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Home CompaniesPersonal Group Holdings PLC

Personal Group Holdings PLC

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
425.0 GBX -2.50 ( 0.58%)
Last update at 2026-10-27T16:35:00Z
VOLUME
16368
Market Cap
108.42M
P/E
15.80

Momentum Score

…

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, and Other 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 also provides Hapi, a technology platform that allows connectivity, engagement, health and wellbeing; and Sage Employee Benefits, an engagement product designed for the SME market. Personal Group Holdings Plc was incorporated in 1996 and is headquartered in Milton Keynes, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
425.00
Low
430.00
High
52 Week Price Range
211.15
Low
377.45
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
427.50
Dividend Yield
5.13%
Revenue TTM
46.08M
Revenue Per Share
1.48
Gross Profit TTM
20.84M
Debt / Equity
0.03
ROE
19.91%
Net Debt
-25.01M
ROCE
22.80%
Diluted EPS TTM
0.22

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 8.41M 6.83M 5.33M -6.76M 4.34M
Net income 7.29M 6.50M 4.32M -7.25M 3.60M
Selling general administrative - 13.37M 11.27M 8.97M 9.78M
Selling and marketing expenses - - 1.32M - -
Gross profit 48.37M 43.81M 49.67M 86.44M 74.51M
Reconciled depreciation - 2.57M 1.91M 1.84M 1.55M
Ebit 8.49M 6.93M 5.41M -6.74M -45.48M
Ebitda 11.73M 9.51M 1.91M -4.90M -43.93M
Depreciation and amortization 3.24M 2.57M 1.91M 1.84M 1.55M
Operating income 8.41M 6.83M 1.74M -6.74M -45.48M
Other operating expenses 39.95M 36.98M 44.05M 93.20M 70.17M
Interest expense 0.08M 0.11M 0.08M 0.02M 0.03M
Tax provision - 1.30M 1.01M 0.49M 0.74M
Interest income - 1.20M 0.81M 0.14M 0.02M
Net interest income - -0.11M -0.08M -0.02M -0.03M
Income tax expense 1.13M 1.30M 1.01M 0.49M 0.74M
Total revenue 48.37M 43.81M 49.56M 86.44M 74.51M
Total operating expenses 39.95M 36.98M 34.91M -93.19M -119.99M
Cost of revenue - - -0.10M - -
Total other income expense net - -0.11M 5.33M -0.02M 49.82M
Net income from continuing ops - 5.53M 4.32M -7.25M 3.60M
Net income applicable to common shares - - - -7.25M 3.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 57.36M 51.29M 49.19M 46.61M 57.60M
Intangible assets 5.20M 4.85M 3.65M 2.38M 1.64M
Other current assets - 39.27M 21.54M 0.11M 14.45M
Total liab 20.55M 16.45M 17.19M 15.63M 16.32M
Total stockholder equity 36.81M 34.84M 32.00M 30.98M 41.28M
Other current liab - 12.81M 12.62M -0.15M -12.83M
Common stock 1.56M 1.56M 1.56M 1.56M 1.56M
Capital stock - 1.56M 1.56M 1.56M 1.56M
Retained earnings 33.42M 31.65M 28.80M 27.95M 38.44M
Other liab - - - 0.68M 0.88M
Good will 2.68M 2.68M 2.68M 2.68M 12.70M
Other assets - 12.15M 11.72M 16.19M 14.45M
Cash 25.01M 19.06M 14.57M 16.96M 20.29M
Total current liabilities - 14.05M 15.10M 11.48M 12.83M
Current deferred revenue - - 1.36M - -
Net debt -25.01M -18.10M -13.45M -16.68M -19.82M
Short term debt - 1.24M 1.12M 0.15M 0.07M
Short long term debt total - 0.96M 1.13M 0.28M 0.47M
Other stockholder equity 1.10M 1.13M 1.10M 1.47M 1.28M
Property plant equipment - - - 4.64M 5.03M
Total current assets 25.01M 68.32M 55.33M 17.68M 21.19M
Long term investments - 1.59M 1.47M 3.03M 2.60M
Net tangible assets - - - 25.91M 26.95M
Short term investments - - 5.96M - -
Net receivables - 9.99M 16.02M 15.86M 14.35M
Inventory - 0.00M 0.27M 0.73M 0.90M
Accounts payable - - 0.73M 11.48M 12.76M
Accumulated other comprehensive income 0.73M 0.49M 0.54M - -
Non currrent assets other 14.78M -30.65M -22.08M -12.74M -21.96M
Non current assets total 32.35M -17.04M -6.14M 12.74M 21.96M
Capital lease obligations - 0.96M 1.13M 0.28M 0.40M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -2.48M -2.13M -2.80M -0.01M
Change to liabilities - - - -1.01M -1.82M
Total cashflows from investing activities 1.30M -2.48M -2.94M -2.80M -1.20M
Net borrowings - - - -0.43M -0.43M
Total cash from financing activities -6.38M -4.47M -4.00M -3.77M -3.68M
Net income 7.29M 6.50M 4.32M -7.25M 3.60M
Change in cash 6.68M 4.49M -2.39M -3.33M 2.70M
Begin period cash flow 18.34M 14.57M 16.96M 20.29M 17.59M
End period cash flow 25.01M 19.06M 14.57M 16.96M 20.29M
Total cash from operating activities 11.03M 11.44M 7.48M 3.24M 7.59M
Issuance of capital stock - 0.09M 0.03M 0.00M -
Depreciation 3.24M 2.57M 1.91M 1.84M 1.55M
Other cashflows from investing activities - -1.39M -2.04M 0.14M 0.02M
Dividends paid 5.69M 3.86M 3.48M 3.31M 3.24M
Change to inventory - 0.05M 0.45M 0.17M -0.04M
Change to account receivables - 5.11M -2.57M -1.64M 4.28M
Sale purchase of stock -0.03M -0.08M -0.02M -0.05M -0.04M
Other cashflows from financing activities -0.68M -0.61M -0.53M -0.41M -0.41M
Change to netincome - - - 11.13M 0.01M
Capital expenditures 0.39M 2.77M 2.20M 1.53M 1.22M
Change in working capital 0.75M 4.47M 0.86M -2.48M 2.43M
Stock based compensation - 0.20M 0.17M 0.29M 0.17M
Other non cash items -0.25M -2.30M 0.23M 10.84M 0.01M
Free cash flow 10.64M 8.67M 5.29M 1.71M 6.37M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
PGH
Personal Group Holdings PLC		 -2.50
0.58%		 425.00 15.80 14.47 2.35 2.97 1.88
ADM
Admiral Group PLC		 -58.00
1.50%		 3800.00 13.26 13.95 1.92 6.66 2.22
HSX
Hiscox Ltd		 -13.00
0.71%		 1823.00 12.27 11.75 1.26 1.69 1.70

Profile*

Personal Group Holdings PLC

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, and Other 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 also provides Hapi, a technology platform that allows connectivity, engagement, health and wellbeing; and Sage Employee Benefits, an engagement product designed for the SME market. Personal Group Holdings Plc was incorporated in 1996 and is headquartered in Milton Keynes, the United Kingdom.

John Ormond House, Milton Keynes, United Kingdom, MK9 3XL

44 19 0860 5000

https://www.personalgroup.com

253

Name Title Year Born
Ms. Deborah Karen Rees-Frost CEO & Director 1966
Ms. Sarah Anne Mace CFO, Group Financial Controller & Exec. Director 1967
Mr. Andrew Lothian Non-Exec. Director 1972
Mr. Philip Dennis Investor Relations Professional NA
Ms. Julie Stayte Chief People Officer NA
Mr. Richard Thompson Chief Customer & Product Officer and MD of PG Let's Connect NA
Ms. Karen Thornley Chief Commercial Officer NA
Dame Kelly Holmes Chief Wellbeing Ambassador NA
Mr. Damian Kane Fin. Director & Company Sec. NA
Ms. Paula Jane Constant Group CEO & Executive Director 1978

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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