Personal Group Holdings Plc

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 Offer Open High Low Volume
 339.00 images.advfn.com/imagesnew/2/gb/down -1.0 [-0.29] 334.00 344.00 340.00 340.00 339.00 2,094
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 103.71 30.59 -0.17 27.20 23.00 12.46 6.78 477.00 - 334.00

Personal Key Figures

(at previous day's close)
Market Cap.103.71m
Shares In Issue30.59m
Prev. Close340.00
PE Ratio12.46 
Dividend Yield6.78%
EPS - basic27.20p
Dividend PS23.00p
Dividend Cover1.18 
Cash Flow PS27.21p
Return On Equity (ROE)23.77%
Operating Margin18.45%
PEG Factor11.18 
EPS Growth Rate1.12%
Dividends PS Growth Rate1.32%
Net Debt1.89m
Gross Gearing32.56%
Quick Assets31.73m
Net Working Capital15.79m
Intangibles / Fixed Assets55.48%
Turnover PS180.91p
Pre-Tax Profit PS33.37p
Retained Profit PS4.26p
Cash PS49.51p
Net Cash PS-4.69p
Net Tangible Asset Value PS *79.17p
Net Asset Value PS115.37p
Spread10.00 (2.91%) 

Personal Balance Sheet

LSE:PGH:Liabilities+EQLSE:PGH:Assets

Share Price Performance

Sample Period HighLow
1 week350.00339.00
4 weeks350.00336.00
12 weeks377.00336.00
1 year477.00334.00

Share Price Chart (5 years)

Personal Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week350.00-11.00-3.14339.000.01343.59
4 weeks339.00--336.000.01343.24
12 weeks365.00-26.00-7.12336.000.02348.38
26 weeks475.00-136.00-28.63336.000.02371.85
1 year448.00-109.00-24.33334.000.02390.64
3 years377.50-38.50-10.20272.500.02407.25
5 years475.00-136.00-28.63272.500.02452.83

Personal Key Management Ratios

Personal Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio8.96 
PE Ratio12.46 
Tobin's Q Ratio 2.04 
Tobin's Q Ratio (excl. intangibles)2.62 
Dividend Yield6.78%
Market-to-Book Ratio2.94 
Price-to-Pre-Tax Profit PS10.16 
Price-to-Retained Profit PS79.54 
Price-to-Cash Flow PS12.46 
Price-to-Sales PS1.87 
Price-to-Net Tangible Asset Value PS4.28 
Price-to-Cash PS6.85 
Net Working Capital PS51.61 
Price Pct to Working Capital PS6.57%
Earnings Yield8.02%
Average PE17.66 
Years in average5 
PE to PE average70.58%

Personal Financial Ratios

(Leverage Ratios)
Debt Ratio1.28%
Debt-to-Equity Ratio0.01 
Debt-to-Equity Ratio (excl. Intgbl)0.02 
Debt-to-Equity Market Value0.00 
Net Gearing3.62%
Net Gearing (excl. Intangibles)4.59%
Gross Gearing32.56%
Gross Gearing (excl. Intangibles)41.30%
Gearing Under 1 Year31.68%
Gearing Under 1 Year (excl. Intgbl)40.19%
Assets/Equity1.48 
Cash/Equity42.92 
(Liquidity Ratios)
Net Working Capital to Total Assets30.17%
Current Ratio1.95 
Quick Ratio (Acid Test)1.91 
Liquidity Ratio0.91 
Cash & Equiv/Current Assets46.79%
(Solvency Ratios)
Enterprise Value89.02m
CFO/Sales0.15 
CFO/Attributable Profit0.99 
CFO/Assets0.16 
CFO/Debt0.49 
Total Debt/Equity Market Value0.16 
Total Debt/Sales0.31 
Total Debt/Pre-Tax Profit1.67 
Total Debt17.04m
Total Debt/Net Current Assets1.08%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth4.41%
5 yr Compound Earnings Growth1.62%
10 yr Compound Earnings Growth9.38%
Earn drops > 5% in 10yrs5 
Beta (60-Mnth)Beta (36-Mnth)
-0.16710.1347

Personal Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)28.56%
Return On Assets (ROA)16.47%
Net Profit Margin15.16%
Assets Turnover1.09 
Return On Equity (ROE)23.77%
Return On Investment (ROI)24.14%
Dividend Payout Ratio84.56%
Plowback Ratio15.44%
Growth from Plowback Ratio3.75%
Net Income Of Revenues2.36%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.60 
Fixed Assets Turnover2.65 
Current Assets Turnover1.84 
Net Working Capital Turnover 
Inventory Turnover92.01 
(Other Operating Ratios)
Total Assets-to-Sales0.92 
Debtors-to-Sales28.19%
Debt Collection Period102.88Days

