | 1.68 | 1.81 | 1.97 | 2.46 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.19 | 6.73 | 10.93 | 35.74 | 15.92 |
| Price-to-Operating Cash Flow Ratio | 8.87 | 5.10 | 7.72 | 18.88 | 13.37 |
| Price-to-Earnings Growth (PEG) Ratio | 1.43 | 0.18 | -0.08 | 0.03 | -0.62 |
| Enterprise Value Multiple | 6.24 | 4.24 | 6.28 | -9.08 | 13.77 |
| Enterprise Value | 73.24M | 40.30M | 44.32M | 44.50M | 81.60M |
| EV to EBITDA | 6.24 | 4.24 | 6.28 | -9.08 | 13.77 |
| EV to Sales | 1.51 | 0.92 | 1.42 | 1.64 | 1.10 |
| EV to Free Cash Flow | 6.88 | 4.65 | 8.38 | 25.99 | 12.81 |
| EV to Operating Cash Flow | 6.64 | 3.52 | 5.92 | 13.73 | 10.75 |
| Tangible Book Value Per Share | 0.93 | 0.87 | 0.82 | 0.83 | 0.86 |
| Shareholders’ Equity Per Share | 1.18 | 1.12 | 1.02 | 0.99 | 1.32 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.13 | 0.19 | 0.18 | -0.07 | 0.17 |
| Revenue Per Share | 1.55 | 1.40 | 1.00 | 0.87 | 2.39 |
| Net Income Per Share | 0.23 | 0.21 | 0.14 | -0.23 | 0.12 |
| Tax Burden | 0.87 | 0.95 | 0.85 | 1.07 | 0.83 |
| Interest Burden | 0.99 | 0.98 | 0.99 | 1.00 | 0.99 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.31 | 0.36 | 0.33 | 0.13 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Income Quality | 1.51 | 1.76 | 1.73 | -0.45 | 2.11 |
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