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Phoenix Group Holdings plc (PNXGF)

USD11.60 +0.00 (+0.00%)
GB OTC Financial Services Insurance - Life
Address 20 Old Bailey EC4M 7AN
London, GB
CEO Andrew David Briggs
Website thephoenixgroup.com
IPO 2013-03-15
ISIN GB00BGXQNP29

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Also trades on London Stock Exchange · PHNX.L (GBp) London Stock Exchange · SDLF.L (GBp) Other OTC · PNXGF (USD)
Description

Phoenix Group Holdings plc is a prominent European financial institution dedicated to long-term savings and retirement provisions. The company structures its operations across four key divisions: UK Heritage, UK Open, Europe, and Management Services. It offers a comprehensive suite of pension and savings products, catering to individuals at every stage of their financial planning journey. This includes the administration of existing "heritage" life and pension policies, alongside the provision and management of new long-term savings and retirement plans. Its diverse product portfolio encompasses with-profits and unit-linked investment funds, annuities, workplace pension schemes, and personalized savings and retirement solutions. Phoenix serves a wide array of clients, including individuals, corporate entities, and employers. Furthermore, the group has established strategic alliances with abrdn plc, TCS, and HSBC. Founded in 1782, Phoenix Group Holdings plc maintains its headquarters in London, United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
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Price Chart
Averages
Trend
Price
Levels
Draw
USD11.60 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
288
Beta
0.91
Float Shares
857.00M
Free Float %
85.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +3.00% +1.28% +15.20% +5.20% +13.80% +52.74% +0.68% +7.62% +28.39%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (5 ratings, all time) Hold
Price Targets & DCF
Current price
11.60
DCF (Unlevered) 11.02 -5.0%
DCF (Levered) 5.04 -56.5%

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.

