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| Share Name | Share Symbol | Market | Type | Share ISIN | Share Description |
|---|---|---|---|---|---|
| Personal Group Holdings Plc | LSE:PGH | London | Ordinary Share | GB0002760279 | ORD 5P |
| Price Change | % Change | Share Price | Shares Traded | Last Trade
|
|
|---|---|---|---|---|---|
| 0.00 | 0.00% | 161.50 | 15,000 | 08:00:00 |
| Bid Price | Offer Price | High Price | Low Price | Open Price | |
|---|---|---|---|---|---|
| 158.00 | 165.00 | 161.50 | 161.50 | 161.50 | |
| Industry Sector | Turnover | Profit | EPS - Basic | PE Ratio | Market Cap |
|---|---|---|---|---|---|
| Insurance Carriers, Nec | 49.85M | 4.32M | 0.1385 | 11.66 | 50.44M |
| Last Trade Time | Trade Type | Trade Size | Trade Price | Currency |
|---|---|---|---|---|
| 09:46:35 | O | 10,000 | 162.50 | GBX |
| Date | Time | Source | Headline |
|---|---|---|---|
| 22/4/2024 | 07:00 | UK RNS | Personal Group Holdings PLC Purchase of shares by Employee Benefit Trust |
| 18/4/2024 | 14:56 | UK RNS | Personal Group Holdings PLC Purchase of shares by Employee Benefit Trust |
| 11/4/2024 | 09:28 | UK RNS | Personal Group Holdings PLC Director/PDMR Shareholding |
| 05/4/2024 | 11:00 | UK RNS | Personal Group Holdings PLC Notice of AGM |
| 05/4/2024 | 07:00 | UK RNS | Personal Group Holdings PLC Grant of LTIP & CSOP Options |
| 20/3/2024 | 08:00 | UK RNS | Personal Group Holdings PLC Replacement:Preliminary Results and Final.. |
| 19/3/2024 | 12:17 | ALNC |  Personal Group swings to profit and keeps revenue steady; ups dividend |
| 19/3/2024 | 07:01 | UK RNS | Personal Group Holdings PLC Global Airline Selects Personal Group |
| 19/3/2024 | 07:00 | UK RNS | Personal Group Holdings PLC Preliminary Results and Final Dividend |
| 14/3/2024 | 07:00 | UK RNS | Personal Group Holdings PLC Notice of Results Presentations |
Personal (PGH) Share Charts1 Year Personal Chart |
|
1 Month Personal Chart |
Intraday Personal Chart |
| Date | Time | Title | Posts |
|---|---|---|---|
| 15/4/2024 | 21:03 | Personal Group - 120p and yielding nearly 7% | 356 |
| Trade Time | Trade Price | Trade Size | Trade Value | Trade Type |
|---|---|---|---|---|
| 10:02:12 | 162.50 | 10,000 | 16,250.00 | O |
| 09:46:35 | 162.50 | 5,000 | 8,125.00 | O |
| 2024-04-24 16:16:34 | 162.50 | 5,000 | 8,125.00 | O |
| 2024-04-24 16:15:00 | 161.00 | 40,000 | 64,400.00 | O |
| 2024-04-24 16:15:00 | 160.00 | 24,250 | 38,800.00 | O |
| Top Posts |
|---|
Posted at 25/4/2024 09:20 by Personal Daily Update Personal Group Holdings Plc is listed in the Insurance Carriers, Nec sector of the London Stock Exchange with ticker PGH. The last closing price for Personal was 161.50p.Personal currently has 31,230,807 shares in issue. The market capitalisation of Personal is £50,437,753. Personal has a price to earnings ratio (PE ratio) of 11.66. This morning PGH shares opened at 161.50p |
Posted at 15/4/2024 21:03 by tnt99 This share price still has covid all over it but results are on the way up |
Posted at 25/3/2024 12:14 by dartron Presentation was a little lacking I felt. After 7 months, still working on strategy. Seems very little momentum left by last CEO. Nothing major announced, their still thinking about it. Perhaps reading in between the lines, last CEO left little in the way of a positive legacy, and new CEO has been dealing with that. I did pick up on a few comments hinting at that. I am happy to give her more time to prove herself, but still not fully convinced much is going to change here. Ideally I would like some tangible strategy announced for growth, and to see some commitment from the board in terms of share buys. To be fair to CFO & CCO, they have been buying through the share plan and probably are under water. However CEO was granted best part of 500k options on joining which doesn't feel like much skin in the game. Having looked through the last annual report, the previous board were expensive for what they delivered. Lets hope Paula can deliver some growth here. I specifically mention growth as I think the business can tick along under its own steam, as last CEO has proved. I shall collect the income for now, but really I am looking for some growth, and or possibly a take out noting the founder still owns 30%.Sound quality was poor, should have read out each question regardless of whether she thought she had answered it, suggest CEO watching a few other investor meets to see what works. THRL was very polished recently or TIG did a nice Q&A. |
