A Business at a Glance
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PERSONAL GROUP HOLDINGS PLC ORD operates in the Insurance - Property & Casualty industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 56M | 56M | 48M | 61M | 102M | 92M |
| Net Income | 8.3M | 8.3M | 5.4M | -8.9M | 4.9M | 8.9M |
| EPS | $0.26 | $0.26 | $0.17 | $-0.29 | $0.16 | $0.28 |
| Free Cash Flow | 15M | 15M | 8.1M | 3.6M | 10M | 10.0M |
| ROIC | 36.6% | 29.2% | 23.7% | 16.6% | 16.6% | 30.2% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.04 | 0.04 | - | - | - |
| Dividends/Share | $0.16 | $0.16 | $0.14 | $0.13 | $0.14 | $0.17 |
| Operating Income | 8.9M | 8.9M | 6.4M | 4.7M | 6.0M | 11M |
| Operating Margin | 15.8% | 15.8% | 13.4% | 7.7% | 5.9% | 12.1% |
| ROE | 18.6% | 19.7% | 13.8% | -18.8% | 9.0% | 16.9% |
| Shares Outstanding | 31M | 31M | 31M | 31M | 31M | 31M |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 92M | 102M | 61M | 48M | 56M | 56M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 11M | 6.0M | 4.7M | 6.4M | 8.9M | 8.9M |
| Op. Margin | 12.1% | 5.9% | 7.7% | 13.4% | 15.8% | 15.8% |
| Net Income | 8.9M | 4.9M | -8.9M | 5.4M | 8.3M | 8.3M |
| Net Margin | 9.6% | 4.8% | -14.6% | 11.2% | 14.8% | 14.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 30.2% | 16.6% | 16.6% | 23.7% | 29.2% | 36.6% |
| ROE | 16.9% | 9.0% | -18.8% | 13.8% | 19.7% | 18.6% |
| ROA | 11.7% | 6.5% | -13.6% | 9.3% | 13.1% | 12.7% |
| Cash Flow | ||||||
| Op. Cash Flow | 10M | 10M | 4.0M | 8.3M | 15M | 15M |
| Free Cash Flow | 10.0M | 10M | 3.6M | 8.1M | 15M | 15M |
| Owner Earnings | 10M | 10M | 3.6M | 8.1M | 14M | 14M |
| CapEx | 439K | 324K | 409K | 196K | 132K | 132K |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 132K |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 4.2% | 3.1% | 10.2% | 2.4% | 0.9% | 0.9% |
| Capital Allocation | ||||||
| Dividends Paid | 5.3M | 4.5M | 4.1M | 4.3M | 4.9M | 4.9M |
| Dividend Yield | 4.7% | 3.8% | 3.9% | 5.8% | 7.1% | 4.6% |
| Share Buybacks | 28K | 48K | 67K | 20K | 104K | 104K |
| Buyback Yield | 0.0% | 0.0% | 0.1% | 0.0% | 0.1% | 0.1% |
| Stock-Based Comp | 10K | 232K | 359K | 211K | 258K | 258K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | -16M | -22M | -24M |
| Cash & Equiv. | 23M | 28M | 21M | 18M | 24M | 24M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | 0.04 | 0.04 | 0.00 |
| Interest Coverage | 118.2 | 136.7 | 191.7 | 67.8 | 65.4 | 65.4 |
| Equity | 53M | 57M | 38M | 40M | 45M | 45M |
| Total Assets | 76M | 77M | 54M | 61M | 66M | 66M |
| Total Liabilities | 23M | 20M | 16M | 21M | 21M | 21M |
| Intangibles | N/A | 2.3M | N/A | 4.6M | 6.2M | 6.2M |
| Retained Earnings | 49M | 53M | 34M | 36M | 40M | 40M |
| Working Capital | 29M | 32M | 27M | 27M | 31M | 31M |
| Current Assets | 51M | 50M | 42M | 47M | 50M | 50M |
| Current Liabilities | 22M | 19M | 15M | 20M | 19M | 19M |
| Per Share Data | ||||||
| EPS | 0.28 | 0.16 | -0.29 | 0.17 | 0.26 | 0.26 |
| Owner EPS | 0.33 | 0.33 | 0.12 | 0.26 | 0.46 | 0.46 |
| Book Value | 1.68 | 1.81 | 1.22 | 1.27 | 1.43 | 1.43 |
| Cash Flow/Share | 0.33 | 0.33 | 0.13 | 0.27 | 0.47 | 0.27 |
| Dividends/Share | 0.17 | 0.14 | 0.13 | 0.14 | 0.16 | 0.16 |
| Shares Out. | 31.2M | 31.3M | 31.3M | 31.3M | 31.2M | 31.2M |
| Valuation | ||||||
| P/E Ratio | 9.8 | 26.7 | -7.9 | 14.0 | 9.1 | 13.2 |
| P/FCF | 8.7 | 13.1 | 19.8 | 9.1 | 5.1 | 7.3 |
| EV/EBIT | N/A | N/A | N/A | 8.9 | 5.7 | 9.2 |
| Price/Book | 1.7 | 2.3 | 1.9 | 1.8 | 1.6 | 2.4 |
| Price/Sales | 0.9 | 1.3 | 1.2 | 1.5 | 1.3 | 1.9 |
| FCF Yield | 11.5% | 7.6% | 5.1% | 11.0% | 19.8% | 13.7% |
| Market Cap | 87M | 132M | 71M | 74M | 73M | 106M |
| Avg. Price | 3.68 | 3.77 | 3.31 | 2.39 | 2.23 | 3.40 |
| Year-End Price | 2.79 | 4.23 | 2.27 | 2.36 | 2.35 | 3.40 |
PERSONAL GROUP HOLDINGS PLC ORD passes 3 of 9 quality checks, indicating weak fundamentals.
PERSONAL GROUP HOLDINGS PLC ORD trades at 13.2x trailing earnings, compared to its 15-year median P/E of 11.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.3x vs a median of 9.1x. The company's 5-year average ROIC is 23.2%. Total shareholder yield (dividends) is 4.7%. At current prices, the estimated annualized return to fair value is +1.5%.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a current P/E ratio of 13.2, compared to its historical median P/E of 11.9. The stock is currently considered Fair based on its historical valuation range.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a 5-year average return on invested capital (ROIC) of 23.2%. This indicates strong capital allocation and a potential competitive advantage.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a market capitalization of $106M. It is classified as a small-cap stock.
Yes, PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) pays a dividend with a trailing twelve-month yield of 4.65%. The company also returns capital through share buybacks, with a buyback yield of 0.10%.
Based on historical P/E analysis, PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) appears fair. The current P/E of 13.2 is 11% above its historical median of 11.9. The estimated fair value CAGR (P/E method) is -6.9%.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) operates in the Insurance - Property & Casualty industry, within the Financial Services sector.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) reported annual revenue of $56 million in its most recent fiscal year, based on SEC EDGAR filings.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a net profit margin of 14.8%. This is a healthy margin.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) generated $15 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a debt-to-equity ratio of 0.04. This indicates a conservatively financed balance sheet.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) reported earnings per share (EPS) of $0.26 in its most recent fiscal year.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a return on equity (ROE) of 19.7%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 5 years of financial data for PERSONAL GROUP HOLDINGS PLC ORD (PGH-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PERSONAL GROUP HOLDINGS PLC ORD (PGH-L) has a book value per share of $1.43, based on its most recent annual SEC filing.
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