Personal Group Holdings (PGH)

Sector:

Insurance

Index:

FTSE AIM All-Share

 160.50p
   
  • Change Today:
      0.000p
  • 52 Week High: 217.00
  • 52 Week Low: 147.50
  • Currency: UK Pounds
  • Shares Issued: 31.25m
  • Volume: 7,350
  • Market Cap: £50.15m
  • RiskGrade: 169

Key Financials

  £ (Millions) £ (Millions) £ (Millions)
Growth Metrics 31-Dec-10 31-Dec-09 31-Dec-08
Annualisation Factor 1.0 1.0 1.0
Dividend Yield 5.9% 5.6% 4.6%
       
Continuing Operations      
PE Ratio - Basic 12.7
12.7		 26.7
14.0		 23.4
10.5
PE Ratio - Diluted 12.7
12.7		 26.7
14.0		 23.6
10.5
PE Ratio - Adjusted 12.7 26.7 23.4
PEG - Basic 0.1
1.8		 1.3
4.7		 n/a
n/a
PEG - Diluted 0.1
1.8		 1.2
4.7		 n/a
n/a
PEG - Adjusted 0.1 1.3 n/a
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a
Operating Margin 50.92%
50.92%		 31.57%
48.67%		 32.68%
53.64%
       
Continuing & Discontinued Operations      
PE Ratio - Basic 12.7
12.7		 26.7
14.0		 23.4
10.5
PE Ratio - Diluted 12.7
12.7		 26.7
14.0		 23.6
10.5
PE Ratio - Adjusted 12.7 26.7 23.4
PEG - Basic 0.1
1.8		 1.3
4.7		 n/a
n/a
PEG - Diluted 0.1
1.8		 1.2
4.7		 n/a
n/a
PEG - Adjusted 0.1 1.3 n/a

  £ (Millions) £ (Millions) £ (Millions)
Gearing 31-Dec-10 31-Dec-09 31-Dec-08
Net Gearing (29.68%) (32.82%) (22.50%)

  £ (Millions) £ (Millions) £ (Millions)
Value Metrics 31-Dec-10 31-Dec-09 31-Dec-08
Price/Book Value 4.2 4.7 3.8
Price/Tangible Book Value 4.2 4.7 3.8
Price/ Cash Flow 12.2 13.0 11.3
Price/Revenue 4.66 5.04 3.97
Price/R&D n/a n/a n/a
Net Asset Value per Share (exc. Intangibles) 68.70p 62.82p 56.69p
Net Cash per Share n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions)
Annualised Fundamentals 31-Dec-10 31-Dec-09 31-Dec-08
Continuing Operations      
Revenue 18.43 17.55 16.38
Net Interest n/a
n/a		 (0.02)
(0.02)		 (0.12)
(0.12)
Profit Before Tax 9.38
9.38		 5.52
8.52		 5.23
8.66
       
Revenue per Share 61.69p 58.83p 54.11p
Pre-Tax Profit per Share 31.40p
31.40p		 18.51p
28.57p		 17.27p
28.61p
Market Capitalisation £ (Millions) 86.44 89.14 64.64
Enterprise Value (EV) £ (Millions) 86.53 89.31 66.91
EBITDA/EV 11.36%
11.36%		 10.09%
10.09%		 13.81%
13.81%
Operating Margin 50.92%
50.92%		 31.57%
48.67%		 32.68%
53.64%
Capital Employed £ (Millions) 20.83 19.09 19.65
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a
Invested Equity Capital £ (Millions) 23.74 21.93 23.39
       
Earnings per Share - Basic 22.60p
22.62p		 11.10p
21.18p		 9.20p
20.50p
Earnings per Share - Diluted 22.60p
22.62p		 11.10p
21.17p		 9.10p
20.48p
Earnings per Share - Adjusted 22.60p 11.10p 9.20p
Earnings per Share Growth - Basic 104%
7%		 21%
3%		 n/a
n/a
Earnings per Share Growth - Diluted 104%
7%		 22%
3%		 n/a
n/a
Earnings per Share Growth - Adjusted 104% 21% n/a
PE Ratio - Diluted 12.7
12.7		 26.7
14.0		 23.6
10.5
PEG - Diluted 0.1
1.8		 1.2
4.7		 n/a
n/a
Tax Rate 27.95% 39.88% 46.99%
Dividend Cover 1.33
1.33		 0.67
1.28		 0.93
2.07
       
Continuing & Discontinued Operations      
Earnings per Share - Basic 22.60p
22.62p		 11.10p
21.18p		 9.20p
20.50p
Earnings per Share - Diluted 22.60p
22.62p		 11.10p
21.17p		 9.10p
20.48p
Earnings per Share - Adjusted 22.60p 11.10p 9.20p
Earnings per Share Growth - Basic 104%
7%		 21%
3%		 n/a
n/a
Earnings per Share Growth - Diluted 104%
7%		 22%
3%		 n/a
n/a
Earnings per Share Growth - Adjusted 104% 21% n/a
PE Ratio - Diluted 12.7
12.7		 26.7
14.0		 23.6
10.5
PEG - Diluted 0.1
1.8		 1.2
4.7		 n/a
n/a
Dividend Cover 1.33
1.33		 0.67
1.28		 0.93
2.07
Return on Equity (ROE) 28.48%
28.48%		 15.14%
28.82%		 11.85%
26.53%
Operating Cash Flow per Share 23.63p 22.79p 19.05p
Gross Cash Flow per Share cn/a cn/a cn/a
Cash Incr/Decr per Share (0.75p) (0.60p) (0.83p)
Dividend per Share 17.00p 16.60p 9.90p
Dividend per Share Growth 2.41% 67.68% n/a
Dividend Yield 5.9% 5.6% 4.6%
Shareholders Funds 23.52 21.74 23.16
Net Borrowings £ (Millions) (6.98) (7.13) (5.21)
Net Asset Value per Share (inc. Intangibles) 68.70p 62.82p 56.69p

  £ (Millions) £ (Millions) £ (Millions)
Gearing - inc Intangibles 31-Dec-10 31-Dec-09 31-Dec-08
Shareholders' Funds inc Intangibles 23.52 21.74 23.16
Net Borrowings £ (Millions) (6.98) (7.13) (5.21)
Net Gearing (29.68%) (32.82%) (22.50%)
Cash & Near Cash 7.07 7.30 7.48
Cash 30.08% 33.58% 32.29%
Gross Borrowings 0.09 0.17 2.27
Gross Gearing 0.40% 0.76% 9.79%
Borrowings Under 5 years 0.09 0.17 2.27
Under 5 years 0.40% 0.76% 9.79%
Borrowings Under 1 year n/a n/a n/a
Under 1 year n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions)
Gearing - exc Intangibles 31-Dec-10 31-Dec-09 31-Dec-08
Shareholders' Funds exc Intangibles 20.52 18.74 17.16
Net Borrowings £ (Millions) (6.98) (7.13) (5.21)
Net Gearing (34.01%) (38.07%) (30.36%)
Cash & Near Cash 7.07 7.30 7.48
Cash 34.47% 38.96% 43.58%
Gross Borrowings 0.09 0.17 2.27
Gross Gearing 0.46% 0.89% 13.22%
Borrowings Under 5 years 0.09 0.17 2.27
Under 5 years 0.46% 0.89% 13.22%
Borrowings Under 1 year n/a n/a n/a
Under 1 year n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Based on operating cash flow before tax

c. Not disclosed under IFRS

d. Includes non-current assets

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Normalised ratios are shown in blue text

Note 6: Forecast figures based on normalised accounts.

 

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