Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Personal Group Holdings Plc (PGH.L)
GBp403.51
-1.49 (-0.37%)
GB LSE Financial Services Insurance - Property & Casualty
Address
John Ormond House MK9 3XL
Milton Keynes, GB
Milton Keynes, GB
CEO
Paula Jane Constant
Website
personalgroup.com
IPO
2000-11-27
ISIN GB0002760279
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) products, and technology solutions that utilize salary sacrifice schemes. The company operates through several key divisions: Affordable Insurance, Other Owned Benefits, Benefits and Platform, and Pay and Reward. Its insurance portfolio includes coverage for hospital stays, recovery periods, and death benefits. Beyond insurance, Personal Group offers expert consultancy and software for pay and reward management, alongside a suite of cloud-based SaaS applications. Notably, it manages HAPI, a proprietary digital platform that grants employees access to a wide array of financial, physical, mental, and social benefits. Additionally, its Let's Connect initiative enables employers to facilitate employee acquisition of consumer technology and other goods from manufacturers through advantageous salary sacrifice arrangements.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary
Loading…
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
GBp403.51
-1.49 (-0.37%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
82.0K
Beta
0.18
Float Shares
19.45M
Free Float %
61.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.60% | +5.62% | +18.14% | +32.96% | +24.17% | +32.11% | +40.65% | +93.22% | +59.04% | -21.24% | +398.19% |
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From
To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
Loading histogram data…
Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
403.51
DCF (Unlevered)
322.14
-20.2%
DCF (Levered)
745.04
+84.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
7.56
Safe zone
Piotroski F-Score
5 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Property & Casualty: +14.1%+10.4% Q4'25: +46.2% (vs Q4'23)
-
EPS growth Insurance - Property & Casualty: +27.5%+10.0% Q4'25: +44.3% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+22.5% Q4'25: +24.9% (vs Q4'23)
-
EBIT margin Insurance - Property & Casualty: +16.3%+17.6% ★ Q4'25: +18.6% (vs Q4'23)
-
ROIC Insurance - Property & Casualty: +7.9%+62.3% ★ Q4'25: +146.6% (vs Q4'23)
-
Share dilution Insurance - Property & Casualty: +0.4%+1.9% Q4'25: +2.8% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×0.00× ★ Q4'25: 0.00× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2002 actual |
Dec 2003 actual |
Dec 2004 actual |
Dec 2005 actual |
Dec 2006 actual |
Dec 2007 actual |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
—
est: 12.48M (-100.0%)
|
3.90M
est: 13.19M (-70.5%)
|
9.37M
est: 13.65M (-31.4%)
|
28.14M
est: 14.81M (+90.0%)
|
27.37M
est: 16.54M (+65.4%)
|
26.40M
est: 20.40M (+29.4%)
|
26.12M
est: 23.19M (+12.6%)
|
26.74M
est: 23.09M (+15.8%)
|
27.48M
est: 28.42M (-3.3%)
|
28.39M
est: 28.72M (-1.2%)
|
47.03M
est: 50.85M (-7.5%)
|
58.04M
est: 71.80M (-19.2%)
|
52.00M
est: 54.40M (-4.4%)
|
45.23M
est: 43.90M (+3.0%)
|
55.35M
est: 59.10M (-6.4%)
|
70.89M
est: 66.90M (+6.0%)
|
71.52M
est: 70.00M (+2.2%)
|
74.51M
est: 75.00M (-0.6%)
|
27.17M
est: 85.00M (-68.0%)
|
31.13M
est: 52.28M (-40.5%)
|
43.81M
est: 43.80M (+0.0%)
|
48.37M
est: 48.41M (-0.1%)
|
53.82M
53.25M – 54.40M
+11.2% YoY
|
60.61M
60.52M – 60.70M
+12.6% YoY
|
| EBITDA |
5.61M
est: 1.21M (+364.5%)
|
6.31M
est: 1.25M (+403.5%)
|
6.18M
est: 1.30M (+376.9%)
|
7.66M
est: 7.79M (-1.7%)
|
10.16M
est: 10.17M (-0.1%)
|
9.37M
est: 11.83M (-20.8%)
|
6.02M
est: 13.25M (-54.6%)
|
9.83M
est: 5.94M (+65.4%)
|
10.46M
est: 12.10M (-13.5%)
|
4.13M
est: 2.73M (+51.6%)
|
9.86M
est: 4.83M (+104.2%)
|
15.19M
est: 6.95M (+118.5%)
|
11.48M
est: 5.27M (+118.0%)
|
10.62M
est: 4.25M (+149.9%)
|
11.50M
est: 5.72M (+101.0%)
|
11.94M
est: 6.48M (+84.3%)
|
10.10M
est: 14.64M (-31.0%)
|
5.93M
est: 18.17M (-67.4%)
