Highlights
- Market Cap
- £117.36M
- Enterprise Value
- £92.35M
- EPS (TTM)
- £0.38
- PE Ratio
- 9.22
- PEG Ratio
- 1.20
- Total Revenue (TTM)
- £92.11M
- Gross Profit (TTM)
- £68.84M
- EBITDA (TTM)
- £18.39M
- Year Range
- £2.16 - £4.04
- ROA (TTM)
- 21.99%
- ROE (TTM)
- 34.27%
Share Price Chart
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Performance
Performance Chart
The chart shows the growth of an initial investment of £10,000 in Personal Group Holdings PLC, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Different Benchmark Currency
PGH.L is traded in GBp, while the ^GSPC benchmark is in USD. To make them comparable, the benchmark values have been converted to GBp using the latest available exchange rates.
Returns By Period
Personal Group Holdings PLC (PGH.L) has returned 12.78% so far this year and 47.88% over the past 12 months. Over the last ten years, PGH.L has returned 0.81% per year, falling short of the S&P 500 Index benchmark, which averaged 12.98% annually.
Personal Group Holdings PLC
- 1D
- 0.86%
- 1M
- 13.50%
- YTD
- 12.78%
- 6M
- 7.62%
- 1Y
- 47.88%
- 3Y*
- 27.78%
- 5Y*
- 13.34%
- 10Y*
- 0.81%
Benchmark (S&P 500 Index)
- 1D
- 2.61%
- 1M
- -3.22%
- YTD
- -2.82%
- 6M
- -0.72%
- 1Y
- 13.66%
- 3Y*
- 14.01%
- 5Y*
- 11.18%
- 10Y*
- 12.98%
Monthly Returns
Based on dividend-adjusted daily data since Nov 27, 2000, PGH.L's average daily return is +0.07%, while the average monthly return is +1.26%. At this rate, your investment would double in approximately 4.6 years.
Historically, 53% of months were positive and 47% were negative. The best month was Mar 2002 with a return of +54.4%, while the worst month was Mar 2020 at -33.4%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 12 months.
On a daily basis, PGH.L closed higher 36% of trading days. The best single day was Mar 11, 2002 with a return of +23.4%, while the worst single day was Mar 18, 2020 at -13.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.71% | -6.89% | 13.50% | 12.78% | |||||||||
| 2025 | 9.09% | 8.33% | 15.38% | 3.37% | 17.79% | -0.00% | 10.74% | 12.73% | -9.60% | 0.00% | 1.52% | -6.01% | 78.80% |
| 2024 | -3.24% | -13.97% | 9.65% | -0.31% | 9.54% | -3.37% | -5.23% | -1.23% | 3.42% | 17.35% | -0.00% | -0.53% | 8.83% |
| 2023 | 7.65% | 2.37% | -4.40% | 5.32% | 0.94% | -4.21% | -10.98% | 3.01% | -2.13% | -9.21% | -8.05% | 24.58% | 0.16% |
| 2022 | 9.54% | -1.69% | -6.57% | -4.43% | -11.22% | -2.01% | -10.09% | -7.07% | -17.67% | 4.52% | 0.27% | 4.53% | -36.97% |
| 2021 | 7.28% | 0.90% | 10.76% | -0.37% | 4.56% | 3.57% | 4.60% | 10.26% | 2.78% | 10.86% | 0.59% | -4.13% | 63.94% |
Benchmark Metrics
Personal Group Holdings PLC has an annualized alpha of 10.79%, beta of 0.06, and R² of 0.00 versus S&P 500 Index. Calculated based on daily prices since December 08, 2000.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (33.88%) than losses (19.59%) — typical of diversified or defensive assets.
- Beta of 0.06 may look defensive, but with R² of 0.00 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R² of 0.00 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 10.79%
- Beta
- 0.06
- R²
- 0.00
- Upside Capture
- 33.88%
- Downside Capture
- 19.59%
Return for Risk
Risk / Return Rank
PGH.L ranks 77 for risk / return — better than 77% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Personal Group Holdings PLC (PGH.L) and compare them to a chosen benchmark (S&P 500 Index).
| PGH.L | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.35 | 0.73 | +0.62 |
Sortino ratioReturn per unit of downside risk | 2.10 | 1.14 | +0.96 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.18 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.95 | 1.24 | +0.72 |
Martin ratioReturn relative to average drawdown | 4.02 | 4.87 | -0.84 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore PGH.L risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Personal Group Holdings PLC provided a 5.16% dividend yield over the last twelve months, with an annual payout of £0.18 per share. The company has been increasing its dividends for 4 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | £0.18 | £0.18 | £0.12 | £0.11 | £0.11 | £0.10 | £0.13 | £0.23 | £0.23 | £0.23 | £0.22 | £0.21 |
Dividend yield | 5.16% | 5.81% | 6.60% | 6.03% | 5.41% | 3.20% | 6.46% | 6.96% | 5.22% | 4.76% | 5.95% | 3.38% |
Monthly Dividends
The table displays the monthly dividend distributions for Personal Group Holdings PLC. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | £0.00 | £0.00 | £0.00 | £0.00 | |||||||||
| 2025 | £0.00 | £0.00 | £0.00 | £0.10 | £0.00 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.18 |
| 2024 | £0.00 | £0.00 | £0.06 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.07 | £0.00 | £0.00 | £0.12 |
| 2023 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.06 | £0.00 | £0.00 | £0.11 |
| 2022 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.11 |
| 2021 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.10 |
Dividend Yield & Payout
Dividend Yield
Personal Group Holdings PLC has a dividend yield of 5.16%, which is quite average when compared to the overall market.
Payout Ratio
Personal Group Holdings PLC has a payout ratio of 75.67%, which is quite average when compared to the overall market. This suggests that Personal Group Holdings PLC strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Personal Group Holdings PLC. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Personal Group Holdings PLC was 66.75%, occurring on Dec 1, 2023. The portfolio has not yet recovered.
The current Personal Group Holdings PLC drawdown is 8.49%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -66.75% | Oct 3, 2018 | 1305 | Dec 1, 2023 | — | — | — |
| -53.24% | Dec 21, 2015 | 320 | Mar 27, 2017 | 371 | Sep 17, 2018 | 691 |
| -35.96% | Jun 24, 2008 | 97 | Dec 2, 2008 | 213 | Dec 18, 2009 | 310 |
| -26.71% | May 8, 2006 | 153 | Jan 12, 2007 | 61 | Apr 12, 2007 | 214 |
| -25.21% | Apr 4, 2002 | 41 | Sep 2, 2002 | 21 | Nov 8, 2002 | 62 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Personal Group Holdings PLC over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Personal Group Holdings PLC is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for PGH.L, comparing it with other companies in the Insurance - Property & Casualty industry. Currently, PGH.L has a P/E ratio of 9.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for PGH.L compared to other companies in the Insurance - Property & Casualty industry. PGH.L currently has a PEG ratio of 1.2. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for PGH.L relative to other companies in the Insurance - Property & Casualty industry. Currently, PGH.L has a P/S ratio of 1.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for PGH.L in comparison with other companies in the Insurance - Property & Casualty industry. Currently, PGH.L has a P/B value of 3.2. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
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Total Revenue | — |
Cost Of Revenue | — |
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Operating Expenses | — |
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Income | — |
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Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
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Interest Income | — |
Interest Expense | — |
Net Interest Income | — |