Personal Group (PGH) Share Price, News & Analysis

Company Overview

Personal Group Holdings Plc (AIM: PGH) is a workforce benefits and health insurance provider. Its vision is to be the champion of affordable and accessible insurance and benefits, keeping businesses and their employees happy, healthy and protected. The Group is proud to support the health and wellbeing of c. 1.25 million UK employees. The Group's insurance provides employees with access to affordable, individual policies for hospital, recovery and death benefit plans. The Group's award-winning benefits platform, Hapi, brings together extensive employee benefits, discounts and rewards, in one responsive platform. As well as being sold direct to employers, the Hapi platform supports Sage's Employee Benefits offerings for SMEs. The Group also offers pay and reward consultancy to UK clients through its Innecto brand. This comprehensive range of offerings, powerful platform and unique sales model of face-to-face, one-to-one engagement with employees, provides Personal Group with a strong market position from which to grow. Head-quartered in Milton Keynes, the Group has built an extensive blue-chip customer list over its 40-year history, including Airtanker, B & Q, Barchester Healthcare, British Transport Police, British Airways, Merseyrail, Office of National Statistics, Randstad, Royal Mail Group, The Royal Mint, Stagecoach Group plc, and The University of York For further information on the Group please see www.personalgroup.com

Key Stats

• Today's Range: 400 to 415
• 50-Day Range: 387.60 to 415
• 52-Week Range: 280 to 420
• Volume: 117,425 shs
• Average Volume: 69,822 shs
• Market Capitalization: £128.23 million
• P/E Ratio: 18.42
• Dividend Yield: 5.72%
• Price Target: GBX 520
• Consensus Rating: Moderate Buy

Personal Group Stock Analysis - MarketRank™

Personal Group scored higher than 67% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Personal Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Personal Group has a consensus price target of GBX 520, representing about 27.8% upside from its current price of GBX 407.

Amount of Analyst Coverage

Personal Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Personal Group is 18.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Personal Group is 18.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.30.

Price to Book Value per Share Ratio

Personal Group has a P/B Ratio of 3.98. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for PGH.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Personal Group is a leading dividend payer. It pays a dividend yield of 5.72%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Personal Group does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Personal Group is 82.35%. Payout ratios above 75% are not desirable because they may not be sustainable.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.75

News Sentiment

Personal Group has a news sentiment score of 0.75. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.87 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Personal Group this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Personal Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

44.76% of the stock of Personal Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

13.46% of the stock of Personal Group is held by institutions.

Company Calendar

• Today: 9/15/2026
• Last Earnings: 9/15/2026

Industry, Sector and Symbol

• Stock Exchange: LON
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: LON:PGH
• CIK: N/A
• Web: www.personalgroup.com
• Phone: +44-1908-605000
• Fax: N/A
• Employees: 259
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Personal Group: GBX 520
• High Price Target: GBX 630
• Low Price Target: GBX 465
• Potential Upside/Downside: +27.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): GBX 22.10
• Trailing P/E Ratio: 18.42
• Forward P/E Ratio: 21.34
• P/E Growth: N/A
• Net Income: £4.55 million
• Net Margins: 15.06%
• Pretax Margin: N/A
• Return on Equity: 20.34%
• Return on Assets: 7.99%

Debt

• Debt-to-Equity Ratio: 1.23
• Current Ratio: 72.08
• Quick Ratio: 2.78

Sales & Book Value

• Annual Sales: £48.46 million
• Price / Sales: 2.65
• Cash Flow: GBX 163.68 per share
• Price / Cash Flow: 2.49
• Book Value: GBX 102.30 per share
• Price / Book: 3.98

Miscellaneous

• Outstanding Shares: 31,506,000
• Free Float: N/A
• Market Cap: £128.23 million
• Optionable: Not Optionable
• Beta: 0.18