PGH

Personal (PGH)

Company name:Personal Group Holdings Plc
EPIC:PGHTrading Currency:GBX
Market Sector:AMQ1ISIN:GB0002760279
Market Segment:ASQ1Share Type:DE
WWW Address:http://www.personal-group.com/Description:ORD 5P
Industry Sector:NONLIFE INSURANCE
 Price Price Change [%] Bid Ask Open High Low Volume
 184.00 images.advfn.com/imagesnew/2/us/down -3.0 [-1.60] 180.00 188.00 187.00 188.00 184.00 5,772
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 57.50 31.25 0.13 22.10 18.40 8.33 10.00 385.00 - 181.00

Personal Key Figures

Key Figures
(at previous day's close)
Market Cap.57.50m
Shares In Issue31.25m
Prev. Close187.00
PE Ratio8.33 
Dividend Yield10.00%
EPS - basic22.10p
Dividend PS18.40p
Dividend Cover1.20 
Cash Flow PS25.92p
Return On Equity (ROE)16.91%
Operating Margin11.96%
PEG Factor-0.38 
EPS Growth Rate-22.18%
Dividends PS Growth Rate-20.79%
Net Debt0.56m
Gross Gearing30.80%
Quick Assets36.07m
Net Working Capital19.53m
Intangibles / Fixed Assets63.43%
Turnover PS228.89p
Pre-Tax Profit PS27.38p
Retained Profit PS8.79p
Cash PS56.29p
Net Cash PS0.61p
Net Tangible Asset Value PS *85.84p
Net Asset Value PS130.48p
Spread8.00 (4.26%) 

Personal Balance Sheet

%1$s Balance Sheet
L^PGH:Liabilities+EQL^PGH:Assets

Share Price Performance

Share Price Performance
Sample Period HighLow
1 week190.00184.00
4 weeks226.00181.00
12 weeks270.00181.00
1 year385.00181.00

Share Price Chart (5 years)

Share Price Chart (5 years)

Personal Historic Returns

%1$s Historic Returns
Giorni da oggi OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week188.50-4.50-2.39184.000.01188.56
4 weeks226.00-42.00-18.58181.000.02194.17
12 weeks270.00-86.00-31.85181.000.01222.00
26 weeks330.00-146.00-44.24181.000.02274.74
1 year311.00-127.00-40.84181.000.02312.39
3 years350.00-166.00-47.43181.000.02277.26
5 years380.50-196.50-51.64181.000.02342.66

Personal Key Management Ratios

DEEPER ANALYSIS

Personal Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio5.40 
PE Ratio8.33 
Tobin's Q Ratio 1.00 
Tobin's Q Ratio (excl. intangibles)1.32 
Dividend Yield10.00%
Market-to-Book Ratio1.41 
Price-to-Pre-Tax Profit PS6.72 
Price-to-Retained Profit PS20.93 
Price-to-Cash Flow PS7.10 
Price-to-Sales PS0.80 
Price-to-Net Tangible Asset Value PS2.14 
Price-to-Cash PS3.27 
Net Working Capital PS62.50 
Price Pct to Working Capital PS2.94%
Earnings Yield12.01%
Average PE14.15 
Years in average5 
PE to PE average58.86%

Personal Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio1.81%
Debt-to-Equity Ratio0.02 
Debt-to-Equity Ratio (excl. Intgbl)0.03 
Debt-to-Equity Market Value0.01 
Net Gearing0.95%
Net Gearing (excl. Intangibles)1.24%
Gross Gearing30.80%
Gross Gearing (excl. Intangibles)40.35%
Gearing Under 1 Year29.53%
Gearing Under 1 Year (excl. Intgbl)38.68%
Assets/Equity1.45 
Cash/Equity43.14 
(Liquidity Ratios)
Net Working Capital to Total Assets33.15%
Current Ratio2.12 
Quick Ratio (Acid Test)2.07 
Liquidity Ratio1.01 
Cash & Equiv/Current Assets47.63%
(Solvency Ratios)
Enterprise Value40.66m
CFO/Sales0.11 
CFO/Attributable Profit1.17 
CFO/Assets0.14 
CFO/Debt0.45 
Total Debt/Equity Market Value0.32 
Total Debt/Sales0.25 
Total Debt/Pre-Tax Profit2.12 
Total Debt18.15m
Total Debt/Net Current Assets0.93%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs6 
Beta coefficients
Beta (60-Mnth)Beta (36-Mnth)
0.13060.0573

