ScoreWhy is Personal Group Holdings Plc ?
1
With a growth in Net Profit of 43.35%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 3 consecutive quarters
- INTEREST COVERAGE RATIO(Q) Highest at 4,811.11
- OPERATING CASH FLOW(Y) Highest at GBP 23.67 MM
- ROCE(HY) Highest at 20.34%
2
With ROE of 19.79%, it has a very attractive valuation with a 3.32 Price to Book Value
- Over the past year, while the stock has generated a return of 36.93%, its profits have risen by 31.8% ; the PEG ratio of the company is 0.5
3
Market Beating performance in long term as well as near term
- Along with generating 36.93% returns in the last 1 year, the stock has outperformed FTSE 100 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Personal Group Holdings Plc should be less than 10%
- Overall Portfolio exposure to Capital Markets should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Personal Group Holdings Plc for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Personal Group Holdings Plc
-100.0%
3.37
36.00%
FTSE 100
17.87%
1.52
11.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-7.55%
EBIT Growth (5y)
1.55%
EBIT to Interest (avg)
-0.12
Debt to EBITDA (avg)
0.12
Net Debt to Equity (avg)
0.02
Sales to Capital Employed (avg)
1.40
Tax Ratio
19.02%
Dividend Payout Ratio
99.91%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
13.05%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
3.32
EV to EBIT
NA
EV to EBITDA
28.40
EV to Capital Employed
14.31
EV to Sales
1.91
PEG Ratio
0.53
Dividend Yield
594.36%
ROCE (Latest)
ROE (Latest)
19.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 4,811.11
OPERATING CASH FLOW(Y)
Highest at GBP 23.67 MM
ROCE(HY)
Highest at 20.34%
NET SALES(Q)
Highest at GBP 24.96 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DIVIDEND PER SHARE(HY)
Highest at GBP 0
OPERATING PROFIT(Q)
Highest at GBP 4.68 MM
PRE-TAX PROFIT(Q)
Highest at GBP 4.63 MM
NET PROFIT(Q)
Highest at GBP 4.29 MM
EPS(Q)
Highest at GBP 0.13
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Personal Group Holdings Plc
Interest Coverage Ratio
Highest at 4,811.11 and Grown
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at GBP 24.96 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Operating Cash Flow
Highest at GBP 23.67 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Operating Profit
Highest at GBP 4.68 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 4.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 4.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 0.13
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Dividend per share
Highest at GBP 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at GBP 1.73 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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