Personal Group Holdings (PGH)

Sector:

Insurance

Index:

FTSE AIM All-Share

258.00p
   
  • Change Today:
      3.00p
  • 52 Week High: 261.24p
  • 52 Week Low: 155.00p
  • Currency: UK Pounds
  • Shares Issued: 31.25m
  • Volume: 100,168
  • Market Cap: £80.62m
  • RiskGrade: 169

Dividend Data

  31-Dec-2431-Dec-2331-Dec-2231-Dec-2131-Dec-20
Interim Dividend6.50p5.85p5.30p5.30p7.00p
Final Dividend10.00p5.85p5.30p5.30p5.10p
Total Dividend16.50p11.70p10.60p10.60p18.40p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 32.17 28.71 25.41 25.05 29.26
Operating Profit/(Loss) 6.93 5.15 3.84 4.37 8.63
Net Interest n/a n/a (0.02) (0.03) (0.07)
Profit Before Tax 6.83 5.08 (6.76) 4.34 8.56
Profit After Tax 5.53 4.18 (7.25) 3.60 6.89
Discontinued Operations          
Profit After Tax 0.97 0.14 n/a n/a n/a
PROFIT FOR THE PERIOD 6.50 4.32 (7.25) 3.60 6.89
Attributable to:          
Equity Holders of Parent Company 6.50 4.32 (7.25) 3.60 6.89
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 17.70p 13.40p (23.20p) 11.50p 22.10p
Earnings per Share - Diluted 17.70p 13.10p (23.20p) 11.50p 22.10p
Earnings per Share - Adjusted 17.70p 13.40p 10.60p 11.50p 22.10p
Continuing and Discontinued EPS          
Earnings per Share - Basic 20.80p 13.80p (23.20p) 11.50p 22.10p
Earnings per Share - Diluted 17.00p 13.10p (23.20p) 11.50p 22.10p
Earnings per Share - Adjusted 20.80p 13.40p 10.60p 11.50p 22.10p
           
Dividend per Share 16.50p 11.70p 10.60p 10.60p 18.40p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Non-Current Assets          
Property, Plant & Equipment 4.48 5.02 4.64 5.03 5.46
Intangible Assets 7.54 6.34 5.07 14.33 13.95
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
Other Non-Current Assets n/a n/a n/a n/a n/a
  12.02 11.36 9.71 19.37 19.41
Current Assets          
Inventories n/a 0.27 0.73 0.90 0.86
Trade & Other Receivables 9.99 16.01 13.47 14.03 18.35
Cash at Bank & in Hand 19.06 14.57 16.96 20.29 17.59
Current Asset Investments n/a n/a n/a n/a n/a
Other Current Assets 10.22 6.97 0.23 2.91 2.64
  39.27 37.83 31.38 38.13 39.44
           
Other Assets n/a n/a n/a n/a n/a
Total Assets 51.29 49.19 44.16 57.60 58.92
           
Liabilities          
Current Liabilities          
Borrowings n/a n/a n/a n/a n/a
Other Current Liabilities 14.06 15.10 11.29 15.44 17.40
  14.06 15.10 11.29 15.44 17.40
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings n/a n/a n/a n/a n/a
Provisions 1.16 0.78 0.68 0.48 0.40
Other Non-Current Liabilities 0.34 0.51 0.13 0.40 0.35
  1.50 1.28 0.81 0.88 0.75
           
Other Liabilities n/a n/a n/a n/a n/a
Total Liabilities 16.45 17.19 12.38 16.32 18.15
           
Net Assets 34.84 32.00 30.98 41.28 40.77
           
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 0.49 0.50 0.34 0.15 n/a
Retained Earnings 31.65 28.80 27.95 38.44 38.08
Shareholders Funds 34.84 32.00 30.98 41.28 40.77
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 34.84 32.00 30.98 41.28 40.77
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities 11.44 6.68 3.24 7.59 8.10
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 (2.48) (5.06) (2.80) (1.20) (0.33)
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 (4.47) (4.00) (3.77) (3.68) (4.66)
Net Increase/Decrease In Cash 4.49 (2.39) (3.33) 2.70 3.11
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted 10.6 13.8 18.5 28.3 9.3
PEG - Adjusted 0.3 0.5 n/a n/a n/a
Earnings per Share Growth - Adjusted 32% 26% -8% -48% -22%
Dividend Cover 1.07 1.15 1.00 1.08 1.20
Revenue per Share 102.94p 91.87p 81.30p 0.81p 93.65p
Pre-Tax Profit per Share 21.84p 16.25p (21.63p) 0.14p 27.38p
Operating Margin 21.55% 17.95% 15.09% 17.46% 29.49%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 9.0 13.8 18.5 2,799.8 9.3
PEG - Adjusted 0.2 0.5 0.0 n/a n/a
Earnings per Share Growth - Adjusted 55% 26% 9,032% -100% -22%
Dividend Cover 1.26 1.15 1.00 0.01 1.20
           
Dividend Yield 8.8% 6.3% 5.4% 3.3% 8.9%
Dividend per Share Growth 41.03% 10.38% n/a (42.39%) (21.03%)
Operating Cash Flow per Share 36.61p 21.37p 10.37p 24.28p 25.92p
Cash Incr/Decr per Share 14.37p (7.64p) (10.67p) 0.087p 9.96p
Net Asset Value per Share (exc. Intangibles) 87.37p 82.11p 82.92p 86.24p 85.84p
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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