Personal Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)20.61%
Return On Assets (ROA)11.95%
Net Profit Margin9.64%
Assets Turnover1.24 
Return On Equity (ROE)16.91%
Return On Investment (ROI)17.21%
Dividend Payout Ratio83.26%
Plowback Ratio16.74%
Growth from Plowback Ratio2.93%
Net Income Of Revenues3.84%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.82 
Fixed Assets Turnover3.20 
Current Assets Turnover2.02 
Net Working Capital Turnover 
Inventory Turnover89.02 
(Other Operating Ratios)
Total Assets-to-Sales0.81 
Debtors-to-Sales25.89%
Debt Collection Period94.48Days

Personal Dividends

%1$s Dividends
Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
21 Sep 2021InterimGBX5.3012/31/202012/31/202109/30/202110/01/202111/05/2021-
23 Mar 2021FinalGBX5.1012/31/201912/31/202004/01/202104/06/202105/12/202118.40
13 Aug 2020InterimGBX5.9012/31/201912/31/202008/20/202008/21/202009/25/2020-
11 May 2020InterimGBX1.5012/31/201912/31/202005/21/202005/22/202006/26/2020-
13 Feb 2020InterimGBX5.9012/31/201912/31/202002/20/202002/21/202003/27/2020-
29 Oct 2019InterimGBX5.8312/31/201812/31/201911/07/201911/08/201912/13/201923.23
25 Jul 2019InterimGBX5.8312/31/201812/31/201908/08/201908/09/201909/20/2019-
30 Apr 2019InterimGBX5.8212/31/201812/31/201905/09/201905/10/201906/21/2019-
12 Feb 2019InterimGBX5.7512/31/201812/31/201902/21/201902/22/201903/29/2019-
23 Oct 2018InterimGBX5.7512/31/201712/31/201811/08/201811/09/201812/14/201823.00
30 Jul 2018InterimGBX5.7512/31/201712/31/201808/09/201808/10/201809/21/2018-
10 May 2018InterimGBX5.7512/31/201712/31/201805/17/201805/18/201806/25/2018-
07 Feb 2018InterimGBX5.7512/31/201712/31/201802/15/201802/16/201803/23/2018-
19 Oct 2017FinalGBX5.6812/31/201612/31/201711/02/201711/03/201712/14/201722.70
21 Aug 2017InterimGBX5.6712/31/201612/31/201709/07/201709/08/201709/28/2017-
23 May 2017InterimGBX5.6812/31/201612/31/201706/01/201706/02/201706/22/2017-
28 Feb 2017InterimGBX5.6812/31/201612/31/201703/09/201703/10/201703/27/2017-
15 Nov 2016FinalGBX5.5012/31/201512/31/201611/24/201611/25/201612/16/201622.00
19 Aug 2016InterimGBX5.5012/31/201512/31/201609/01/201609/02/201609/23/2016-
16 May 2016InterimGBX5.5012/31/201512/31/201606/02/201606/03/201606/24/2016-
25 Feb 2016InterimGBX5.5012/31/201512/31/201603/03/201603/04/201603/24/2016-
13 Nov 2015FinalGBX5.2312/31/201412/31/201511/26/201511/27/201512/17/201520.90
17 Aug 2015InterimGBX5.2212/31/201412/31/201509/03/201509/04/201509/24/2015-
21 May 2015InterimGBX5.2312/31/201412/31/201506/04/201506/05/201506/25/2015-
27 Feb 2015InterimGBX5.2212/31/201412/31/201503/12/201503/13/201503/27/2015-
17 Nov 2014FinalGBX4.9012/31/201312/31/201411/27/201411/28/201412/17/201419.60
21 Aug 2014InterimGBX4.9012/31/201312/31/201409/03/201409/05/201409/25/2014-
23 May 2014InterimGBX4.9012/31/201312/31/201406/04/201406/06/201406/24/2014-
20 Feb 2014InterimGBX4.9012/31/201312/31/201403/05/201403/07/201403/25/2014-
01 Nov 2013FinalGBX4.6512/31/201212/31/201311/13/201311/15/201312/18/201318.60
28 Aug 2013InterimGBX4.6512/31/201212/31/201309/04/201309/06/201309/25/2013-