Personal Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
25 Jul 2019InterimGBX5.8331/12/201831/12/201908/08/201909/08/201920/09/2019-
30 Apr 2019InterimGBX5.8231/12/201831/12/201909/05/201910/05/201921/06/2019-
12 Feb 2019InterimGBX5.7531/12/201831/12/201921/02/201922/02/201929/03/2019-
23 Oct 2018InterimGBX5.7531/12/201731/12/201808/11/201809/11/201814/12/201823.00
30 Jul 2018InterimGBX5.7531/12/201731/12/201809/08/201810/08/201821/09/2018-
10 May 2018InterimGBX5.7531/12/201731/12/201817/05/201818/05/201825/06/2018-
07 Feb 2018InterimGBX5.7531/12/201731/12/201815/02/201816/02/201823/03/2018-
19 Oct 2017FinalGBX5.6831/12/201631/12/201702/11/201703/11/201714/12/201722.70
21 Aug 2017InterimGBX5.6731/12/201631/12/201707/09/201708/09/201728/09/2017-
23 May 2017InterimGBX5.6831/12/201631/12/201701/06/201702/06/201722/06/2017-
28 Feb 2017InterimGBX5.6831/12/201631/12/201709/03/201710/03/201727/03/2017-
15 Nov 2016FinalGBX5.5031/12/201531/12/201624/11/201625/11/201616/12/201622.00
19 Aug 2016InterimGBX5.5031/12/201531/12/201601/09/201602/09/201623/09/2016-
16 May 2016InterimGBX5.5031/12/201531/12/201602/06/201603/06/201624/06/2016-
25 Feb 2016InterimGBX5.5031/12/201531/12/201603/03/201604/03/201624/03/2016-
13 Nov 2015FinalGBX5.2331/12/201431/12/201526/11/201527/11/201517/12/201520.90
17 Aug 2015InterimGBX5.2231/12/201431/12/201503/09/201504/09/201524/09/2015-
21 May 2015InterimGBX5.2331/12/201431/12/201504/06/201505/06/201525/06/2015-
27 Feb 2015InterimGBX5.2231/12/201431/12/201512/03/201513/03/201527/03/2015-
17 Nov 2014FinalGBX4.9031/12/201331/12/201427/11/201428/11/201417/12/201419.60
21 Aug 2014InterimGBX4.9031/12/201331/12/201403/09/201405/09/201425/09/2014-
23 May 2014InterimGBX4.9031/12/201331/12/201404/06/201406/06/201424/06/2014-
20 Feb 2014InterimGBX4.9031/12/201331/12/201405/03/201407/03/201425/03/2014-
01 Nov 2013FinalGBX4.6531/12/201231/12/201313/11/201315/11/201318/12/201318.60
28 Aug 2013InterimGBX4.6531/12/201231/12/201304/09/201306/09/201325/09/2013-
29 May 2013InterimGBX4.6531/12/201231/12/201305/06/201307/06/201324/06/2013-
01 Mar 2013InterimGBX4.6531/12/201231/12/201313/03/201315/03/201308/04/2013-
15 Nov 2012FinalGBX4.4531/12/201131/12/201221/11/201223/11/201221/12/201217.80
17 Aug 2012InterimGBX4.4531/12/201131/12/201229/08/201231/08/201221/09/2012-
21 May 2012InterimGBX4.4531/12/201131/12/201230/05/201201/06/201222/06/2012-
17 Feb 2012InterimGBX4.4531/12/201131/12/201229/02/201202/03/201223/03/2012-
04 Nov 2011FinalGBX4.3531/12/201031/12/201116/11/201118/11/201123/12/201117.40
05 Aug 2011InterimGBX4.3531/12/201031/12/201117/08/201119/08/201123/09/2011-
13 May 2011InterimGBX4.3531/12/201031/12/201125/05/201127/05/201124/06/2011-
17 Feb 2011InterimGBX4.3531/12/201031/12/201123/02/201125/02/201131/03/2011-
11 Nov 2010FinalGBX4.2531/12/200931/12/201017/11/201019/11/201022/12/201017.00
18 Aug 2010InterimGBX4.2531/12/200931/12/201025/08/201027/08/201024/09/2010-
23 Feb 2010InterimGBX8.5031/12/200931/12/201003/03/201005/03/201019/03/2010-
24 Nov 2009FinalGBX4.1531/12/200831/12/200902/12/200904/12/200918/12/200916.60
26 Aug 2009InterimGBX4.1531/12/200831/12/200902/09/200904/09/200925/09/2009-
01 Jun 2009InterimGBX4.1531/12/200831/12/200910/06/200912/06/200926/06/2009-
25 Feb 2009InterimGBX4.1531/12/200831/12/200904/03/200906/03/200927/03/2009-
30 Mar 2009FinalGBX-31/12/200731/12/2008---9.20
21 Aug 2008InterimGBX3.3031/12/200731/12/200803/09/200805/09/200826/09/2008-
17 Aug 2008InterimGBX3.3031/12/200731/12/200803/09/200805/09/200826/09/2008-
12 Aug 2008InterimGBX3.3031/12/200731/12/200803/12/200805/12/200819/12/2008-
24 Sep 2007InterimGBX2.5030/12/200630/06/200703/10/200705/10/200724/10/2007-
26 Mar 2007FinalGBX3.5031/12/200531/12/200604/04/200710/04/200709/05/200711.80
25 Feb 2007InterimGBX6.0031/12/200531/12/200607/03/200709/03/200730/03/2007-
25 Sep 2006InterimGBX2.3030/12/200530/06/200604/10/200606/10/200624/10/2006-
24 Mar 2006FinalGBX3.3031/12/200431/12/200505/04/200607/04/200602/05/200611.00
24 Feb 2006InterimGBX5.5031/12/200431/12/200508/03/200610/03/200631/03/2006-
26 Sep 2005InterimGBX2.2030/12/200430/06/200505/10/200507/10/200524/10/2005-
24 Mar 2005FinalGBX3.1531/12/200331/12/200406/04/200508/04/200509/05/200510.50
24 Feb 2005InterimGBX5.2531/12/200331/12/200402/03/200504/03/200524/03/2005-
27 Sep 2004InterimGBX2.1030/12/200330/06/200406/10/200408/10/200425/10/2004-
31 Mar 2004FinalGBX3.0031/12/200231/12/200321/04/200423/04/200411/05/200410.00
25 Feb 2004InterimGBX5.0031/12/200231/12/200303/03/200405/03/200424/03/2004-
29 Sep 2003InterimGBX2.0031/12/200231/12/200308/10/200310/10/200329/11/2003-
24 Mar 2003FinalGBX2.3531/12/200131/12/200220/04/200322/04/200307/05/20038.00
26 Feb 2003InterimGBX3.8531/12/200131/12/200205/03/200307/03/200326/03/2003-
23 Sep 2002InterimGBX1.8031/12/200131/12/200202/10/200204/10/200230/10/2002-
27 Mar 2002FinalGBX2.0531/12/200031/12/200110/04/200212/04/200201/05/20027.00
27 Feb 2002InterimGBX3.3031/12/200031/12/200106/03/200208/03/200227/03/2002-
25 Sep 2001InterimGBX1.6531/12/200031/12/200103/10/200105/10/200131/10/2001-
28 Mar 2001FinalGBX1.6531/12/199931/12/200011/04/200117/04/200130/04/20014.95

