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Personal Group Holdings Plc

  • Market Cap: Small Cap
  • Industry: Capital Markets
  • ISIN: GB0002760279
  • LON: PGH
GBP
4.51
0.11 (2.61%)

Sep 22

LON

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
Prudential Plc
Personal Group Holdings Plc
Aviva Plc
Hansard Global Plc
NAHL Group Plc
Phoenix Group Holdings Plc
Helios Underwriting Plc

Why is Personal Group Holdings Plc ?

1
The company has declared Positive results for the last 4 consecutive quarters
  • INTEREST COVERAGE RATIO(Q) Highest at 5,953.33
  • OPERATING CASH FLOW(Y) Highest at GBP 24.78 MM
  • ROCE(HY) Highest at 23.02%
2
With ROE of 19.79%, it has a very attractive valuation with a 3.28 Price to Book Value
  • Over the past year, while the stock has generated a return of 27.90%, 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 27.90% returns in the last 1 year, the stock has outperformed FTSE 100 in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report

Verdict Report

How much should you buy?

  1. Overall Portfolio exposure to Personal Group Holdings Plc should be less than 10%
  2. 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
27.9%
4.63
34.11%
FTSE 100
16.06%
1.36
11.82%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
-7.55%
EBIT Growth (5y)
1.55%
EBIT to Interest (avg)
-0.10
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0.02
Sales to Capital Employed (avg)
1.36
Tax Ratio
11.56%
Dividend Payout Ratio
99.91%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
13.05%
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
3.28
EV to EBIT
NA
EV to EBITDA
27.92
EV to Capital Employed
14.07
EV to Sales
1.87
PEG Ratio
0.52
Dividend Yield
602.13%
ROCE (Latest)
ROE (Latest)
19.79%
stock-recommendationTechnicals

Technical 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
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company
INTEREST COVERAGE RATIO(Q)

Highest at 5,953.33

OPERATING CASH FLOW(Y)

Highest at GBP 24.78 MM

ROCE(HY)

Highest at 23.02%

NET SALES(Q)

Highest at GBP 25.68 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

DEBT-EQUITY RATIO (HY)

Lowest at -73.26 %

DIVIDEND PER SHARE(HY)

Highest at GBP 0

OPERATING PROFIT(Q)

Highest at GBP 4.71 MM

-3What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)

Lowest at 72.99%

DIVIDEND PER SHARE(HY)

Lowest at GBP 0

Here's what is working for Personal Group Holdings Plc

Interest Coverage Ratio
Highest at 5,953.33 and Grown
In each period in the last five periods
MOJO Watch
The company's ability to manage interest payments is improving

Operating Profit to Interest

Net Sales
Highest at GBP 25.68 MM and Grown
In each period in the last five periods
MOJO Watch
Near term sales trend is very positive

Net Sales (GBP MM)

Operating Cash Flow
Highest at GBP 24.78 MM
in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (GBP MM)

Operating Profit
Highest at GBP 4.71 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (GBP MM)

Debt-Equity Ratio
Lowest at -73.26 %
in the last five Semi-Annual periods
MOJO Watch
The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Dividend per share
Highest at GBP 0
in the last five years
MOJO 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 1.79 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (GBP MM)

Here's what is not working for Personal Group Holdings Plc

Dividend Payout Ratio
Lowest at 72.99% and Fallen
In each year in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

Dividend per share
Lowest at GBP 0
in the last five years
MOJO Watch
Company is distributing lower dividend than previous years

DPS (GBP)

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