29 May 2013InterimGBX4.6512/31/201212/31/201306/05/201306/07/201306/24/2013-
01 Mar 2013InterimGBX4.6512/31/201212/31/201303/13/201303/15/201304/08/2013-
15 Nov 2012FinalGBX4.4512/31/201112/31/201211/21/201211/23/201212/21/201217.80
17 Aug 2012InterimGBX4.4512/31/201112/31/201208/29/201208/31/201209/21/2012-
21 May 2012InterimGBX4.4512/31/201112/31/201205/30/201206/01/201206/22/2012-
17 Feb 2012InterimGBX4.4512/31/201112/31/201202/29/201203/02/201203/23/2012-
04 Nov 2011FinalGBX4.3512/31/201012/31/201111/16/201111/18/201112/23/201117.40
05 Aug 2011InterimGBX4.3512/31/201012/31/201108/17/201108/19/201109/23/2011-
13 May 2011InterimGBX4.3512/31/201012/31/201105/25/201105/27/201106/24/2011-
17 Feb 2011InterimGBX4.3512/31/201012/31/201102/23/201102/25/201103/31/2011-
11 Nov 2010FinalGBX4.2512/31/200912/31/201011/17/201011/19/201012/22/201017.00
18 Aug 2010InterimGBX4.2512/31/200912/31/201008/25/201008/27/201009/24/2010-
23 Feb 2010InterimGBX8.5012/31/200912/31/201003/03/201003/05/201003/19/2010-
24 Nov 2009FinalGBX4.1512/31/200812/31/200912/02/200912/04/200912/18/200916.60
26 Aug 2009InterimGBX4.1512/31/200812/31/200909/02/200909/04/200909/25/2009-
01 Jun 2009InterimGBX4.1512/31/200812/31/200906/10/200906/12/200906/26/2009-
25 Feb 2009InterimGBX4.1512/31/200812/31/200903/04/200903/06/200903/27/2009-
30 Mar 2009FinalGBX-12/31/200712/31/2008---9.20
21 Aug 2008InterimGBX3.3012/31/200712/31/200809/03/200809/05/200809/26/2008-
17 Aug 2008InterimGBX3.3012/31/200712/31/200809/03/200809/05/200809/26/2008-
12 Aug 2008InterimGBX3.3012/31/200712/31/200812/03/200812/05/200812/19/2008-
24 Sep 2007InterimGBX2.5012/30/200606/30/200710/03/200710/05/200710/24/2007-
26 Mar 2007FinalGBX3.5012/31/200512/31/200604/04/200704/10/200705/09/200711.80
25 Feb 2007InterimGBX6.0012/31/200512/31/200603/07/200703/09/200703/30/2007-
25 Sep 2006InterimGBX2.3012/30/200506/30/200610/04/200610/06/200610/24/2006-
24 Mar 2006FinalGBX3.3012/31/200412/31/200504/05/200604/07/200605/02/200611.00
24 Feb 2006InterimGBX5.5012/31/200412/31/200503/08/200603/10/200603/31/2006-
26 Sep 2005InterimGBX2.2012/30/200406/30/200510/05/200510/07/200510/24/2005-
24 Mar 2005FinalGBX3.1512/31/200312/31/200404/06/200504/08/200505/09/200510.50
24 Feb 2005InterimGBX5.2512/31/200312/31/200403/02/200503/04/200503/24/2005-
27 Sep 2004InterimGBX2.1012/30/200306/30/200410/06/200410/08/200410/25/2004-
31 Mar 2004FinalGBX3.0012/31/200212/31/200304/21/200404/23/200405/11/200410.00
25 Feb 2004InterimGBX5.0012/31/200212/31/200303/03/200403/05/200403/24/2004-
29 Sep 2003InterimGBX2.0012/31/200212/31/200310/08/200310/10/200311/29/2003-
24 Mar 2003FinalGBX2.3512/31/200112/31/200204/20/200304/22/200305/07/20038.00
26 Feb 2003InterimGBX3.8512/31/200112/31/200203/05/200303/07/200303/26/2003-
23 Sep 2002InterimGBX1.8012/31/200112/31/200210/02/200210/04/200210/30/2002-
27 Mar 2002FinalGBX2.0512/31/200012/31/200104/10/200204/12/200205/01/20027.00
27 Feb 2002InterimGBX3.3012/31/200012/31/200103/06/200203/08/200203/27/2002-
25 Sep 2001InterimGBX1.6512/31/200012/31/200110/03/200110/05/200110/31/2001-
28 Mar 2001FinalGBX1.6512/31/199912/31/200004/11/200104/17/200104/30/20014.95

