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    Financial Services

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    Insurance - Property & Casualty
Personal Group Holdings Plc

Personal Group Holdings Plc

PGH.L
Personal Group Holdings PlcGB flagLondon Stock Exchange
395.10
GBp
-4.90
- -
124.48MMarket Cap
Personal Group Holdings Plc
PGH.L
(London Stock Exchange)

Recent

price

395.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
0.91
0.92
0.91
0.95
1.56
1.88
1.76
1.47
1.8
2.28
2.3
2.39
1.59
1.24
1.4
- -
Revenue per Share
0.23
0.25
0.2
0.07
0.25
0.31
0.24
0.27
0.27
0.28
0.22
0.12
-0.23
0.14
0.21
- -
Basic EPS, GAAP
0.21
0.22
0.2
0.23
0.19
0.2
0.16
0.31
0.23
0.25
0.24
0.2
0.05
0.14
0.28
- -
Free Cash Flow per Basic Share
0.17
0.17
0.18
0.19
0.2
0.21
0.22
0.23
0.23
0.23
0.13
0.1
0.11
0.11
0.12
- -
Dividend per Share
0.81
0.88
0.91
0.85
0.94
1.07
1.07
1.1
1.15
1.19
1.27
1.28
0.95
0.97
1.06
- -
Book Value per Share
0.69
0.76
0.82
0.84
0.52
0.66
0.67
0.72
0.79
0.77
0.86
0.86
0.83
0.82
0.87
- -
Tangible Book Value per Share
30
30
30
30
30
30
30
31
31
31
31
31
31
31
31
- -
Basic Weighted Avg Shares
27
27
27
28
47
57
54
45
55
71
72
75
50
39
44
48
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
1
1
1
1
1
1
1
2
2
2
3
3
Depreciation Expense
7
7
6
2
8
9
7
8
8
9
7
4
-7
4
6
7
Net Income, GAAP
27.95
25.88
27.46
43.75
17.7
8.14
14.06
15.63
17.82
15.72
19.43
17.16
- -
17.7
19.02
13.41
Effective Tax Rate (%)
24.99
27.01
22.11
7.38
16.09
16.38
13.58
18.26
15.16
12.47
9.64
4.83
-14.65
11.18
14.83
15.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
LT Debt
24
26
27
25
28
32
32
34
35
38
41
41
31
32
35
37
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
28.85
29.3
22.4
7.96
28.2
30.73
22.48
24.83
24.24
24.14
17.79
8.97
- -
14.32
20.05
21.12
Return on Capital (%)
29.06
29.46
22.47
7.97
28.2
30.73
22.48
24.83
24.17
24.36
17.97
9.03
-20.87
14.45
20.44
21.37
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.95%
-1.18%
5.66%
Free Cash Flow
19.95%
29.45%
-21.79%
Net Income, GAAP
-47.01%
-89.34%
12.16%
Sales/Revenue/Turnover
0.27%
-5.47%
10.62%
Total Cash Common Dividend
1.48%
8.75%
47.5%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
39
2024
- -
- -
- -
- -
44
2025
- -
- -
- -
- -
48

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.14
2024
- -
- -
- -
- -
0.21
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.11
2024
- -
- -
- -
- -
0.12
2025
- -
- -
- -
- -
- -
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Business
Personal Group Holdings Plc provides workforce benefits, health insurance, and employee engagement services to employers in the United Kingdom. The company offers core products and services including affordable insurance plans through Personal Assurance Plc and Personal Assurance (Guernsey) Limited such as hospital plans, recovery plans following hospitalisation or day surgery, and death benefit plans; the award-winning Hapi employee benefits platform for large corporates and SMEs; Sage Employee Benefits in partnership with Sage Group plc; and pay and reward consultancy services incorporating HR software solutions and salary sacrifice technology, targeting employers across various industries to enhance employee wellbeing, retention, and productivity. Founded in 1984 and headquartered at John Ormond House, 899 Silbury Boulevard, Milton Keynes, Buckinghamshire, the company operates primarily in the UK with recent expansion of its Sage Employee Benefits platform into Ireland. Recent developments include renewed and expanded partnership with Sage Group announced in March 2025 enabling integration across more Sage products and launch in the Republic of Ireland; new distribution agreement with SME-focused EB Now with customer go-lives planned for H2 2025; record new annualised insurance sales of £7.4m in H1 2025 up 6% year-on-year alongside 12% growth in annualised premium income to £38.0m; completion of customer migration to the next-generation Benefits platform; divestiture of non-core Let's Connect business; organisational streamlining with a strengthened senior management team; and acquisition of Quintige Consulting in 2022 supporting Pay & Reward growth including new clients such as De Beers Group and the British Medical Association.