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
  -3.00 -1.33% 223.00 24,319 13:45:50
Bid Price Offer Price High Price Low Price Open Price
218.00 228.00 231.00 221.00 221.00
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Nonlife Insurance 70.89 10.49 28.40 7.9 68
Last Trade Time Trade Type Trade Size Trade Price Currency
14:05:30 O 1,340 223.50 GBX

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Date Time Title Posts
14/2/202111:31Personal Group - 120p and yielding nearly 7%225

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Personal Daily Update: Personal Group Holdings Plc is listed in the Nonlife Insurance sector of the London Stock Exchange with ticker PGH. The last closing price for Personal was 226p.
Personal Group Holdings Plc has a 4 week average price of 213p and a 12 week average price of 198p.
The 1 year high share price is 400p while the 1 year low share price is currently 195p.
There are currently 30,594,098 shares in issue and the average daily traded volume is 25,919 shares. The market capitalisation of Personal Group Holdings Plc is £68,224,838.54.
jimtech: Have just completed my trawl of AIM stocks and PGH are still looking extremely attractive and the most under valued in my portfolio IMHO. Their trading updates suggests there is a negative COVID impact but that it is not significant (IMHO). I bought in at 214 - does anyone have any reason why I should NOT buy more?
cordwainer: Market is focusing on the immediate backward-looking comparatives at the open today, yet consistently overlooking the forward-looking opportunities. Outsourcing to PGH's services makes a lot of sense for many employers where employee care is often a piecemeal afterthought. If PGH can get customer and end-user satisfaction with a somewhat unionised Royal Mail it can handle anything.
asagi: don't think the market liked this bit: "With further Government lockdowns ongoing, 2021 is expected to see a more significant financial impact on both income and profit as the ongoing restrictions reduce the ability to write new insurance sales and the historic impact from 2020 flows through." hTTps:// Asagi (long PGH)
eezymunny: The thing is sniffer all that is largely irrelevant. Any share should be valued on the discounted sum of it´s future cash flows. PGH may well have a lean spell for a year or two, but you must consider what comes after that in order to value the shares. If profits go 10m (last year) to zero (this year) then continue at 10m pa into the future after that, you should just knock off a bit less than 1 from your PE based valuation. The EV is less than 50m here, which is very cheap if profits bounce back to 10m pa after a lean spell. The downside is if profits don´t bounce back...
sphere25: Really bad but this time around others had issues too: "Investors have been left furious at missing out on the chance to trade after online share dealing platforms struggled to cope with demand as stock markets soared on Covid-19 vaccine hope. Customers of Hargreaves Lansdown, Fidelity, AJ Bell and iWeb tweeted their complaints, having been left without access to their investment accounts as technical issues dogged the platforms." This was brutal because we know the covid speculative bubble in the likes of AVCT etc were massively overcrowded so there must have been some nightmare stories about trying to log into the platform let alone actually get out of the shares. Just feels like abit of a lottery at times going into these very volatile patches. Clearly the market is lovely atm but in the future, more difficult times will arise so despite the euphoria out there, have to be incredibly careful to not leverage up and go absolutely gung ho at times too.
sphere25: Not familiar with this one, but going through today's news, it looks interesting. Market cap £63m The balance sheet is very clean and tidy with a hefty cash figure of £19m. Operating cash flow of £8.7m last year and £8.3m the year before, the bulk of which flows through to free cash flow allowing very generous dividend payments. More a steady eddie on the growth front but robust recurring revenue and still comfortable in paying a dividend. Clearly being held back by the outlook: "Despite the strong start to 2020, the second half will not be without its challenges. As alluded to above, the inability to write new insurance sales during lockdown will impact premiums in H2 2020 and 2021 in the insurance business. Looking forward into the latter part of 2020 and 2021 the Company, like many UK businesses, may be impacted by a recession following lockdown." Director buying today which isn't enormous but a possible bullish signal. Currently have sellers in size just under 206 preventing any break higher. Naturally the question here is at what point does the market stop looking at the present and near term, and begin to price in a recovery like the bulk of the wider market? More of a short term vs longer term struggle here than other companies judging by the price action. Sometimes it can just be a case of the illiquidity in finding buyers in size (having to drag the price down to anomalous levels) to offset the sellers as per MCL recently, where you then end up with a ferocious rally and re-rating once the sellers are cleared. It's on the watchlist now. Unsure if it makes a new low first due to the illiquidity or whether the bottom is in here. All imo DYOR
smithless: Don't think paying a final dividend at its current share price (yield of 10%) is the best use of cash. Better off buying back shares at depressed levels. As for your other points re news and regs. Subjective and seen no evidence to the contrary
sniffer5: The question is whether the dividends are sustainable going forwards? I very much doubt it - which is possibly why they have delayed Q4's dividend and reverted to dividend payments twice a year. I see the shares are down another 9p (4.41%) in trading this morning. Unfortunately this is a company always eager to announce good news but less willing to share the not so good. Assuming that there are no regulatory issues or concerns(particularly around the FCAs Fair Value assessments of their cover) - then they may be getting close to bottoming out.
sniffer5: Share price is back down to where it was in 2004. In 2004 they made a pre-tax profit of £6.17m and had significant prospects for growth and acquisitions. The prospects looking ahead to 2021 and beyond are completely different: turnover of their core insurance business is likely to be falling fast due to Covid restictions; they face much greater competition in the employee benefits market; they have failed to fulfil the potential of any acquisitions; and they face much greater regulatory scrutiny Can they get back to any semblance of growth over the next couple of years? I very much doubt it!
sniffer5: Shares down again today to a 15 year low. Fortunately, I sold my last remaining shares a few months back but had been thinking of buying again – but was spooked by the announcement below. “The Company has been informed by Ken Rooney, Non-Executive Director & Deputy Chairman, that he had sold, on 6 November 2020, 3,551 ordinary shares of 5 pence each in the Company at a price of £2.15 per share from his holding in the Company's Inland Revenue approved Employee Share Ownership Plan. Following this transaction, Mr Rooney no longer has any interest in Personal Group's ordinary shares.” Why would the ex Managing Director and current non-exec deputy chairman be selling all of his shares at £2.15? Hardly a vote of confidence! What does he know that we ordinary investors don’t??
Personal share price data is direct from the London Stock Exchange
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