# Personal Group Holdings Plc (PGH.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Insurance. Price 413p, market value 130 millionp.

## Valuation
- **P/E (trailing): 18.8×** (5-yr avg 1594.0×, 3-yr avg 1225.1×). Personal Group Holdings Plc trades at 18.8× trailing earnings, well below its own five-year average of 1594.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 14.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.42**. A PEG of 1.42 is in the range usually read as fairly priced for its growth.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 3.5×**. The shares trade at 3.5× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 5.7×**. Enterprise value is 5.7× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 17.8%** (5-yr avg 0.1%). Free cash flow equals 17.8% of the market value, above its five-year average of 0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.3%**. The inverse of the P/E: 5.3% of the price is earned each year.

## Profitability
- **Gross margin: 100.1%**. Personal Group Holdings Plc keeps 100.1% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 16.9%**. 16.9% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 15.1%**. 15.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.8%**. 19.8% on shareholders' equity is solid.
- **Return on invested capital: 106.7%**. Return on all capital, debt included, is 106.7%: comfortably above what that capital costs.
- **Return on assets: 22.0%**. Each dollar of assets produces 22.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 10.4%** (3-yr 21.2%/yr, 5-yr -7.5%/yr). Revenue grew 10.4% over the last year, against -7.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 10.0%** (5-yr 0.0%/yr). Earnings per share rose 10.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 83.9%/yr**. Free cash flow has compounded at 83.9% a year over three years.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 25 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 5.83%** (0p per share, trailing). Personal Group Holdings Plc yields 5.83%, an income-level yield.
- **Payout ratio: 78%** (41% of free cash flow). 78% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 6.5%/yr** (1-yr 47.4%). The dividend has grown 6.5% a year over five years.
- **Shareholder yield: 5.8%**. Dividends plus net buybacks return 5.8% of the market value a year.

## Price and momentum
- **Total return (1 yr): 6.0%** (YTD 26.3%, 3-mo 0.6%). The shares are up 6.0% over twelve months including dividends.
- **From 52-week high: -1.8%** (47.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.40** (volatility 33%). Beta of 0.40 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PGH.L · Page: https://foliofundamentals.com/stocks/pgh.l

Not investment advice.