Personal Group Holdings Plc Logo

Personal Group Holdings Plc

PGH.L

(1.5)
Stock Price

163,00 GBp

-17.46% ROA

13.76% ROE

-7.77x PER

Market Cap.

56.404.084,00 GBp

0.9% DER

6.18% Yield

7% NPM

Personal Group Holdings Plc Stock Analysis

Personal Group Holdings Plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Personal Group Holdings Plc Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (1%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 PBV

The stock's PBV ratio (1.67x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

5 ROE

The stock's ROE indicates a negative return (-20.08%) on shareholders' equity, suggesting poor financial performance.

6 ROA

The stock's ROA (-17.46%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-2) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Personal Group Holdings Plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Personal Group Holdings Plc Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Personal Group Holdings Plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Personal Group Holdings Plc Revenue
Year Revenue Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 3.899.000 100%
2004 9.371.000 58.39%
2005 28.138.000 66.7%
2006 27.365.000 -2.82%
2007 26.401.000 -3.65%
2008 26.547.000 0.55%
2009 26.117.000 -1.65%
2010 26.743.000 2.34%
2011 27.478.000 2.67%
2012 27.364.000 -0.42%
2013 28.394.000 3.63%
2014 47.034.000 39.63%
2015 58.035.000 18.96%
2016 51.999.000 -11.61%
2017 45.233.000 -14.96%
2018 55.347.000 18.27%
2019 70.889.000 21.92%
2020 71.524.000 0.89%
2021 74.513.000 4.01%
2022 86.445.000 13.8%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Personal Group Holdings Plc Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Personal Group Holdings Plc General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 3.778.000 100%
2013 4.955.000 23.75%
2014 4.819.000 -2.82%
2015 9.049.000 46.75%
2016 10.129.000 10.66%
2017 9.212.000 -9.95%
2018 9.836.000 6.34%
2019 12.094.000 18.67%
2020 11.987.000 -0.89%
2021 9.779.000 -22.58%
2022 8.973.000 -8.98%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Personal Group Holdings Plc EBITDA
Year EBITDA Growth
1997 3.361.000
1998 4.168.000 19.36%
1999 4.843.000 13.94%
2000 3.920.000 -23.55%
2001 5.032.000 22.1%
2002 5.614.000 10.37%
2003 6.305.000 10.96%
2004 6.179.000 -2.04%
2005 7.660.000 19.33%
2006 10.134.000 24.41%
2007 9.365.000 -8.21%
2008 5.804.000 -61.35%
2009 6.015.000 3.51%
2010 9.833.000 38.83%
2011 10.464.000 6.03%
2012 8.821.000 -18.63%
2013 4.260.000 -107.07%
2014 9.857.000 56.78%
2015 11.594.000 14.98%
2016 9.716.000 -19.33%
2017 10.858.000 10.52%
2018 11.816.000 8.11%
2019 12.077.000 2.16%
2020 -32.452.000 137.21%
2021 -43.927.000 26.12%
2022 -4.902.000 -796.1%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Personal Group Holdings Plc Gross Profit
Year Gross Profit Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 3.899.000 100%
2004 9.371.000 58.39%
2005 28.138.000 66.7%
2006 27.365.000 -2.82%
2007 26.401.000 -3.65%
2008 26.547.000 0.55%
2009 26.117.000 -1.65%
2010 26.743.000 2.34%
2011 27.478.000 2.67%
2012 27.446.000 -0.12%
2013 28.428.000 3.45%
2014 47.038.000 39.56%
2015 58.039.000 18.95%
2016 52.003.000 -11.61%
2017 45.237.000 -14.96%
2018 55.349.000 18.27%
2019 70.889.000 21.92%
2020 71.524.000 0.89%
2021 74.513.000 4.01%
2022 86.445.000 13.8%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Personal Group Holdings Plc Net Profit
Year Net Profit Growth
1997 2.136.000
1998 2.650.000 19.4%
1999 3.150.000 15.87%
2000 2.372.000 -32.8%
2001 3.189.000 25.62%
2002 3.978.000 19.83%
2003 4.448.000 10.57%
2004 4.209.000 -5.68%
2005 5.103.000 17.52%
2006 6.680.000 23.61%
2007 6.358.000 -5.06%
2008 2.771.000 -129.45%
2009 3.319.000 16.51%
2010 6.759.000 50.9%
2011 7.423.000 8.95%
2012 6.024.000 -23.22%
2013 2.098.000 -187.13%
2014 7.544.000 72.19%
2015 9.301.000 18.89%
2016 7.284.000 -27.69%
2017 8.262.000 11.84%
2018 8.391.000 1.54%
2019 8.838.000 5.06%
2020 6.894.000 -28.2%
2021 3.597.000 -91.66%
2022 -7.253.000 149.59%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Personal Group Holdings Plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Personal Group Holdings Plc Free Cashflow