Posted at 19/3/2024 12:31 by quepassa House-broker, Cavendish Financial issue Company Flash update this morning, headed:-"Now to capitalise on significant opportunity". Cavendish maintain their TARGET PRICE of 240p , representing 45% UPSIDE from yesterday's closing price. all imo. dyor. qp |
Posted at 19/3/2024 09:11 by tradersof2003 @quepassaSo price eps ratio goes to just 7.2 for a business that just grew revenues 17% adj. |
Posted at 19/3/2024 07:48 by pireric I totally agree in principle. Although I'm not going to blame PGH as almost every company in the world uses management consultants, hence why the MC industry is so hugeEric |
Posted at 19/3/2024 07:21 by pireric Good results, small Innecto division with a meaningful contract win. Adj. EBITDA £8.1m vs. approx £8m from the trading update. 11.7p dividend for the overall year. Ex dividend for 5.85p is next ThursdayI think what investors need to cotton onto is the growth in the business excluding Let's Connect in the year, which had the contract loss that drops out as a headwind this year. Revenues were up 17% on this basis. I think it's entirely possible 2024 growth could at bare minimum be 7-8% come the end of the year. >£20m net cash balance as per usual (well in excess of any required solvency thresholds but is a huge chunk of the EV). Trough P/E multiple (and 6x ex cash) completely at odds of where the business is at. I suspect this will mark the start of a meaningful share price recovery "Confidence across the Group is high for 2024 and the Group is well-placed to deliver further growth with an increasing proportion of recurring revenue and a strong balance sheet. Trading has continued positively into the first quarter, reinforced by the renewal of the contract with Royal Mail Group, securing the provision of insurance cash plans via face-to-face road show visits, and the signing of a significant contract for the Pay & Reward division with a global airline." Eric |
Posted at 01/3/2024 09:50 by quepassa Welcome jump in share price today.Just for the record, in its recent 25/1/24 Company Flash Update house broker Cavendish gave a Target price of 240p for PG. That's pointing to approx. 50% upside from today's price. Personal's burgeoning insurance business is not to be underestimated. ALL IMO. DYOR. QP |
Posted at 27/2/2024 10:13 by brianblu On my watchlist Pgh good update but gets cheaper mmm nice divi also |
Posted at 10/2/2024 11:45 by pireric Here were my starting thoughts, PGH:164.5p mid-price £51.4m market cap, £20.1m net cash £30.3m enterprise value - £49m of revenue excluding voucher pass-through revenue - Between 2013 and 2022, traded on an average forward P/E of around 17x. Currently down to only 10.3x P/E. The only time it has ever been below 10x was during the GFC, and then momentarily at the lows last year - On an ex-cash basis, down to just 6.1x P/E - EPS still in recovery mode, but should be on a strong forward growth path now. 14.3p forecast for last year, 16.0p forecast for this year (suspect it could/should be higher). 