Quality scores
Altman Z-Score
0.15
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Life: +10.6%
    +26.4% ★ Q4'25: -21.7% (vs Q4'23)
  • ✗
    EPS growth Insurance - Life: +13.4%
    +56.5% ★ Q4'25: -187.9% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Insurance - Life: +31.7%
    +120.5% ★ Q4'25: +38.9% (vs Q4'23)
  • ✗
    EBIT margin Insurance - Life: +12.4%
    +1.6% Q4'25: +1.5% (vs Q4'23)
  • ✓
    ROIC Insurance - Life: +1.0%
    — Q4'25: -12.5% (vs Q4'23)
  • ✗
    Share dilution Insurance - Life: +0.4%
    +34.2% Q4'25: +34.0% (vs Q4'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    12.10× ★ Q4'25: 6.07× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.91) × ERP
WACC = 73% × Ke + 27% × Kd (7.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 11.02 Current price: 11.60
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric 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
2 Rev. Ana.
1 EPS Ana. 		Dec 2027
2 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana. 		Dec 2029
1 Rev. Ana.
1 EPS Ana. 		Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
525.00M
est: 2.19B (-76.0%)
7.25B
est: 6.39B (+13.4%)
5.92B
est: 6.68B (-11.4%)
-7.29B
est: 6.41B (-213.7%)
28.73B
est: 7.20B (+298.9%)
21.81B
est: 4.30B (+406.8%)
23.22B
est: 4.97B (+367.1%)
-8.76B
est: 7.51B (-216.7%)
15.45B
est: 6.30B (+145.3%)
14.43B
est: 5.81B (+148.5%)
18.24B
est: 5.75B (+217.3%)
6.62B
6.18B – 7.07B
+15.2% YoY
7.36B
6.72B – 8.00B
+11.1% YoY
8.08B
7.44B – 8.71B
+9.7% YoY
8.77B
8.08B – 9.46B
+8.6% YoY
9.32B
8.59B – 10.05B
+6.2% YoY
EBITDA
203.00M
est: 143.52M (+41.4%)
8.00M
est: 419.89M (-98.1%)
70.00M
est: 438.91M (-84.1%)
508.00M
est: 421.01M (+20.7%)
-47.00M
est: 473.05M (-109.9%)
949.00M
est: 282.57M (+235.8%)
-408.00M
est: 326.50M (-225.0%)
-2.93B
est: 492.96M (-693.8%)
441.00M
est: 413.62M (+6.6%)
-870.00M
est: 350.73M (-348.1%)
312.95M
est: 347.26M (-9.9%)
400.09M
373.27M – 426.90M
+15.2% YoY
444.68M
405.90M – 483.46M
+11.1% YoY
487.89M
449.63M – 526.16M
+9.7% YoY
529.72M
488.17M – 571.26M
+8.6% YoY
562.74M
518.60M – 606.87M
+6.2% YoY
EBIT
148.00M
est: 141.80M (+4.4%)
-6.00M
est: 414.86M (-101.4%)
5.46B
est: 433.65M (+1,158.2%)
612.00M
est: 415.97M (+47.1%)
148.00M
est: 467.38M (-68.3%)
1.18B
est: 279.18M (+322.0%)
-446.00M
est: 322.59M (-238.3%)
-3.28B
est: 487.05M (-773.9%)
94.00M
est: 408.66M (-77.0%)
-1.16B
est: 344.44M (-437.9%)
285.95M
est: 341.03M (-16.2%)
392.91M
366.58M – 419.25M
+15.2% YoY
436.71M
398.62M – 474.79M
+11.1% YoY
479.14M
441.56M – 516.72M
+9.7% YoY
520.22M
479.42M – 561.02M
+8.6% YoY
552.65M
509.30M – 595.99M
+6.2% YoY
Net Income
201.00M
est: 369.96M (-45.7%)
-101.00M
est: 136.20M (-174.2%)
-27.00M
est: 143.12M (-118.9%)
379.00M
est: 635.11M (-40.3%)
85.00M
est: 561.63M (-84.9%)
798.00M
est: 844.52M (-5.5%)
-837.00M
est: 855.49M (-197.8%)
-2.72B
est: 788.23M (-445.6%)
-116.00M
est: 470.51M (-124.7%)
-1.09B
est: 562.86M (-293.7%)
-442.93M
est: 649.91M (-168.2%)
832.38M
747.51M – 917.24M
+28.1% YoY
939.65M
843.85M – 1.04B
+12.9% YoY
1.05B
941.29M – 1.16B
+11.5% YoY
1.09B
981.14M – 1.20B
+4.2% YoY
999.79M
897.85M – 1.10B
-8.5% YoY
SGA
177.00M
est: 51.32M (+244.9%)
197.00M
est: 150.15M (+31.2%)
287.00M
est: 156.95M (+82.9%)
466.00M
est: 150.55M (+209.5%)
496.00M
est: 169.16M (+193.2%)
636.00M
est: 101.05M (+529.4%)
797.00M
est: 116.76M (+582.6%)
949.00M
est: 176.28M (+438.3%)
1.30B
est: 147.91M (+780.9%)
1.13B
est: 102.50M (+997.6%)
—
est: 101.48M (-100.0%)
116.92M
109.09M – 124.76M
+15.2% YoY
129.95M
118.62M – 141.29M
+11.1% YoY
142.58M
131.40M – 153.76M
+9.7% YoY
154.80M
142.66M – 166.94M
+8.6% YoY
164.45M
151.56M – 177.35M
+6.2% YoY
EPS
0.68
est: 0.37 (+84.7%)
-0.31
est: 0.14 (-328.7%)
-0.06
est: 0.14 (-143.5%)
0.69
est: 0.63 (+9.2%)
0.12
est: 0.56 (-78.5%)
0.92
est: 0.84 (+9.5%)
-0.86
est: 0.85 (-201.0%)
-2.75
est: 0.78 (-450.6%)
0.07
est: 0.47 (-85.8%)
-1.11
est: 0.42 (-365.9%)
-0.47
est: 0.48 (-197.5%)
0.62
0.55 – 0.68
+28.1% YoY
0.70
0.63 – 0.77
+12.9% YoY
0.78
0.70 – 0.86
+11.5% YoY
0.81
0.73 – 0.89
+4.2% YoY
0.74
0.67 – 0.82
-8.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-14 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
8.54B
OE per share TTM
7.56
Owner's Yield
61.36%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
0.7%

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 Held by 22 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Vanguard Emerging Markets Ex-China ETF VEXC 0.01% 14.3K 0.07%
2 Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L 0.00% 266.9K 0.17%
3 Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L 0.00% 266.9K 0.17%
4 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 128.3K 0.26%
5 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.00% 56.9K 0.48%
6 Vanguard FTSE Emerging Markets ETF VWO 0.00% 6.33M 0.06%
7 Vanguard ESG International Stock ETF VSGX 0.00% 104.4K 0.10%
8 Vanguard All-World ex-US Shares Index ETF VEU.AX 0.00% 48.8K 0.04%
9 Vanguard FTSE All-World ex-US ETF VEU 0.00% 1.05M 0.04%
10 Vanguard Total International Stock ETF VXUS 0.00% 6.90M 0.05%

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
41.0K
Shares Outstanding
1.00B

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

NameTitleCompensationGender
Andrew David Briggs Group Chief Executive Officer & Director 3M male
Nicolaos Andreas Nicandrou Group Chief Financial Officer & Executive Director 3M male
Diane Berry Chief Data Scientist — female
Jacqueline Dorothy Mary Noakes Group Chief Operating Officer — female
James Wilde Chief Sustainability Officer — —
Michael John Eakins Group Chief Investment Officer — male
Nicki Lundy Head of Media Relations — —
Quentin Zentner Group General Counsel — male
Sara Thompson Group Chief People Officer — female
Shellie Wells Head of Corporate Communications — —
Claire Hawkins Corporate Affairs & Investor Relations Director — 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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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