YOLFTbeta
Personal Group Holdings PLC

Personal Group Holdings PLC

PGH · LSE · Financial Services / Insurance - Property & Casualty

430.00GBX-12.50 (-2.82%)

Price History

Full chart

Market Stats

Previous Close442.50
Open442.50
Day Range430.00 – 445.00
52-Week Range262.92 – 450.00
Volume10.22K
Market Cap134.18M
P/E (TTM)17.00
Forward P/E15.72
EPS0.25
Dividend Yield5.67%
Beta0.18
50-Day Avg408.42
200-Day Avg364.62

About

Personal Group Holdings Plc engages in the provision of employee services and salary sacrifice technology products in the United Kingdom. It operates through Affordable Insurance, Benefits and Reward segments. The company offers insurance products, including hospital plan, recovery plan, and death benefit policies; and consultancy services on pay and reward, as well as a suite of cloud-based SaaS solutions and surveys. It offers Hapi, a technology platform that allows connectivity, engagement, health and wellbeing; and Sage Employee Benefits, an engagement product designed for the SME market. The company was incorporated in 1996 and is headquartered in Milton Keynes, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMs. Paula Jane Constant
  • Employees258
  • HeadquartersJohn Ormond House, Milton Keynes, United Kingdom, MK9 3XL, UK
  • Websitehttps://www.personalgroup.com

Leadership

  • Ms. Paula Jane ConstantGroup CEO & Executive Director · b. 1978
  • Mr. Andrew George LothianNon-Executive Director · b. 1971
  • Mr. Matthew Adam CohenCFO & Director · b. 1990
  • Mr. Hywel PhilipsChief Operating Officer
  • Mr. Philip DennisInvestor Relations Professional
  • Ms. Jenny HindeChief People Officer
  • Ms. Karen ThornleyCEO of Innecto Reward Consulting
  • Mr. Joshua Roberts-JonesFinance Director & Company Secretary

Financials

Income Statement

Currency: GBP1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---10.69M10.92M12.44M3.90M9.37M28.14M27.36M26.40M26.55M26.12M26.74M27.48M27.36M28.39M47.03M58.03M52.00M45.23M55.35M70.89M71.52M74.51M27.17M49.56M43.81M48.37M
Growth (%)----+2.12%+13.86%-68.64%+140.34%+200.27%-2.75%-3.52%+0.55%-1.62%+2.40%+2.75%-0.41%+3.76%+65.65%+23.39%-10.40%-13.01%+22.36%+28.08%+0.90%+4.18%-63.54%+82.43%-11.61%+10.41%
Cost of Revenue----------------82.00K-34.00K-4.00K-4.00K-4.00K-4.00K-2.00K--3.47M5.08M-105.00K--
Gross Profit------3.90M9.37M28.14M27.36M26.40M26.55M26.12M26.74M27.48M27.45M28.43M47.04M58.04M52.00M45.24M55.35M70.89M71.52M71.04M44.43M49.67M43.81M48.37M
Gross Margin------100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.30%100.12%100.01%100.01%100.01%100.01%100.00%100.00%100.00%95.34%163.54%100.21%100.00%100.00%
Operating Expense-------2.41M3.19M20.48M17.65M17.48M21.20M20.58M17.36M17.46M16.05M24.70M37.84M47.59M43.24M35.49M44.99M60.18M62.79M66.57M40.49M47.93M36.98M39.95M
Operating Income3.14M3.92M4.55M3.62M4.65M5.61M6.30M6.18M7.66M9.72M8.93M5.35M5.54M9.38M10.02M11.40M3.73M9.20M10.45M8.76M9.75M10.36M10.71M8.73M4.47M3.94M1.74M6.83M8.41M
Operating Margin---33.86%42.54%45.15%161.71%65.94%27.22%35.51%33.81%20.16%21.22%35.09%36.46%41.65%13.14%19.55%18.00%16.85%21.55%18.71%15.11%12.21%6.00%14.48%3.50%15.58%17.40%
EBITDA3.36M4.17M4.84M3.92M5.03M5.61M6.30M6.18M7.66M10.15M9.37M5.80M6.01M9.83M10.46M8.74M4.13M9.86M15.19M11.48M10.62M11.50M11.94M10.10M5.92M-4.90M1.91M9.51M11.73M
EBITDA Margin---36.66%46.08%45.15%161.71%65.94%27.22%37.11%35.47%21.86%23.03%36.77%38.08%31.94%14.56%20.96%26.17%22.08%23.48%20.79%16.84%14.13%7.95%-18.04%3.84%21.70%24.25%
Net Income2.14M2.65M3.15M2.37M3.19M3.98M4.45M4.21M5.10M6.68M6.36M2.77M3.32M6.76M7.42M6.02M2.10M7.54M9.30M7.28M8.26M8.39M8.84M6.89M3.60M-7.25M4.32M6.50M7.29M
Net Income Margin---22.18%29.20%31.99%114.08%44.92%18.14%24.41%24.08%10.44%12.71%25.27%27.01%22.01%7.39%16.04%16.03%14.01%18.27%15.16%12.47%9.64%4.83%-26.70%8.72%14.83%15.06%
Interest Expense000000000424.00K355.00K125.00K20.00K3.00K3.00K3.00K1.00K0000148.00K131.00K73.00K32.00K20.00K79.00K106.00K77.00K
Interest Expense % of Total Revenue---0.00%0.00%0.00%0.00%0.00%0.00%1.55%1.34%0.47%0.08%0.01%0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.27%0.18%0.10%0.04%0.07%0.16%0.24%0.16%

