Personal Group Holdings PLC

LSE:PGH UK Insurance - Property & Casualty
Market Cap
$1.10 Million
GBX9.05 Billion GBX
Market Cap Rank
#44724 Global
#816 in UK
Share Price
GBX290.00
Change (1 day)
-1.36%
52-Week Range
GBX209.00 - GBX388.00
All Time High
GBX412.03
Categories
Companies in UK Insurance - Property & Casualty
About

Personal Group Holdings Plc engages in the provision of employee services and salary sacrifice technology products in the United Kingdom. It operates through Affordable Insurance, Benefits and Reward, and Other segments. The company offers insurance products, including hospital plan, recovery plan, and death benefit policies; and consultancy services on pay and reward, as well as a suite of cloud… Read more

Personal Group Holdings PLC (PGH) - Net Assets

Latest net assets as of June 2025: GBX34.83 Million GBX

Based on the latest financial reports, Personal Group Holdings PLC (PGH) has net assets worth GBX34.83 Million GBX as of June 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX49.99 Million) and total liabilities (GBX15.15 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets GBX34.83 Million
% of Total Assets 69.68%
Annual Growth Rate 6.14%
5-Year Change -14.55%
10-Year Change 9.34%
Growth Volatility 23.2

Personal Group Holdings PLC - Net Assets Trend (1997–2024)

This chart illustrates how Personal Group Holdings PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Personal Group Holdings PLC (1997–2024)

The table below shows the annual net assets of Personal Group Holdings PLC from 1997 to 2024.

Year Net Assets Change
2024-12-31 GBX34.84 Million +8.89%
2023-12-31 GBX32.00 Million +3.28%
2022-12-31 GBX30.98 Million -24.96%
2021-12-31 GBX41.28 Million +1.24%
2020-12-31 GBX40.77 Million +7.26%
2019-12-31 GBX38.02 Million +7.71%
2018-12-31 GBX35.30 Million +4.56%
2017-12-31 GBX33.76 Million +4.43%
2016-12-31 GBX32.33 Million +1.45%
2015-12-31 GBX31.86 Million +17.80%
2014-12-31 GBX27.05 Million +7.49%
2013-12-31 GBX25.16 Million -5.73%
2012-12-31 GBX26.69 Million +4.03%
2011-12-31 GBX25.66 Million +9.07%
2010-12-31 GBX23.52 Million +8.22%
2009-12-31 GBX21.74 Million -6.14%
2008-12-31 GBX23.16 Million -13.29%
2007-12-31 GBX26.71 Million +12.22%
2006-12-31 GBX23.80 Million +15.75%
2005-12-31 GBX20.56 Million +9.56%
2004-12-31 GBX18.77 Million +29.08%
2003-12-31 GBX14.54 Million --
2002-12-31 GBX0.00 --
2001-12-31 GBX12.32 Million +9.69%
2000-12-31 GBX11.23 Million +8.39%
1999-12-31 GBX10.36 Million +26.06%
1998-12-31 GBX8.22 Million +17.85%
1997-12-31 GBX6.97 Million --

Equity Component Analysis

This analysis shows how different components contribute to Personal Group Holdings PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 3165200000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component Amount Percentage
Retained Earnings GBX31.65 Million 90.85%
Common Stock GBX1.56 Million 4.48%
Other Comprehensive Income GBX492.00K 1.41%
Other Components GBX1.13 Million 3.25%
Total Equity GBX34.84 Million 100.00%

Personal Group Holdings PLC Competitors by Market Cap

The table below lists competitors of Personal Group Holdings PLC ranked by their market capitalization.

Company Market Cap
JPEL Private Equity Ltd
LSE:JPEL
 		$11.62K
TRAVELSKY TECH -H-
MU:TVL
 		$11.64K
54GW
LSE:54GW
 		$11.66K
EKSPRESS GROUP (DYC.SG)
STU:DYC
 		$11.67K
National Foods Ltd
KAR:NATF
 		$11.60K
RM Plc
LSE:RM
 		$11.60K
HIGHLIGHT COMMUNICA
BE:HLG
 		$11.59K
RTW Venture Fund Limited
PINK:RTWFF
 		$11.58K

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Personal Group Holdings PLC's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2023 to 2024, total equity changed from 31,995,000 to 34,840,000, a change of 2,845,000 (8.9%).
  • Net income of 6,496,000 contributed positively to equity growth.
  • Dividend payments of 3,857,000 reduced retained earnings.
  • Share repurchases of 81,000 reduced equity.
  • New share issuances of 85,000 increased equity.
  • Other comprehensive income decreased equity by 45,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income GBX6.50 Million +18.65%
Dividends Paid GBX3.86 Million -11.07%
Share Repurchases GBX81.00K -0.23%
Share Issuances GBX85.00K +0.24%
Other Comprehensive Income GBX-45.00K -0.13%
Other Changes GBX247.00K +0.71%
Total Change GBX- 8.89%

Book Value vs Market Value Analysis

This analysis compares Personal Group Holdings PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 269.71x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has decreased from 1270.10x to 269.71x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1997-12-31 GBX0.23 GBX290.00 x
1998-12-31 GBX0.27 GBX290.00 x
1999-12-31 GBX0.34 GBX290.00 x
2000-12-31 GBX0.37 GBX290.00 x
2001-12-31 GBX0.41 GBX290.00 x
2002-12-31 GBX0.46 GBX290.00 x
2003-12-31 GBX0.48 GBX290.00 x
2004-12-31 GBX0.62 GBX290.00 x
2005-12-31 GBX0.68 GBX290.00 x
2006-12-31 GBX0.78 GBX290.00 x
2007-12-31 GBX0.88 GBX290.00 x
2008-12-31 GBX0.76 GBX290.00 x
2009-12-31 GBX0.73 GBX290.00 x
2010-12-31 GBX0.79 GBX290.00 x
2011-12-31 GBX0.86 GBX290.00 x
2012-12-31 GBX0.89 GBX290.00 x
2013-12-31 GBX0.84 GBX290.00 x
2014-12-31 GBX0.88 GBX290.00 x
2015-12-31 GBX0.98 GBX290.00 x
2016-12-31 GBX1.04 GBX290.00 x
2017-12-31 GBX1.08 GBX290.00 x
2018-12-31 GBX1.11 GBX290.00 x
2019-12-31 GBX1.22 GBX290.00 x
2020-12-31 GBX1.31 GBX290.00 x
2021-12-31 GBX1.32 GBX290.00 x
2022-12-31 GBX0.99 GBX290.00 x
2023-12-31 GBX1.00 GBX290.00 x
2024-12-31 GBX1.08 GBX290.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Personal Group Holdings PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 18.65%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 14.83%
  • • Asset Turnover: 0.85x
  • • Equity Multiplier: 1.47x
  • Recent ROE (18.65%) is below the historical average (21.42%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1997 30.62% 0.00% 0.00x 1.39x GBX1.44 Million
1998 32.24% 0.00% 0.00x 1.37x GBX1.83 Million
1999 30.40% 0.00% 0.00x 1.33x GBX2.11 Million
2000 21.12% 22.18% 0.65x 1.47x GBX1.25 Million
2001 25.89% 29.20% 0.62x 1.43x GBX1.96 Million
2002 28.50% 31.99% 0.63x 1.40x GBX2.58 Million
2003 30.59% 114.08% 0.18x 1.48x GBX2.99 Million
2004 22.43% 44.92% 0.40x 1.26x GBX2.33 Million
2005 24.82% 18.14% 0.75x 1.82x GBX3.05 Million
2006 28.07% 24.41% 0.72x 1.59x GBX4.30 Million
2007 23.80% 24.08% 0.75x 1.33x GBX3.69 Million
2008 11.97% 10.44% 0.86x 1.34x GBX455.10K
2009 15.27% 12.71% 0.96x 1.26x GBX1.15 Million
2010 28.73% 25.27% 0.91x 1.26x GBX4.41 Million
2011 28.93% 27.01% 0.82x 1.30x GBX4.86 Million
2012 22.57% 22.01% 0.81x 1.26x GBX3.35 Million
2013 8.34% 7.39% 0.87x 1.30x GBX-418.30K
2014 27.89% 16.04% 0.90x 1.93x GBX4.84 Million
2015 29.19% 16.03% 1.02x 1.79x GBX6.11 Million
2016 22.53% 14.01% 0.98x 1.64x GBX4.05 Million
2017 24.48% 18.27% 0.91x 1.47x GBX4.89 Million
2018 23.77% 15.16% 1.06x 1.48x GBX4.86 Million
2019 23.25% 12.47% 1.26x 1.48x GBX5.04 Million
2020 16.91% 9.64% 1.21x 1.45x GBX2.82 Million
2021 8.71% 4.83% 1.29x 1.40x GBX-531.10K
2022 -23.41% -26.70% 0.58x 1.50x GBX-10.35 Million
2023 13.51% 8.72% 1.01x 1.54x GBX1.12 Million
2024 18.65% 14.83% 0.85x 1.47x GBX3.01 Million

Industry Comparison

This section compares Personal Group Holdings PLC's net assets metrics with peer companies in the Insurance - Property & Casualty industry.

No peer company data available for comparison.