Personal Group Holdings (PGH)

Sector:

Insurance

Index:

FTSE AIM All-Share

387.50p
   
  • Change Today:
      0.50p
  • 52 Week High: 396.00p
  • 52 Week Low: 280.00p
  • Currency: UK Pounds
  • Shares Issued: 31.58m
  • Volume: 63,765
  • Market Cap: £122.38m
  • RiskGrade: 169
  • Beta: 0.00

Dividend Data

  31-Dec-2531-Dec-2431-Dec-2331-Dec-2231-Dec-21
Interim Dividend8.20p6.50p5.85p5.30pn/a
Final Dividend15.10p10.00p5.85p5.30pn/a
Total Dividend23.30p16.50p11.70p10.60pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
Revenue 36.22 32.17 28.71 25.41 25.05
Operating Profit/(Loss) 8.49 6.93 5.15 3.84 4.37
Profit Before Tax 8.41 6.83 5.08 (6.76) 4.34
Profit After Tax 7.29 5.53 4.18 (7.25) 3.60
Discontinued Operations          
Profit After Tax n/a 0.97 0.14 n/a n/a
PROFIT FOR THE PERIOD 7.29 6.50 4.32 (7.25) 3.60
Attributable to:          
Equity Holders of Parent Company 7.29 6.50 4.32 (7.25) 3.60
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 23.30p 17.70p 13.40p (23.20p) 11.50p
Earnings per Share - Diluted 22.10p 17.10p 13.10p (23.20p) 11.50p
Earnings per Share - Adjusted 23.30p 17.70p 13.40p 10.60p 11.50p
Continuing and Discontinued EPS          
Earnings per Share - Basic 23.30p 20.80p 13.80p (23.20p) 11.50p
Earnings per Share - Diluted 22.10p 20.10p 13.10p (23.20p) 11.50p
Earnings per Share - Adjusted 23.30p 17.70p 13.40p 10.60p 11.50p
           
Dividend per Share 23.30p 16.50p 11.70p 10.60p 10.60p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Assets          
Property, Plant & Equipment 3.96 4.48 5.02 4.64 5.03
Intangible Assets 7.88 7.54 6.34 5.07 14.33
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Insurance/Re-Insurance Assets n/a n/a n/a 0.04 0.11
           
Inventories n/a n/a 0.27 0.73 0.90
Trade & Other Receivables 13.91 9.99 16.01 13.47 14.03
Cash at Bank & in Hand 25.01 19.06 14.57 16.96 20.29
Other Current Assets 0.87 0.30 6.97 0.23 2.91
Other Assets n/a n/a n/a n/a n/a
Total Assets 57.36 51.29 49.19 44.16 57.60
           
Liabilities          
Insurance Contracts 0.91 0.89 0.74 1.08 n/a
Provisions for Risks and Charges n/a n/a n/a n/a n/a
Other Insurance Liabilities n/a n/a n/a n/a n/a
Borrowings n/a n/a n/a n/a n/a
Provisions 1.06 1.16 0.78 0.68 0.48
Other Liabilities 18.58 14.40 15.68 10.61 15.84
Total Liabilities 20.55 16.45 17.19 12.38 16.32
           
Net Assets 36.81 34.84 32.00 30.98 41.28
           
Capital & Reserves          
Share Capital 1.56 1.56 1.56 1.56 1.56
Share Premium Account 1.13 1.13 1.13 1.13 1.13
Other Reserves 0.70 0.49 0.50 0.34 0.15
Retained Earnings 33.42 31.65 28.80 27.95 38.44
Shareholders Funds 36.81 34.84 32.00 30.98 41.28
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 36.81 34.84 32.00 30.98 41.28
Cash Flow 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Net Cash Flow From Operating Activities 9.88 11.44 6.68 3.24 7.59
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities 2.45 (2.48) (5.06) (2.80) (1.20)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (6.38) (4.47) (4.00) (3.77) (3.68)
Net Increase/Decrease In Cash 5.95 4.49 (2.39) (3.33) 2.70
Ratios - based on IFRS 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
PE Ratio - Adjusted 13.4 10.6 13.8 18.5 28.3
PEG - Adjusted 0.4 0.3 0.5 n/a n/a
Earnings per Share Growth - Adjusted 32% 32% 26% -8% -48%
Dividend Cover 1.00 1.07 1.15 1.00 1.08
Revenue per Share 114.67p 101.84p 90.90p 80.44p 79.31p
Pre-Tax Profit per Share 26.64p 21.61p 16.08p (21.40p) 13.75p
Operating Margin 23.44% 21.55% 17.95% 15.09% 17.46%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 13.4 10.6 13.8 18.5 28.3
PEG - Adjusted 0.4 0.3 0.5 n/a n/a
Earnings per Share Growth - Adjusted 32% 32% 26% -8% -48%
Dividend Cover 1.00 1.07 1.15 1.00 1.08
           
Dividend Yield 7.4% 8.8% 6.3% 5.4% 3.3%
Dividend per Share Growth 41.21% 41.03% 10.38% n/a (42.39%)
Operating Cash Flow per Share 31.27p 36.23p 21.14p 10.26p 24.02p
Cash Incr/Decr per Share 18.84p 14.21p (7.56p) (10.55p) 8.55p
Net Asset Value per Share (exc. Intangibles) 91.60p 86.44p 81.24p 82.04p 85.32p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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