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

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend5.85p5.30p5.30pn/a7.00p
Final Dividend5.85p5.30p5.30p5.10p3.00p
Total Dividend11.70p10.60p10.60p18.40p23.30p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 28.71 25.41 25.05 29.26 30.37
Operating Profit/(Loss) 5.41 3.84 4.37 8.63 9.35
Profit Before Tax 5.33 (6.76) 4.34 8.56 10.49
Profit After Tax 4.32 (7.25) 3.60 6.89 8.84
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 4.32 (7.25) 3.60 6.89 8.84
Attributable to:          
Equity Holders of Parent Company 4.32 (7.25) 3.60 6.89 8.84
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 13.80p (23.20p) 11.50p 22.10p 28.40p
Earnings per Share - Diluted 13.50p (23.20p) 11.50p 22.10p 28.40p
Earnings per Share - Adjusted 13.80p 10.60p 11.50p 22.10p 28.40p
Continuing and Discontinued EPS          
Earnings per Share - Basic 13.80p (23.20p) 11.50p 22.10p 28.40p
Earnings per Share - Diluted 13.50p (23.20p) 11.50p 22.10p 28.40p
Earnings per Share - Adjusted 13.80p 10.60p 11.50p 22.10p 28.40p
           
Dividend per Share 11.70p 10.60p 10.60p 18.40p 23.30p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Property, Plant & Equipment 5.02 4.64 5.03 5.46 5.98
Intangible Assets 6.34 5.07 14.33 13.95 14.00
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Insurance/Re-Insurance Assets n/a 0.04 0.11 0.08 0.12
           
Inventories 0.27 0.73 0.90 0.86 0.75
Trade & Other Receivables 16.01 13.47 14.03 18.35 18.55
Cash at Bank & in Hand 17.50 16.96 20.29 17.59 14.48
Other Current Assets 4.05 0.23 2.91 2.64 2.57
Other Assets n/a n/a n/a n/a n/a
Total Assets 49.19 44.16 57.60 58.92 56.44
           
Liabilities          
Insurance Contracts 0.74 1.08 n/a n/a n/a
Provisions for Risks and Charges n/a n/a n/a n/a n/a
Other Insurance Liabilities n/a n/a n/a n/a n/a
Borrowings n/a n/a n/a n/a n/a
Provisions 0.79 0.68 0.48 0.40 0.30
Other Liabilities 15.67 10.61 15.84 17.75 18.12
Total Liabilities 17.19 12.38 16.32 18.15 18.42
           
Net Assets 32.00 30.98 41.28 40.77 38.01
           
Capital & Reserves          
Share Capital 1.56 1.56 1.56 1.56 1.56
Share Premium Account 1.13 1.13 1.13 1.13 1.13
Other Reserves 0.50 0.34 0.15 n/a (0.21)
Retained Earnings 28.80 27.95 38.44 38.08 35.53
Shareholders Funds 32.00 30.98 41.28 40.77 38.01
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 32.00 30.98 41.28 40.77 38.01
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities 6.68 3.24 7.59 8.10 8.67
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (2.13) (2.80) (1.20) (0.33) (2.97)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (4.00) (3.77) (3.68) (4.66) (6.37)
Net Increase/Decrease In Cash 0.54 (3.33) 2.70 3.11 (0.67)
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 13.4 18.5 28.3 9.3 11.8
PEG - Adjusted 0.4 n/a n/a n/a 2.9
Earnings per Share Growth - Adjusted 30% -8% -48% -22% 4%
Dividend Cover 1.18 1.00 1.08 1.20 1.22
Revenue per Share 91.87p 81.30p 0.81p 93.65p 97.18p
Pre-Tax Profit per Share 17.07p (21.63p) 0.14p 27.38p 33.56p
Operating Margin 18.86% 15.09% 17.46% 29.49% 30.79%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 13.4 18.5 2,799.8 9.3 11.8
PEG - Adjusted 0.4 0.0 n/a n/a 2.9
Earnings per Share Growth - Adjusted 30% 9,032% -100% -22% 4%
Dividend Cover 1.18 1.00 0.01 1.20 1.22
           
Dividend Yield 6.3% 5.4% 3.3% 8.9% 7.0%
Dividend per Share Growth 10.38% n/a (42.39%) (21.03%) 1.30%
Operating Cash Flow per Share 21.37p 10.37p 24.28p 25.92p 27.74p
Cash Incr/Decr per Share 1.73p (10.67p) 0.087p 9.96p (2.15p)
Net Asset Value per Share (exc. Intangibles) 82.11p 82.92p 86.24p 85.84p 76.86p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

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: Forecast figures based on normalised accounts.

 

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