Year Free Cashflow Growth
1997 3.160.000
1998 3.648.000 13.38%
1999 3.524.000 -3.52%
2000 4.708.000 25.15%
2001 3.558.000 -32.32%
2002 5.583.000 36.27%
2003 6.461.000 13.59%
2004 5.291.000 -22.11%
2005 6.894.000 23.25%
2006 5.534.000 -24.58%
2007 4.885.000 -13.29%
2008 5.091.000 4.05%
2009 6.375.000 20.14%
2010 6.319.000 -0.89%
2011 6.521.000 3.1%
2012 5.921.000 -10.13%
2013 6.884.000 13.99%
2014 5.586.000 -23.24%
2015 6.164.000 9.38%
2016 4.943.000 -24.7%
2017 9.626.000 48.65%
2018 7.123.000 -35.14%
2019 2.214.000 -221.73%
2020 7.335.000 69.82%
2021 6.371.000 -15.13%
2022 1.712.000 -272.14%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Personal Group Holdings Plc Operating Cashflow
Year Operating Cashflow Growth
1997 3.401.000
1998 3.996.000 14.89%
1999 3.854.000 -3.68%
2000 5.243.000 26.49%
2001 4.263.000 -22.99%
2002 5.931.000 28.12%
2003 7.060.000 15.99%
2004 5.509.000 -28.15%
2005 7.131.000 22.75%
2006 5.898.000 -20.91%
2007 5.247.000 -12.41%
2008 5.666.000 7.39%
2009 6.773.000 16.34%
2010 7.055.000 4%
2011 6.911.000 -2.08%
2012 6.656.000 -3.83%
2013 7.132.000 6.67%
2014 5.998.000 -18.91%
2015 7.151.000 16.12%
2016 6.395.000 -11.82%
2017 9.928.000 35.59%
2018 8.325.000 -19.26%
2019 2.167.000 -284.17%
2020 8.100.000 73.25%
2021 7.588.000 -6.75%
2022 3.240.000 -134.2%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Personal Group Holdings Plc Capital Expenditure
Year Capital Expenditure Growth
1997 241.000
1998 348.000 30.75%
1999 330.000 -5.45%
2000 535.000 38.32%
2001 705.000 24.11%
2002 348.000 -102.59%
2003 599.000 41.9%
2004 218.000 -174.77%
2005 237.000 8.02%
2006 364.000 34.89%
2007 362.000 -0.55%
2008 575.000 37.04%
2009 398.000 -44.47%
2010 736.000 45.92%
2011 390.000 -88.72%
2012 735.000 46.94%
2013 248.000 -196.37%
2014 412.000 39.81%
2015 987.000 58.26%
2016 1.452.000 32.02%
2017 302.000 -380.79%
2018 1.202.000 74.88%
2019 -47.000 2657.45%
2020 765.000 106.14%
2021 1.217.000 37.14%
2022 1.528.000 20.35%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Personal Group Holdings Plc Equity
Year Equity Growth
1997 6.975.000
1998 8.220.000 15.15%
1999 10.362.000 20.67%
2000 11.231.000 7.74%
2001 12.319.000 8.83%
2002 0 0%
2003 14.539.000 100%
2004 18.767.000 22.53%
2005 20.561.000 8.73%
2006 23.800.000 13.61%
2007 26.709.000 10.89%
2008 23.159.000 -15.33%
2009 21.738.000 -6.54%
2010 23.524.000 7.59%
2011 25.657.000 8.31%
2012 26.692.000 3.88%
2013 25.163.000 -6.08%
2014 27.048.000 6.97%
2015 31.863.000 15.11%
2016 32.325.000 1.43%
2017 33.756.000 4.24%
2018 35.295.000 4.36%
2019 38.015.000 7.16%
2020 40.774.000 6.77%
2021 41.281.000 1.23%
2022 30.978.000 -33.26%
2023 30.843.000 -0.44%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Personal Group Holdings Plc Assets
Year Assets Growth
1997 9.716.000
1998 11.257.000 13.69%
1999 13.774.000 18.27%
2000 16.560.000 16.82%
2001 17.586.000 5.83%
2002 19.595.000 10.25%
2003 21.558.000 9.11%
2004 23.609.000 8.69%
2005 37.351.000 36.79%
2006 37.919.000 1.5%
2007 35.414.000 -7.07%
2008 31.047.000 -14.07%
2009 27.296.000 -13.74%
2010 29.540.000 7.6%
2011 33.370.000 11.48%
2012 33.584.000 0.64%
2013 32.683.000 -2.76%
2014 52.259.000 37.46%
2015 56.884.000 8.13%
2016 53.142.000 -7.04%
2017 49.568.000 -7.21%
2018 52.335.000 5.29%
2019 56.438.000 7.27%
2020 58.922.000 4.22%
2021 57.604.000 -2.29%
2022 46.609.000 -23.59%
2023 42.838.000 -8.8%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Personal Group Holdings Plc Liabilities
Year Liabilities Growth
1997 2.741.000
1998 3.037.000 9.75%
1999 3.412.000 10.99%
2000 5.329.000 35.97%
2001 5.267.000 -1.18%
2002 19.595.000 73.12%
2003 7.019.000 -179.17%
2004 4.842.000 -44.96%
2005 16.790.000 71.16%
2006 14.119.000 -18.92%
2007 8.705.000 -62.19%
2008 7.888.000 -10.36%
2009 5.558.000 -41.92%
2010 6.016.000 7.61%
2011 7.713.000 22%
2012 6.892.000 -11.91%
2013 7.520.000 8.35%
2014 25.211.000 70.17%
2015 25.021.000 -0.76%
2016 20.817.000 -20.2%
2017 15.812.000 -31.65%
2018 17.040.000 7.21%
2019 18.423.000 7.51%
2020 18.148.000 -1.52%
2021 16.323.000 -11.18%
2022 15.631.000 -4.43%
2023 11.995.000 -30.31%