|
-4.90M
est: 8.23M (-159.6%)
|
7.06M
est: 6.12M (+15.3%)
|
9.51M
est: 5.13M (+85.4%)
|
11.73M
est: 5.67M (+107.0%)
|
6.30M
6.23M – 6.37M
+11.2% YoY
|
7.10M
7.08M – 7.11M
+12.6% YoY
|
| EBIT |
—
est: 636.9K (-100.0%)
|
6.31M
est: 659.9K (+855.5%)
|
6.18M
est: 682.7K (+805.1%)
|
7.70M
est: 5.34M (+44.2%)
|
9.69M
est: 5.93M (+63.3%)
|
8.93M
est: 7.05M (+26.5%)
|
5.54M
est: 7.90M (-29.9%)
|
9.38M
est: 5.52M (+70.1%)
|
10.02M
est: 11.54M (-13.2%)
|
3.60M
est: 1.44M (+150.9%)
|
9.01M
est: 2.54M (+254.1%)
|
14.04M
est: 13.18M (+6.5%)
|
10.53M
est: 2.78M (+279.3%)
|
9.51M
est: 2.24M (+324.6%)
|
10.05M
est: 3.01M (+233.2%)
|
10.48M
est: 3.41M (+207.0%)
|
8.63M
est: 13.16M (-34.4%)
|
4.37M
est: 3.83M (+14.3%)
|
-6.74M
est: 4.34M (-255.4%)
|
5.15M
est: 3.24M (+59.0%)
|
6.93M
est: 2.72M (+155.3%)
|
8.49M
est: 3.00M (+182.9%)
|
3.34M
3.30M – 3.37M
+11.2% YoY
|
3.76M
3.75M – 3.76M
+12.6% YoY
|
| Net Income |
3.98M
est: 3.84M (+3.6%)
|
4.45M
est: 4.64M (-4.1%)
|
4.21M
est: 4.60M (-8.6%)
|
5.10M
est: 4.57M (+11.7%)
|
6.68M
est: 5.70M (+17.2%)
|
6.36M
est: 6.95M (-8.6%)
|
3.32M
est: 7.79M (-57.4%)
|
6.76M
est: 3.31M (+104.5%)
|
7.42M
est: 8.32M (-10.8%)
|
2.10M
est: 6.94M (-69.8%)
|
7.54M
est: 8.62M (-12.4%)
|
9.30M
est: 8.81M (+5.5%)
|
7.28M
est: 7.23M (+0.8%)
|
8.26M
est: 7.87M (+4.9%)
|
8.39M
est: 8.91M (-5.8%)
|
8.84M
est: 7.39M (+19.6%)
|
6.89M
est: 10.95M (-37.0%)
|
3.60M
est: 3.86M (-6.7%)
|
-7.25M
est: 3.50M (-307.3%)
|
4.32M
est: 4.79M (-9.8%)
|
6.50M
est: 4.82M (+34.8%)
|
7.29M
est: 6.65M (+9.6%)
|
7.99M
7.96M – 8.02M
+20.1% YoY
|
9.60M
9.56M – 9.64M
+20.2% YoY
|
| SGA |
—
est: 3.31M (-100.0%)
|
—
est: 3.43M (-100.0%)
|
—
est: 3.55M (-100.0%)
|
—
est: 2.33M (-100.0%)
|
—
est: 2.87M (-100.0%)
|
—
est: 3.81M (-100.0%)
|
—
est: 4.27M (-100.0%)
|
—
est: 3.30M (-100.0%)
|
3.12M
est: 4.22M (-26.2%)
|
4.96M
est: 7.46M (-33.6%)
|
5.85M
est: 13.21M (-55.7%)
|
8.50M
est: 19.03M (-55.3%)
|
10.13M
est: 14.42M (-29.7%)
|
9.21M
est: 11.63M (-20.8%)
|
9.84M
est: 15.66M (-37.2%)
|
12.09M
est: 17.73M (-31.8%)
|
9.69M
est: 147.5K (+6,473.6%)
|
11.17M
est: 19.88M (-43.8%)
|
8.97M
est: 22.53M (-60.2%)
|
12.59M
est: 12.44M (+1.2%)
|
13.37M
est: 10.42M (+28.3%)
|
—
est: 11.52M (-100.0%)
|
12.80M
12.67M – 12.94M
+11.2% YoY
|
14.42M
14.40M – 14.44M
+12.6% YoY
|
| EPS |
0.13
est: 0.12 (+9.8%)
|
0.15
est: 0.15 (+3.3%)
|
0.14
est: 0.14 (-2.7%)
|
0.17
est: 0.17 (-1.0%)
|
0.22
est: 0.21 (+5.7%)
|
0.21
est: 0.21 (+0.3%)
|
0.11
est: 0.21 (-48.4%)
|
0.23
est: 0.23 (+0.8%)
|
0.25
est: 0.24 (+2.4%)
|
0.07
est: 0.22 (-67.8%)
|
0.25
est: 0.27 (-7.4%)
|
0.31
est: 0.27 (+14.0%)
|
0.24
est: 0.22 (+7.6%)
|
0.27
est: 0.24 (+11.1%)
|
0.27
est: 0.28 (-1.8%)
|
0.28
est: 0.23 (+22.8%)
|
0.22
est: 0.21 (+2.8%)
|
0.12
est: 0.12 (+0.8%)
|
-0.23
est: 0.11 (-313.0%)
|
0.14
est: 0.15 (-3.6%)
|
0.21
est: 0.15 (+43.8%)
|
0.23
est: 0.20 (+14.1%)
|
0.24
0.24 – 0.24
+20.1% YoY
|
0.29
0.29 – 0.29
+20.2% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-01 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
17.55M
OE per share TTM
0.54
Owner's Yield
13.59%
Maintenance CapEx ratio
13.93%
Maint CapEx / Avg PPE
9.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
33.6K
Shares Outstanding
31.51M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Paula Constant | Group Chief Executive Officer & Executive Director | 604.0K | female |
| Sarah Anne Mace | Chief Financial Officer, Group Financial Controller & Executive Director | 431.0K | female |
| Andrew Lothian | Non-Executive Director | 47.0K | male |
| Jenny Hinde | Chief People Officer | — | female |
| Joshua Roberts-Jones | Finance Director & Company Secretary | — | male |
| Karen Thornley | Chief Executive Officer of Innecto Reward Consulting | — | female |
| Hywel Philips | Chief Operating Officer | — | male |
| Philip Dennis | Investor Relations Professional | — | male |
| Arianne Riddell | Chief Client Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PGH.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
