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Personal Group Plc(LSE) PGH

Market Cap£123.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2000)+1,744%
5 Year+36%
1 Year+19%
1 Month+2%
£3.90
+0.00%
+0.00Today
Personal Group Plc last closing stock price
MetricPriceDate
Last closeGBX 392.002026-08-03
Personal Group Plc stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.51%GBX 398.002026-07-27
1 month+1.82%GBX 385.002026-07-03
3 month+8.89%GBX 360.002026-05-05
Year to date+25.24%GBX 313.002025-12-31
1 year+18.79%GBX 330.002025-08-01
3 year+113.04%GBX 184.002023-08-04
5 year+36.11%GBX 288.002021-08-04
Since inception+1,744.2%GBX 0.212000-11-27

Personal Group Plc Financials at a Glance

Market Cap

£123.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£92.11M

Net Income (TTM)

£12.62M

EPS (TTM)

£0.22

P/E Ratio

16.82

Dividend

£0.23

Beta (Volatility)

0.07 (Low)

Price

£3.90

Volume

22,083

Open

£3.90

Previous Close

£3.90

Daily Range

£3.90 - £3.95

52-Week Range

£2.80 - £4.20

Estimated Earnings Date

Sep 29, 2026

PGH News

No articles available.

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About Personal Group Plc

Personal Group Holdings Plc, founded in 1984 and headquartered in Milton Keynes, UK, specializes in providing a diverse range of services, including short-term accident and health insurance, software-as-a-service (SaaS) products, and technology solutions. The company operates through key divisions, offering comprehensive employee benefits and consultancy services.

Products and Services
  • Short-term accident and health insurance coverage
  • Cloud-based SaaS applications for pay and reward management
  • Proprietary digital platform HAPI for employee benefits access
Growth Outlook
  • Revenue increased to £25.03 million in Q4 2025, showing strong demand
  • Trailing twelve months (TTM) net income reached £4.29 million, indicating profitability
  • Dividend yield of 5.94% reflects commitment to shareholder returns
Financial Highlights
  • Operating income margin of 18.48% in Q4 2025 demonstrates operational efficiency
  • Current ratio of 72.08 indicates strong liquidity position
  • Net profit margin of 17.15% showcases effective cost management
Personal Group Holdings Plc has established itself as a key player in the insurance and employee benefits sector. The company's diverse product offerings and innovative technology solutions position it well for future growth. Recent financial performance highlights a robust revenue stream and strong profitability, making it an attractive option for potential investors. The commitment to shareholder returns, as evidenced by a solid dividend yield, further enhances its appeal. With a strong liquidity position and operational efficiency, Personal Group Holdings Plc is poised for continued success in the evolving financial services landscape.
AI Generated • Aug 3, 2026

Industry

Insurance

Sector

Financials

Employees

259

CEO

Paula Constant

Website

www.personalgroup.com

Headquarters

Milton Keynes, BU MK9 3XL, GB

PGH Financials

Key Financial Metrics (TTM)

Gross Margin

100.00%

Operating Margin

17.61%

Net Income Margin

15.06%

Return on Equity

20.34%

Return on Capital

22.58%

Return on Assets

12.70%

Earnings Yield

5.95%

Dividend Yield

5.94%

Payout Ratio

78.08%

Stock Overview

Market Cap

£123.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

31.51M

Volume

22.08K

Avg. Volume

58.34K

Financials (TTM)

Gross Profit

£92.18M

Operating Income

£15.55M

EBITDA

£18.39M

Operating Cash Flow

£23.67M

Capital Expenditure

-£490.00K

Free Cash Flow

£23.18M

Cash & ST Invst.

£25.01M

Total Debt

£453.00K

Personal Group Plc Performance Analysis

Personal Group Plc annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31GBP 27,167,000-63.5%
20232023-12-31GBP 31,129,00014.6%
20242024-12-31GBP 43,703,00040.4%
20252025-12-31GBP 48,295,00010.5%
Personal Group Plc sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-06-3022.9%
Q42024-12-317.9%
Q22025-06-302.8%
Q42025-12-317.2%
Personal Group Plc annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31GBP -0.23N/A
20232023-12-31GBP 0.14N/A
20242024-12-31GBP 0.1621.7%
20252025-12-31GBP 0.2234.2%
Personal Group Plc sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-06-30-41.3%
Q42024-12-31107.9%
Q22025-06-30-16.7%
Q42025-12-3141.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

£25.03M

+46.2%

Gross Profit

£25.03M

+444.0%

Gross Margin

100.00%

N/A

Market Cap

£123.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£479.31K

N/A

Employees

258

N/A

Net Income

£4.29M

+47.2%

EBITDA

£6.39M

+34.3%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

£25.01M

+42.9%

Total Debt

£453.00K

-59.8%

Accounts Receivable

£14.78M

-7.7%

Inventory

£0.00

-100.0%

Long Term Debt

£106.00K

-81.3%

Short Term Debt

£347.00K

-69.0%

Return on Assets

12.70%

N/A

Return on Invested Capital

14.94%

N/A

Free Cash Flow

£6.24M

+1403.1%

Operating Cash Flow

£6.39M

+755.3%

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Questions About PGH

What is the current price of Personal Group Plc?

Personal Group Plc is trading at £3.90 per share.

What is the 52-week range for Personal Group Plc?

Over the past 52 weeks, Personal Group Plc has traded between £2.80 and £4.20.

How much debt does Personal Group Plc have?

As of the most recent reporting period, Personal Group Plc reported total debt of £453.00K.

How much cash does Personal Group Plc have on hand?

Personal Group Plc reported £23.11M in cash and cash equivalents in its most recent financial results.

What is Personal Group Plc’s dividend yield?

Personal Group Plc currently has a dividend yield of 5.94%.

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