Dashboard
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 13.05%
- Poor long term growth as Operating profit has grown by an annual rate of 1.74%
2
Positive results in Dec 24
3
With ROE of 19.09%, it has a very attractive valuation with a 3.00 Price to Book Value
4
Market Beating Performance
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-12.11%
0%
-12.11%
6 Months
18.82%
0%
18.82%
1 Year
73.1%
0%
73.1%
2 Years
131.19%
0%
131.19%
3 Years
81.38%
0%
81.38%
4 Years
-1.16%
0%
-1.16%
5 Years
55.71%
0%
55.71%
Personal Group Holdings Plc for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
-8.37%
EBIT Growth (5y)
1.74%
EBIT to Interest (avg)
-0.12
Debt to EBITDA (avg)
0.12
Net Debt to Equity (avg)
0.02
Sales to Capital Employed (avg)
1.45
Tax Ratio
19.02%
Dividend Payout Ratio
96.66%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
13.05%
Valuation key factors
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
3.00
EV to EBIT
NA
EV to EBITDA
26.64
EV to Capital Employed
12.14
EV to Sales
1.65
PEG Ratio
0.40
Dividend Yield
738.82%
ROCE (Latest)
ROE (Latest)
19.09%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Annual Results Snapshot (Consolidated) - Dec'23
Dec'23
Dec'22
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
1.90
1.80
5.56%
Interest
0.10
0.00
Exceptional Items
0.00
-10.60
100.00%
Consolidate Net Profit
4.30
-7.30
158.90%
Operating Profit Margin (Excl OI)
175.60%
145.60%
3.00%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2023 is 0.00% vs 0.00% in Dec 2022
Consolidated Net Profit
YoY Growth in year ended Dec 2023 is 158.90% vs -302.78% in Dec 2022
About Personal Group Holdings Plc 
Personal Group Holdings Plc
Capital Markets
Personal Group Holdings PLC (PGH) is a United Kingdom-based company engaged in transacting employee benefits related business, including short-term accident and health insurance and the provision of salary sacrifice technology products in the United Kingdom. The Company's segments include Core Insurance, IT Salary Sacrifice, Mobile and Other. The Core Insurance segment is engaged in the underwriting by Personal Assurance Plc (PA) of insurance policies that are bought by employees of host companies through bespoke benefit programs. The IT salary sacrifice segment refers to the trade of Lets Connect, a salary sacrifice technology. Mobile segment refers to the trade of PG Mobile Limited, a mobile phone salary sacrifice company set up from the trade and assets of shebang Technologies. The Other segment consists of Berkeley Morgan Group (BMG) and its subsidiary undertakings and Personal Management Solutions (PMS).
Company Coordinates 
Company Details
John Ormond House, 899 Silbury Boulevard , MILTON KEYNES None : MK9 3XL
Registrar Details