Balance Sheet

Currency: GBP1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets9.72M11.26M13.77M16.56M17.59M19.59M21.56M23.61M37.35M37.92M35.41M31.05M27.30M29.54M33.37M33.58M32.68M52.26M56.88M53.14M49.57M52.34M56.44M58.92M57.60M46.61M49.19M51.29M57.36M
Total Liabilities2.74M3.04M3.41M5.33M5.27M19.59M7.02M4.84M16.79M14.12M8.71M7.89M5.56M6.02M7.71M6.89M7.52M25.21M25.02M20.82M15.81M17.04M18.42M18.15M16.32M15.63M17.19M16.45M20.55M
Total Equity6.97M8.22M10.36M11.23M12.32M13.96M14.54M18.77M20.56M23.80M26.71M23.16M21.74M23.52M25.66M26.69M25.16M27.05M31.86M32.33M33.76M35.30M38.02M40.77M41.28M30.98M32.00M34.84M36.81M
Cash7.70M9.05M7.43M4.93M4.51M6.46M6.24M8.94M8.56M9.49M7.73M7.48M7.30M7.08M2.04M3.02M6.99M4.43M5.59M7.21M12.64M15.15M14.48M17.59M20.29M16.96M14.57M19.06M25.01M
Total Debt---417.00K384.00K-783.00K303.00K8.44M6.29M2.10M2.27M166.00K94.00K114.00K59.00K-----791.00K773.00K656.00K474.00K278.00K1.13M964.00K453.00K
Net Debt-7.70M-9.05M-7.43M-4.51M-4.13M-783.00K-8.63M-129.00K-3.20M-5.62M-5.21M-7.13M-6.98M-1.93M-2.96M-6.99M-4.43M-5.59M-7.21M-12.64M-14.36M-13.70M-16.93M-19.82M-16.68M-13.45M-18.10M-24.56M