2019 EPS was 28.4p so still a long way short of pre-COVID levels (taking time for new written premium benefits to filter through against the investment put in). No change to the share count. - Founder Christopher Johnston at a 36% holding remains a large aligned shareholder. Probably leads to M&A at the relevant point in time in the future/not too distant future. I make it that he is getting on towards being 80. - CEO strategy review comes at a time when the business is showing good underlying momentum, and will probably be focused on driving profitability increases on the insurance side, potentially better monetising voucher pass through, and putting more focus on how to increasingly quickly scale the employee benefits platform opportunity. - Underlying revenue growth (Excluding vouchers) impacted in 2023 by Let's Connect -£6m, but this headwind drops back from 2024 so the underlying business should now start accelerating. - "Recurring revenue" > 75% of the group revenue mix Affordable Insurance business - Personal Group's bedrock and has been pretty consistent over time - Post sales force investment, now hitting new annualised premium signed records; £11.8m in FY23, up materially from £9.5m in 2022 and rebounding well from £3.7m in 2021, £2.4m in 2020. Comfortably above 2 years in a row vs. the £9.0m of 2019. - Claims rates c. 27% above pre-COVID levels of 23-24%, but not something expected to revert soon. And frankly not a huge issue. Employee Benefits platform business - High quality platform revenue, through direct and indirect channel (Sage). Sage's own growth has really picked up in recent years. Surely possible that they look at the employee benefits platform they are currently whitelabelling and consider taking it out at some point in the future. - Increased to 12% or so revenue share of the group excluding voucher sales passthrough. - What value do you put on these software benefits platforms which are still growing >20% p.a. (may become mid/high teens %) with total ARR of £6.1m? And where the Benefits platform makes 60% EBITDA margins (minus intercompany)? You could easily argue 5-7x trailing ARR, which would be equal to or more than the enterprise value of the company itself - Cavendish flag that the Sage Employee Benefits penetration of Sage's own customer base is still less than 1%. - Hapi 2.0 and Sage Employee Benefits 2.0 look like they are available now for general adoption. Probably some migration to be worked through, but you can e.g. see their app store availability already: Valuation - On the more simplistic lens, with all the momentum in the business, and with the business quality actually improving, why couldn't this get back to say 14-15x P/E compared to the 10.3x it is at today? 14x would be 36% upside and would imply an ex-cash P/E of still <10x. It would be 224p, and you'd receive a 7% dividend return too, so we're talking 43% total returns. - Dividend yield is 7.1% at these levels, so paid to wait, and that's fully covered by earnings. Low capex, low working capital business model - This is a business that is capable without any growth of generating £6m+ of free cash per annum, so on an enterprise value basis, it's generating a 20% free cash flow yield which is extremely high. - NED bought £24k in mid January, £10k in December - If you wanted to be creatively bullish, you'd put the employee benefits platform business on a chunky ARR multiple, the rest of the business on a normal multiple, and then value the cash bridge separately. I won't do that, but you can easily get very very materially higher than £51m. Outlook - "Trading in the first few weeks of 2024 has been positive, reinforcing confidence in ongoing delivery moving forward." - "Confidence across the Company is high for 2024 and the Group is well-placed to deliver ongoing growth acceleration." Eric |
Posted at 02/1/2024 10:24 by quepassa Off the radar.STRONG INTERIM RESULTS which saw the interim dividend increased by 10%. If the final dividend is equally increased by 10% which seems a reasonable possibility, this would mean a full year divi of 11.7p ( 5.85p increased interim plus prospective 5.85p final), the yield is currently 6.3% . Not many AIM shares have a prospective yield of 6.3%. Moreover, they have an extremely robust history and track record of paying shareholder dividends. Strong Outlook. With a new CEO and £21million cash versus market cap of just £58million combined with high dividend, PGH would appear to have a lot of positives going for it. ALL IMO. DYOR. QP |
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