Personal Fundamentals

Profit and Loss Account
 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
turnover45.23100.00%55.35100.00%70.89100.00%71.52100.00%m
pre tax profit9.5121.02%10.2118.45%10.4914.79%8.5611.96%m
attributable profit8.2618.27%8.3915.16%8.8412.47%6.899.64%m
retained profit1.282.84%1.302.36%1.592.25%2.753.84%m
eps - basic (p)26.90 27.20 28.40 22.10 
eps - diluted (p)26.40 27.20 28.40 22.10 
dividends per share22.70 23.00 23.23 18.40 

Personal Balance Sheet

Balance Sheet
 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
L^PGH:Liabilities+EQL^PGH:AssetsL^PGH:Liabilities+EQL^PGH:AssetsL^PGH:Liabilities+EQL^PGH:AssetsL^PGH:Liabilities+EQL^PGH:Assets
 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
ASSETS
fixed assets fixed assets4.759.58%6.0411.54%5.9810.60%5.469.26%m
intangibles intangibles11.5623.32%11.0821.16%14.0024.80%13.9523.68%m
fixed investments fixed investments5.4410.97%2.855.44%2.694.76%2.594.39%m
current assets - other current assets - other--%--%--%--%m
stocks stocks0.561.13%0.641.23%0.751.32%0.861.46%m
debtors debtors14.6229.49%16.5831.68%18.5532.87%18.4831.36%m
cash & securities cash & securities12.6425.50%15.1528.94%14.4825.65%17.5929.85%m
TOTAL49.57100%52.34100%56.44100%58.92100%m
LIABILITIES
creditors - short creditors - short15.7931.86%16.5831.68%17.8331.59%17.4029.53%m
creditors - long creditors - long0.020.04%0.460.88%0.591.05%0.751.27%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL15.8131.90%17.0432.56%18.4232.64%18.1530.80%m
EQUITY
ord cap, reserves ord cap, reserves33.7668.10%35.3067.44%38.0267.36%40.7769.20%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL33.7668.10%35.3067.44%38.0267.36%40.7769.20%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Personal Cash Flow Statement

%1$s Cash Flow Statement
31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
Operating CF9.938.338.678.10m
Pre-Financing CF12.449.925.707.77m
Retained CF5.442.51-0.673.11m

Personal Brokers

%1$s Brokers
NameActivityTypeMnemonicCode
Cenkos Securities PlcMarket Maker(MME)Broker/DealerCNKSCNKOGB21
Panmure Gordon (UK) LimitedMarket Maker(MME)Broker/DealerPMURPMURGB2L
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC


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