Want to see GB:PGH full AI Analyst Report?
Top Page
Personal Group Holdings
(LSE:PGH)
Select Model
Select Model
Rating:78Outperform
Price Target:
450.00 p
▲(12.50% Upside)
Action:Reiterated
Date:08/25/26
The score is driven primarily by strong financial performance (debt-free balance sheet and improved profitability/cash generation), supported by favorable recent corporate updates (strong H1 2026 revenue/EBITDA growth and continued strategic execution). Valuation is also supportive due to a high dividend yield with a moderate P/E, while technical indicators are more neutral-to-soft and reduce conviction on near-term momentum.
Positive Factors
Debt-free balance sheet
The absence of debt materially reduces financial risk, interest burden and refinancing exposure. Substantial equity provides resilience and preserves flexibility to invest in operations, maintain distributions or withstand weaker insurance conditions.
Negative Factors
Volatile multi-year revenue
The uneven revenue history indicates that growth is not yet consistently predictable across business cycles. Such volatility can make resource planning harder and may limit confidence that recent profitability improvements will compound steadily.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
The absence of debt materially reduces financial risk, interest burden and refinancing exposure. Substantial equity provides resilience and preserves flexibility to invest in operations, maintain distributions or withstand weaker insurance conditions.
Read all positive factors
Personal Group Holdings (PGH) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£126.09M
Dividend Yield5.82%
Average Volume (3M)44.01K
Price to Earnings (P/E)17.0
Beta (1Y)0.51
Revenue Growth10.42%
EPS Growth36.57%
CountryUK
Employees258
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.24
Shares Outstanding31,610,998
10 Day Avg. Volume71,930
30 Day Avg. Volume44,010
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 Covering1
EPS Forecast (FY)0.24
Revenue Forecast (FY)£53.82M
Personal Group Holdings Business Overview & Revenue Model
Company Description
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) p...
Personal Group Holdings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
90
Very Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 48.37M | 43.81M | 31.13M | 27.17M | 74.51M |
| Gross Profit | 48.37M | 43.81M | 33.17M | 44.43M | 71.04M |
| EBITDA | 11.73M | 9.51M | 7.06M | -4.90M | 5.92M |
| Net Income | 7.29M | 6.50M | 4.32M | -7.25M | 3.60M |
Balance Sheet | |||||
| Total Assets | 57.36M | 51.29M | 49.19M | 46.61M | 57.60M |
| Cash, Cash Equivalents and Short-Term Investments | 25.01M | 19.06M | 17.50M | 16.96M | 20.29M |
| Total Debt | 453.00K | 964.00K | 1.13M | 278.00K | 474.00K |
| Total Liabilities | 20.55M | 16.45M | 17.19M | 15.63M | 16.32M |
| Stockholders Equity | 36.81M | 34.84M | 32.00M | 30.98M | 41.28M |
Cash Flow | |||||
| Free Cash Flow | 10.64M | 8.67M | 5.29M | 1.71M | 6.37M |
| Operating Cash Flow | 11.03M | 11.44M | 7.48M | 3.24M | 7.59M |
| Investing Cash Flow | 1.30M | -2.48M | -2.94M | -2.80M | -1.20M |
| Financing Cash Flow | -6.38M | -4.47M | -4.00M | -3.77M | -3.68M |
Personal Group Holdings Technical Analysis
Positive
400.00
Price Trends
396.55
Positive
386.60
Positive
348.03
Positive
Market Momentum
0.83
Negative
53.72
Neutral
56.02
Neutral
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 400 is above the 20-day moving average (MA) of 397.80, above the 50-day MA of 396.55, and above the 200-day MA of 348.03, indicating a bullish trend. The MACD of 0.83 indicates Negative momentum. The RSI at 53.72 is Neutral, neither overbought nor oversold. The STOCH value of 56.02 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | £126.09M | 16.96 | 20.34% | 5.82% | 10.42% | 36.57% | |
77 Outperform | £238.40M | 5.15 | 13.59% | 5.34% | 19.87% | -50.88% | |
73 Outperform | £227.53M | 14.44 | 14.29% | 7.02% | 0.66% | 11.49% | |
69 Neutral | £2.14B | 28.33 | 16.86% | 1.80% | 16.10% | 21.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | £113.67M | -13.30 | -4.78% | 3.59% | -2.25% | -350.00% |
* Financial Sector Average
GB:PGH
Personal Group Holdings
400.00
60.86
17.94%
GB:BPM
B.P. Marsh & Partners plc
680.00
28.00
4.30%
GB:CLIG
City of London Investment
470.00
112.28
31.39%
GB:CMCX
CMC Markets
765.00
548.69
253.66%
GB:BANK
Immedia
4.00
-10.25
-71.93%
GB:MERC
Mercia Asset Management
27.00
-5.00
-15.63%
Personal Group Holdings Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Personal Group updates share capital and voting rights after employee option exercise
Neutral
Jul 27, 2026
Personal Group Holdings Plc has issued 27,776 new ordinary shares following the exercise of options by two employees under its Share Option Plan, with admission to trading on AIM expected on 30 July 2026. After admission, the company’s issue...
Business Operations and StrategyFinancial Disclosures
Personal Group lifts H1 revenue and EBITDA on record insurance sales
Positive
Jul 22, 2026
Personal Group reported strong first-half trading for 2026, with group revenue rising 10% to £25.7m and adjusted EBITDA up 22% to £6.7m, driven by more than 90% recurring income and robust growth in both insurance and benefits and reward...
Business Operations and StrategyRegulatory Filings and Compliance
Personal Group Executives Increase Stakes via Employee Share Plan
Positive
Jul 2, 2026
Personal Group Holdings Plc reported that senior executives participated in its HMRC-approved Employee Share Ownership Plan, acquiring small additional holdings in ordinary shares at 387.00p per share. Chief Commercial Officer Karen Thornley and C...
Business Operations and StrategyExecutive/Board Changes
Personal Group Names CFO Matthew Cohen to Board After Regulatory Approval
Positive
Jun 29, 2026
Personal Group Holdings, a Milton Keynes–headquartered workforce benefits and health insurance provider, supports the health and wellbeing of about 1.25 million UK employees through individual protection policies and its Hapi benefits platfo...
Business Operations and StrategyExecutive/Board Changes
Personal Group Ties New LTIP Grants to Ambitious TSR and EBITDA Targets
Positive
May 28, 2026
Personal Group Holdings has granted 212,357 share options under its Long-Term Incentive Plan, structured as options over ordinary shares with a nominal exercise price and subject to performance-based vesting over the three financial years to 31 De...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.