Personal Fundamentals

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
turnover59.56100.00%53.62100.00%45.23100.00%55.35100.00%m
pre tax profit10.4517.54%10.5219.62%9.5121.02%10.2118.45%m
attributable profit9.3015.62%7.2813.58%8.2618.27%8.3915.16%m
retained profit2.985.00%0.591.09%1.282.84%1.302.36%m
eps - basic (p)30.80 23.90 26.90 27.20 
eps - diluted (p)28.50 23.40 26.40 27.20 
dividends per share20.90 22.00 22.70 23.00 

Personal Balance Sheet

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
LSE:PGH:Liabilities+EQLSE:PGH:AssetsLSE:PGH:Liabilities+EQLSE:PGH:AssetsLSE:PGH:Liabilities+EQLSE:PGH:AssetsLSE:PGH:Liabilities+EQLSE:PGH:Assets
 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
ASSETS
fixed assets fixed assets5.018.80%5.109.59%4.759.58%6.0411.54%m
intangibles intangibles11.9420.98%12.0522.68%11.5623.32%11.0821.16%m
fixed investments fixed investments11.2119.70%8.1615.35%5.4410.97%2.855.44%m
current assets - other current assets - other--%--%--%--%m
stocks stocks0.390.69%0.430.81%0.561.13%0.641.23%m
debtors debtors22.7640.00%20.2038.02%14.6229.49%16.5831.68%m
cash & securities cash & securities5.599.83%7.2113.56%12.6425.50%15.1528.94%m
TOTAL56.88100%53.14100%49.57100%52.34100%m
LIABILITIES
creditors - short creditors - short25.0243.99%20.8239.17%15.7931.86%16.5831.68%m
creditors - long creditors - long--%--%0.020.04%0.460.88%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL25.0243.99%20.8239.17%15.8131.90%17.0432.56%m
EQUITY
ord cap, reserves ord cap, reserves31.8656.01%32.3360.83%33.7668.10%35.3067.44%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL31.8656.01%32.3360.83%33.7668.10%35.3067.44%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Personal Cash Flow Statement

31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
Operating CF7.156.409.938.33m
Pre-Financing CF8.808.2912.449.92m
Retained CF1.161.625.442.51m

Personal Brokers

NameActivityTypeMnemonicCode
Cenkos Securities PlcMarket Maker(MME)Broker/DealerCNKSCNKOGB21
Panmure Gordon (UK) LimitedMarket Maker(MME)Broker/DealerPMURPMURGB2L
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
Your Recent History
LSE
PGH
Personal
Register now to watch these stocks streaming on the ADVFN Monitor.

Monitor lets you view up to 110 of your favourite stocks at once and is completely free to use.

NYSE, AMEX, and ASX quotes are delayed by at least 20 minutes.
All other quotes are delayed by at least 15 minutes unless otherwise stated.

By accessing the services available at ADVFN you are agreeing to be bound by ADVFN's Terms & Conditions

P: V:gb D:20191210 11:52:45