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INDICATIVE · SAMPLE DATA
PGH56

Personal Group Holdings PLC

Life & Health InsuranceVerified

Personal Group Holdings PLC has a basic and diluted share count of 31,583,222 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available for comparison against industry_config preferred metrics or cohort medians, as the valuation snapshot does not provide relevant ratios or metrics. Segment and geographic exposure details are not disclosed in the available data, making it impossible to assess revenue concentration or geographic diversification. Growth trajectory data is not available, as the outlook does not provide numeric deltas or revenue history for the current or next fiscal year. Risk factors include the inability to assess liquidity risk, with no balance-sheet inputs and no going-concern language in source documents. Dilution risk is low, and no adjustments have been applied to the valuation. Recent events and filings are not disclosed in the available data, so no specific events can be referenced.

30-day price · PGH+36.50 (+10.4%)
Low$320.00High$388.98Close$386.50As of13 May, 00:00 UTC
Profile
CompanyPersonal Group Holdings PLC
TickerPGH.L
SectorFinancials
BusinessInsurance
Industry groupInsurance
IndustryLife & Health Insurance
AI analysis

Business. Personal Group Holdings PLC operates in the life and health insurance sector, offering insurance products and services to its clients.

Classification. The company is classified under the Life & Health Insurance industry within the Financials sector, with a classification confidence of 0.92.

Personal Group Holdings PLC has a basic and diluted share count of 31,583,222 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available for comparison against industry_config preferred metrics or cohort medians, as the valuation snapshot does not provide relevant ratios or metrics. Segment and geographic exposure details are not disclosed in the available data, making it impossible to assess revenue concentration or geographic diversification. Growth trajectory data is not available, as the outlook does not provide numeric deltas or revenue history for the current or next fiscal year. Risk factors include the inability to assess liquidity risk, with no balance-sheet inputs and no going-concern language in source documents. Dilution risk is low, and no adjustments have been applied to the valuation. Recent events and filings are not disclosed in the available data, so no specific events can be referenced.
Key takeaways
  • Personal Group Holdings PLC has no dilution from potential share issuance, with equal basic and diluted share counts.
  • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
  • Profitability and returns data are not available for comparison against industry benchmarks.
  • Segment and geographic exposure details are not disclosed, limiting visibility into revenue concentration.
  • Growth trajectory and recent events are not disclosed in the available data.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyGBP
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$4.4M$3.6M$687.0k
FY-3-$6.5M-$7.3M-$10.3M
FY-2$5.0M$4.3M$405.0k
FY-1$6.8M$6.5M$1.5M
FY0$8.2M$7.3M$1.7M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$57.6M$41.3M$5.3M
FY-3$44.2M$31.0M$5.2M
FY-2$49.2M$32.0M$1.9M
FY-1$51.3M$34.8M$725.0k
FY0$57.4M$36.8M$1.9M
PeriodOCFCapExFCFSBC
FY-4$7.6M-$1.2M$687.0k
FY-3$3.2M-$1.5M-$10.3M
FY-2$6.7M-$2.2M$405.0k
FY-1$11.4M-$2.8M$1.5M
FY0$9.9M-$3.1M$1.7M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Life & Health Insurance · cohort 15 companies
MetricPGHActivity
Op margin12.3% medp25 5.6% · p75 21.6%
Net margin2.9% medp25 0.5% · p75 10.1%
Gross margin28.2% medp25 13.4% · p75 30.5%
CapEx / revenue-2.1% medp25 -8.2% · p75 -1.2%
Debt / equity27.5% medp25 4.7% · p75 66.5%
Observations
IR observations
Mean price target415.00 GBP
Median price target415.00 GBP
High price target415.00 GBP
Low price target415.00 GBP
Mean recommendation2.00 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count1.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate0.25 GBP
Last actual EPS0.23 GBP
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-12 01:56 UTC#a4afe567
Market quoteclose GBP 375.50 · shares 0.03B diluted
no public URL
2026-05-12 01:56 UTC#01d33ac8
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 23:19 UTCJob: 507e294d