Companies ›Financials ›PGH.L

PGH.L — London Stock Exchange Life & Health Insurance

Personal Group Holdings PLC

$387,50

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Mcap

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P/E

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EV / Rev

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Div yield

6,21 %

Op margin

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ROE

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Net margin

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Debt / equity

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Beta

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52w range

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Volume

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Day range

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Prev close

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Next earnings

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TR 1Y

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About

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

Business. Personal Group Holdings PLC is a life and health insurance company listed on the London Stock Exchange under the ticker PGH.L. The firm operates within the Financials sector, specifically focusing on the Life & Health Insurance industry. As specific operating segments and geographic details are not provided, the company is described at the industry level. Its primary listing is on the London Stock Exchange.

Classification92 %

SectorFinancials

Business sectorInsurance

IndustryLife & Health Insurance

Generated · model-assisted

Sell-side consensus

BUY1 analysts

1 buy0 hold0 sell

Avg 12m price target415,00

Analyst recommendations

1 analysts · consensus Buy

Buy1

Hold0

Sell0

12-month price target

415,00

Consensus of sell-side coverage.

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts→

Buy

1 analysts · indicative

Ownership

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not yet wired

Profitability

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not yet wired

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning PGH.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to PGH.L. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Personal Group Holdings PLC is a life and health insurance company listed on the London Stock Exchange under the ticker PGH.L. The firm operates within the Financials sector, specifically focusing on the Life & Health Insurance industry. As specific operating segments and geographic details are not provided, the company is described at the industry level. Its primary listing is on the London Stock Exchange.

Classification92 %

SectorFinancials

Business sectorInsurance

IndustryLife & Health Insurance

AI synthesis

GENERATED

— missing data

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.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Annual

ANNUALFiled 2026-03-24

FY 2026 · Full-year highlights

Operating income +21,0% YoY; Net income +12,2% YoY.

Revenue—

Operating income£8.2M+21,0 % YoY

Net income£7.3M+12,2 % YoY

Free cash flow£1.7M+18,0 % YoY

EPS—

Operating cash flow£9.9M−13,7 % YoY

Financials

Income statement

Revenue—

Gross profit—

Operating income£8.2M

Net income£7.3M

Balance sheet

Total assets£57.4M

Total liabilities£20.5M

Total equity£36.8M

Cash & equivalents£1.9M

Long-term debt£453.0k

Cash flow

Operating cash flow£9.9M

CapEx-£3.1M

Free cash flow£1.7M

SBC—

Highlights

▍Operating income +21,0% YoY
▍Net income +12,2% YoY
▍Free cash flow +18,0% YoY

Valuation FY

Market price

$387,50

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

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Net cashⓘ

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Current ratioⓘ

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Debt / equityⓘ

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ROAⓘ

—

ROEⓘ

—

Cash conversionⓘ

—

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

0,25

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

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no estimate

Segment revenue

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no estimate

Margin

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no estimate

Segment margin

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no estimate

as of 2026-05-12 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	0,25
Revenue	—no estimate	—no estimate	54,4M GBP
Operating income	—no estimate	—no estimate	10,3M GBP

Full-year consensus mean (period as reported by source) · consensus in GBP. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution1 analysts

Strong buy0

Buy1

Hold0

Sell0

Strong sell0

12-month price target$415,00 · Median $415,00

Low $415,00High $415,00

Operating income · consensus10,3M GBP

EPS surprise

−6,3 %

reported vs consensus · miss

Revenue surprise

−11,1 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$415,00

Mean$415,00

Median$415,00

High$415,00

Spot$387,50

+7.1 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskUnknown

Benchmarks vs cohort

No cohort benchmark data available for this issuer yet.

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic

Source documents

Personal Group Holdings PLC Market data — financials · 2026-05-28
Personal Group Holdings PLC Market data — analyst estimates · 2026-05-28

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

PGH.LCanonical

London Stock Exchange · USD

Intel & risk

PredictorBeat prob45 %Surprise+0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskUnknown

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated

2026-03-24 07:02 UTCEARNINGSAnnual results — FY 2026 Net GBP 7.3M

2025-03-25 07:00 UTCEARNINGSAnnual results — FY 2025 Net GBP 6.5M

2024-03-19 07:00 UTCEARNINGSAnnual results — FY 2024 Net GBP 4.3M

2023-03-28 07:00 UTCEARNINGSAnnual results — FY 2023 Net GBP -7.3M

2022-03-29 07:00 UTCEARNINGSAnnual results — FY 2022 Net GBP 3.6M

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread