Personal Group Holdings PLC (PGH) — Cash Flow-to-Debt Ratio
Personal Group Holdings PLC (PGH) has a Cash Flow-to-Debt Ratio of 0.31x as of December 2025, meaning its operating cash flow of GBX6.39 Million could theoretically repay 0% of its total liabilities (GBX20.55 Million) in one year. See PGH financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Personal Group Holdings PLC Cash Flow-to-Debt Ratio (1997–2025)
Historical debt coverage capacity for Personal Group Holdings PLC across 29 annual periods. For the full cash flow conversion analysis, see Personal Group Holdings PLC cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Personal Group Holdings PLC (1997–2025)
Year-by-year debt coverage analysis for Personal Group Holdings PLC. Check PGH cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (GBX) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.54x | GBX11.03 Million | GBX20.55 Million | ▼ -22.8% |
| 2024 | 0.70x | GBX11.44 Million | GBX16.45 Million | ▲ +59.8% |
| 2023 | 0.44x | GBX7.48 Million | GBX17.19 Million | ▲ +110.0% |
| 2022 | 0.21x | GBX3.24 Million | GBX15.63 Million | ▼ -55.4% |
| 2021 | 0.46x | GBX7.59 Million | GBX16.32 Million | ▲ +4.2% |
| 2020 | 0.45x | GBX8.10 Million | GBX18.15 Million | ▼ -5.1% |
| 2019 | 0.47x | GBX8.67 Million | GBX18.42 Million | ▼ -3.7% |
| 2018 | 0.49x | GBX8.32 Million | GBX17.04 Million | ▼ -22.2% |
| 2017 | 0.63x | GBX9.93 Million | GBX15.81 Million | ▲ +104.4% |
| 2016 | 0.31x | GBX6.39 Million | GBX20.82 Million | ▲ +7.5% |
| 2015 | 0.29x | GBX7.15 Million | GBX25.02 Million | ▲ +20.1% |
| 2014 | 0.24x | GBX6.00 Million | GBX25.21 Million | ▼ -74.9% |
| 2013 | 0.95x | GBX7.13 Million | GBX7.52 Million | ▼ -1.8% |
| 2012 | 0.97x | GBX6.66 Million | GBX6.89 Million | ▲ +7.8% |
| 2011 | 0.90x | GBX6.91 Million | GBX7.71 Million | ▼ -23.6% |
| 2010 | 1.17x | GBX7.05 Million | GBX6.02 Million | ▼ -3.8% |
| 2009 | 1.22x | GBX6.77 Million | GBX5.56 Million | ▲ +69.6% |
| 2008 | 0.72x | GBX5.67 Million | GBX7.89 Million | ▲ +19.2% |
| 2007 | 0.60x | GBX5.25 Million | GBX8.71 Million | ▲ +44.3% |
| 2006 | 0.42x | GBX5.90 Million | GBX14.12 Million | ▼ -1.6% |
| 2005 | 0.42x | GBX7.13 Million | GBX16.79 Million | ▼ -62.7% |
| 2004 | 1.14x | GBX5.51 Million | GBX4.84 Million | ▲ +13.1% |
| 2003 | 1.01x | GBX7.06 Million | GBX7.02 Million | ▲ +232.3% |
| 2002 | 0.30x | GBX5.93 Million | GBX19.59 Million | ▼ -62.6% |
| 2001 | 0.81x | GBX4.26 Million | GBX5.27 Million | ▼ -17.7% |
| 2000 | 0.98x | GBX5.24 Million | GBX5.33 Million | ▼ -12.9% |
| 1999 | 1.13x | GBX3.85 Million | GBX3.41 Million | ▼ -14.2% |
| 1998 | 1.32x | GBX4.00 Million | GBX3.04 Million | ▲ +6.0% |
| 1997 | 1.24x | GBX3.40 Million | GBX2.74 Million | — |