Personal Group (PGH) Competitors

Helios Underwriting (LON:HUW) and Personal Group (LON:PGH) are both small-cap financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, media sentiment, valuation, profitability and analyst recommendations.

Which has more risk and volatility, HUW or PGH?

Helios Underwriting has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500. Comparatively, Personal Group has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of HUW or PGH?

14.9% of Helios Underwriting shares are held by institutional investors. Comparatively, 22.3% of Personal Group shares are held by institutional investors. 35.1% of Helios Underwriting shares are held by insiders. Comparatively, 44.8% of Personal Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Which has preferable valuation & earnings, HUW or PGH?

Helios Underwriting has higher revenue and earnings than Personal Group. Helios Underwriting is trading at a lower price-to-earnings ratio than Personal Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Helios Underwriting	£254.15M	0.59	£17.25M	£0.23	920.70
Personal Group	£43.81M	2.52	£4.55M	£0.20	1,761.19

Does the media prefer HUW or PGH?

In the previous week, Personal Group had 4 more articles in the media than Helios Underwriting. MarketBeat recorded 6 mentions for Personal Group and 2 mentions for Helios Underwriting. Personal Group's average media sentiment score of 0.49 beat Helios Underwriting's score of 0.30 indicating that Personal Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Helios Underwriting	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Personal Group	1 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is HUW or PGH a better dividend stock?

Helios Underwriting pays an annual dividend of GBX 0.06 per share and has a dividend yield of 0.0%. Personal Group pays an annual dividend of GBX 0.12 per share and has a dividend yield of 0.0%. Helios Underwriting pays out 26.4% of its earnings in the form of a dividend. Personal Group pays out 61.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Is HUW or PGH more profitable?

Personal Group has a net margin of 13.49% compared to Helios Underwriting's net margin of 6.96%. Personal Group's return on equity of 14.40% beat Helios Underwriting's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Helios Underwriting	6.96%	12.61%	1.82%
Personal Group	13.49%	14.40%	7.99%

Do analysts prefer HUW or PGH?

Helios Underwriting currently has a consensus price target of GBX 239, suggesting a potential upside of 14.35%. Personal Group has a consensus price target of GBX 312.50, suggesting a potential downside of 11.72%. Given Helios Underwriting's higher probable upside, equities analysts clearly believe Helios Underwriting is more favorable than Personal Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Helios Underwriting	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Personal Group	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Summary

Personal Group beats Helios Underwriting on 12 of the 17 factors compared between the two stocks.