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 investment? We will compare the two companies based on the strength of their earnings, analyst recommendations, valuation, profitability, dividends, risk, media sentiment and institutional ownership.

Which has more volatility and risk, HUW or PGH?

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

Which has stronger earnings & valuation, 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	£247.79M	0.64	£17.25M	£23.85	9.30
Personal Group	£33.69M	2.92	£4.55M	£14.91	21.41

Does the media prefer HUW or PGH?

In the previous week, Personal Group had 2 more articles in the media than Helios Underwriting. MarketBeat recorded 4 mentions for Personal Group and 2 mentions for Helios Underwriting. Personal Group's average media sentiment score of 0.65 beat Helios Underwriting's score of 0.00 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)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
Personal Group	1 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer HUW or PGH?

Helios Underwriting presently has a consensus price target of GBX 239, indicating a potential upside of 7.78%. Personal Group has a consensus price target of GBX 288.50, indicating a potential downside of 9.60%. Given Helios Underwriting's higher possible 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

Is HUW or PGH a better dividend stock?

Helios Underwriting pays an annual dividend of GBX 6 per share and has a dividend yield of 2.7%. Personal Group pays an annual dividend of GBX 12 per share and has a dividend yield of 3.8%. Helios Underwriting pays out 25.2% of its earnings in the form of a dividend. Personal Group pays out 80.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Do insiders and institutionals have more ownership in HUW or PGH?

36.3% of Helios Underwriting shares are held by institutional investors. Comparatively, 40.3% of Personal Group shares are held by institutional investors. 57.3% of Helios Underwriting shares are held by company insiders. Comparatively, 43.9% of Personal Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

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%

Summary

Personal Group beats Helios Underwriting on 11 of the 17 factors compared between the two stocks.