Personal Group Holdings (PGH)

Sector:

Insurance

Index:

FTSE AIM All-Share

 327.00p
   
  • Change Today:
      0.000p
  • 52 Week High: 385.00p
  • 52 Week Low: 211.00p
  • Currency: UK Pounds
  • Shares Issued: 31.22m
  • Volume: 0
  • Market Cap: £102.09m
  • RiskGrade: 169
  • Beta: 0.00

Dividend Data

  31-Dec-2031-Dec-1931-Dec-1831-Dec-1731-Dec-16
1st Interim5.90p5.83p5.75p5.67p5.50p
2nd Interim1.50p5.83p5.75p5.67p5.50p
Final Dividend5.10pn/an/an/a3.00p
Total Dividend18.40p23.30p23.00p22.70p22.00p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16
Continuing Operations          
Revenue 29.26 30.37 31.45 30.74 31.39
Operating Profit/(Loss) 8.63 9.35 9.55 9.51 10.26
Profit Before Tax 8.56 10.49 10.21 9.51 10.52
Profit After Tax 6.89 8.84 8.39 8.02 9.04
Discontinued Operations          
Profit After Tax n/a n/a n/a 0.24 (1.76)
PROFIT FOR THE PERIOD 6.89 8.84 8.39 8.26 7.28
Attributable to:          
Equity Holders of Parent Company 6.89 8.84 8.39 8.26 7.28
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 22.10p 28.40p 27.20p 26.10p 29.70p
Earnings per Share - Diluted 22.10p 28.40p 27.20p 25.70p 29.00p
Earnings per Share - Adjusted 22.10p 28.40p 27.20p 26.10p 29.70p
Continuing and Discontinued EPS          
Earnings per Share - Basic 22.10p 28.40p 27.20p 26.90p 23.90p
Earnings per Share - Diluted 22.10p 28.40p 27.20p 26.40p 23.40p
Earnings per Share - Adjusted 22.10p 28.40p 27.20p 26.90p 23.90p
           
Dividend per Share 18.40p 23.30p 23.00p 22.70p 22.00p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16
Assets          
Property, Plant & Equipment 5.46 5.98 6.04 4.75 5.10
Intangible Assets 13.95 14.00 11.07 11.56 12.05
Investment Properties n/a n/a 0.13 0.13 1.07
Investments n/a n/a n/a 0.64 0.64
Other Financial Assets n/a n/a 0.01 n/a n/a
Insurance/Re-Insurance Assets 0.08 0.12 0.19 0.18 0.31
           
Inventories 0.86 0.75 0.64 0.56 0.43
Trade & Other Receivables 18.35 18.55 16.53 14.62 20.20
Cash at Bank & in Hand 17.59 14.48 15.15 12.64 7.21
Other Current Assets 2.64 2.57 2.58 4.49 6.14
Other Assets n/a n/a n/a n/a n/a
Total Assets 58.92 56.44 52.33 49.57 53.14
           
Liabilities          
Insurance Contracts n/a n/a 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 0.40 0.30 0.10 0.02 n/a
Other Liabilities 17.75 18.12 16.94 15.79 20.82
Total Liabilities 18.15 18.42 17.04 15.81 20.82
           
Net Assets 40.77 38.01 35.29 33.76 32.33
           
Capital & Reserves          
Share Capital 1.56 1.56 1.54 1.54 1.54
Share Premium Account 1.13 1.13 n/a n/a n/a
Other Reserves n/a (0.21) (0.19) (0.20) (0.28)
Retained Earnings 38.08 35.53 33.94 32.42 31.06
Shareholders Funds 40.77 38.01 35.29 33.76 32.33
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 40.77 38.01 35.29 33.76 32.33
Cash Flow 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16
Net Cash Flow From Operating Activities 8.10 8.67 8.32 9.93 6.39
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 (0.33) (2.97) 1.60 2.51 1.89
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 (4.66) (6.37) (7.42) (7.00) (6.67)
Net Increase/Decrease In Cash 3.11 (0.67) 2.51 5.43 1.61
Ratios - based on IFRS 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16
Continuing Operations          
PE Ratio - Adjusted 9.3 11.8 16.2 18.3 12.5
PEG - Adjusted n/a 2.9 4.1 n/a n/a
Earnings per Share Growth - Adjusted -22% 4% 4% -12% -31%
Dividend Cover 1.20 1.22 1.18 1.15 1.35
Revenue per Share 93.74p 97.28p 100.74p 98.46p 100.55p
Pre-Tax Profit per Share 27.41p 33.59p 32.70p 30.46p 33.70p
Operating Margin 29.49% 30.79% 30.37% 30.94% 32.69%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 9.3 11.8 16.2 17.7 15.5
PEG - Adjusted n/a 2.9 16.2 1.4 n/a
Earnings per Share Growth - Adjusted -22% 4% 1% 13% -22%
Dividend Cover 1.20 1.22 1.18 1.19 1.09
           
Dividend Yield 8.9% 7.0% 5.2% 4.8% 5.9%
Dividend per Share Growth (21.03%) 1.30% 1.32% 3.18% 5.26%
Operating Cash Flow per Share 25.95p 27.77p 26.67p 31.80p 20.47p
Cash Incr/Decr per Share 9.97p (2.15p) 8.03p 17.41p 5.16p
Net Asset Value per Share (exc. Intangibles) 85.92p 76.93p 77.60p 71.09p 64.96p
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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