Personal Group Holdings Plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.77
Net Income per Share
-0.23
Price to Earning Ratio
-7.77x
Price To Sales Ratio
0.65x
POCF Ratio
17.39
PFCF Ratio
32.95
Price to Book Ratio
1.82
EV to Sales
0.46
EV Over EBITDA
-8.1
EV to Operating CashFlow
12.26
EV to FreeCashFlow
23.2
Earnings Yield
-0.13
FreeCashFlow Yield
0.03
Market Cap
0,06 Bil.
Enterprise Value
0,04 Bil.
Graham Number
2.28
Graham NetNet
0.05

Income Statement Metrics

Net Income per Share
-0.23
Income Quality
-0.45
ROE
-0.2
Return On Assets
0.09
Return On Capital Employed
0
Net Income per EBT
0.82
EBT Per Ebit
68.27
Ebit per Revenue
0
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.09
Net Profit Margin
0.07

Dividends

Dividend Yield
0.06
Dividend Yield %
6.18
Payout Ratio
-0.46
Dividend Per Share
0.11

Operating Metrics

Operating Cashflow per Share
0.1
Free CashFlow per Share
0.05
Capex to Operating CashFlow
-0.47
Capex to Revenue
-0.02
Capex to Depreciation
-0.83
Return on Invested Capital
-0.23
Return on Tangible Assets
-0.17
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.05

Balance Sheet

Cash per Share
0,54
Book Value per Share
0,99
Tangible Book Value per Share
0.83
Shareholders Equity per Share
0.99
Interest Debt per Share
0.01
Debt to Equity
0.01
Debt to Assets
0.01
Net Debt to EBITDA
3.4
Current Ratio
1.54
Tangible Asset Value
0,03 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0.01
Working Capital
0,01 Bil.
Intangibles to Total Assets
0.11
Average Receivables
0,00 Bil.
Average Payables
0,01 Bil.
Average Inventory
812000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Personal Group Holdings Plc Dividends
Year Dividends Growth
2001 5
2002 7 42.86%
2003 8 12.5%
2004 5 -60%
2005 11 50%
2006 11 9.09%
2007 12 8.33%
2008 17 25%
2009 17 0%
2010 17 5.88%
2011 17 0%
2012 18 0%
2013 19 5.56%
2014 20 5.26%
2015 21 5%
2016 22 9.09%
2017 23 0%
2018 23 4.35%
2019 23 0%
2020 13 -76.92%
2021 10 -30%
2022 11 0%
2023 11 9.09%

Personal Group Holdings Plc Profile

About Personal Group Holdings Plc

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.

CEO
Ms. Paula Jane Brown
Employee
269
Address
John Ormond House
Milton Keynes, MK9 3XL

Personal Group Holdings Plc Executives & BODs

Personal Group Holdings Plc Executives & BODs
# Name Age
1 Mr. Andrew George Lothian
Non-Executive Director
70
2 Ms. Julie Stayte
Chief People Officer
70
3 Mr. Damian Kane
Finance Director & Company Secretary
70
4 Mr. Richard Thompson
Chief Information Officer & MD of PG Let's Connect
70
5 Ms. Paula Jane Brown
Group Chief Executive Officer & Executive Director
70
6 Hon. Dame Kelly Holmes M.B.E.
Chief Wellbeing Ambassador
70
7 Ms. Sarah Anne Mace
Chief Financial Officer, Group Financial Controller & Executive Director
70
8 Mr. Philip Dennis
Investor Relations Professional
70
9 Ms. Karen Thornley
Chief Commercial Officer
70

Personal Group Holdings Plc Competitors

Nichols plc Logo
Nichols plc

NICL.L

(1.2)
Zytronic plc Logo
Zytronic plc

ZYT.L

(2.2)
James Latham plc Logo
James Latham plc

LTHM.L

(2.5)
FW Thorpe Plc Logo
FW Thorpe Plc

TFW.L

(2.8)
Portmeirion Group PLC Logo
Portmeirion Group PLC

PMP.L

(2.0)