Cash Flow

Currency: GBP1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.40M4.00M3.85M5.24M4.26M5.93M7.06M5.51M7.13M5.90M5.25M5.67M6.77M7.05M6.91M6.66M7.13M6.00M7.15M6.39M9.93M8.32M8.67M8.10M7.59M3.24M7.48M11.44M11.03M
Investing Cash Flow-198.00K-263.00K-546.00K-5.67M-259.00K-348.00K-315.00K32.00K-10.96M713.00K662.00K152.00K99.00K-2.13M-6.77M-314.00K2.46M-2.66M262.00K1.89M2.51M1.60M-2.97M-331.00K-1.20M-2.80M-2.94M-2.48M1.30M
Financing Cash Flow-28.00K-93.00K---33.00K-77.00K476.00K-3.14M4.74M-5.69M-7.67M-6.07M-7.05M-5.15M-5.18M-5.37M-5.62M-5.90M-6.25M-6.67M-7.00M-7.42M-6.37M-4.66M-3.68M-3.77M-4.00M-4.47M-6.38M
Capital Expenditure241.00K348.00K330.00K535.00K705.00K348.00K599.00K218.00K237.00K364.00K362.00K575.00K398.00K736.00K390.00K735.00K248.00K412.00K987.00K1.45M302.00K1.20M1.00M765.00K1.22M1.53M2.20M2.77M387.00K
Free Cash Flow3.16M3.65M3.52M4.71M3.56M5.58M6.46M5.29M6.89M5.53M4.88M5.09M6.38M6.32M6.52M5.92M6.88M5.59M6.16M4.94M9.63M7.12M7.67M7.33M6.37M1.71M5.29M8.67M10.64M
Dividends Paid-----2.15M2.47M3.02M3.19M3.35M3.63M4.99M4.95M5.07M5.19M5.31M5.56M5.90M6.33M6.70M6.98M7.09M7.24M4.15M3.24M3.31M3.48M3.86M5.69M
FCF to OCF92.91%91.29%91.44%89.80%83.46%94.13%91.52%96.04%96.68%93.83%93.10%89.85%94.12%89.57%94.36%88.96%96.52%93.13%86.20%77.29%96.96%85.56%88.46%90.56%83.96%52.84%70.64%75.81%96.49%
Dividend Paid to FCF-----38.49%38.17%57.13%46.29%60.48%74.25%98.08%77.62%80.30%79.65%89.71%80.71%105.60%102.61%135.48%72.50%99.49%94.47%56.54%50.92%193.34%65.86%44.47%53.46%

Earnings

Report DateMar 24, 2014Mar 30, 2016Sep 20, 2016Mar 28, 2017Sep 26, 2017Mar 26, 2018Sep 24, 2018Mar 26, 2019Sep 17, 2019Mar 24, 2020Sep 22, 2020Apr 19, 2021Sep 21, 2021Mar 29, 2022Sep 30, 2022Mar 31, 2023Sep 24, 2024Mar 25, 2025Sep 22, 2025
EPS Estimate0.000.000.000.008.600.000.000.000.000.000.00----0.000.000.00-
EPS Actual0.000.410.040.290.080.180.100.160.110.170.110.110.080.030.02-0.250.060.060.09
Surprise-----99.07%--------------
Timing-------------Pre-marketAfter-hoursAfter-hours--Pre-market

Key Statistics & Ratios

Market Cap134.18M
Enterprise Value119.05M
Trailing P/E17.00
Forward P/E15.72
PEG Ratio0.00
Price / Sales2.65
Price / Book3.98
EPS0.25
Book Value1.15
Revenue (TTM)50.63M
Gross Profit (TTM)23.51M
EBITDA8.43M
Profit Margin16.12%
Operating Margin18.00%
Return on Equity23.03%
Return on Assets11.24%
Shares Outstanding31.57M
Shares Float19.21M
Beta0.18
Dividend Yield5.67%
Dividend Rate0.24
Payout Ratio94.33%

Dividends

20262×
0.09Sep 24, 20260.15Apr 2, 2026
20252×
0.08Sep 25, 20250.10Apr 3, 2025
20242×
0.07Oct 3, 20240.06Mar 28, 2024
20232×
0.06Oct 12, 20230.05Apr 6, 2023
20222×
0.05Oct 6, 20220.05Apr 7, 2022
20212×
0.05Sep 30, 20210.05Apr 1, 2021
20203×
0.06Aug 20, 20200.01May 21, 20200.06Feb 20, 2020
20194×
0.06Nov 7, 20190.06Aug 8, 20190.06May 9, 20190.06Feb 21, 2019
20184×
0.06Nov 8, 20180.06Aug 9, 20180.06May 17, 20180.06Feb 15, 2018
20171×
0.06Nov 2, 2017