Personal Group Holdings PLC (PGH) - Net Assets

Latest as of June 2025: GBX34.83 Million GBX ≈ $4.24K USD

Based on the latest financial reports, Personal Group Holdings PLC (PGH) has net assets worth GBX34.83 Million GBX (≈ $4.24K USD) 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 ≈ $6.08K USD) and total liabilities (GBX15.15 Million ≈ $1.84K USD). 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. Check PGH asset liquidity ratio to evaluate the company's liquid asset resilience ratio.

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. Also explore balance sheet size of Personal Group Holdings PLC for the complete picture of this company's asset base.

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. For live valuation and market cap data, see PGH stock market capitalisation.

Year Net Assets Change
2024-12-31 GBX34.84 Million
≈ $4.24K		 +8.89%
2023-12-31 GBX32.00 Million
≈ $3.89K		 +3.28%
2022-12-31 GBX30.98 Million
≈ $3.77K		 -24.96%
2021-12-31 GBX41.28 Million
≈ $5.02K		 +1.24%
2020-12-31 GBX40.77 Million
≈ $4.96K		 +7.26%
2019-12-31 GBX38.02 Million
≈ $4.63K		 +7.71%
2018-12-31 GBX35.30 Million
≈ $4.29K		 +4.56%
2017-12-31 GBX33.76 Million
≈ $4.11K		 +4.43%
2016-12-31 GBX32.33 Million
≈ $3.93K		 +1.45%
2015-12-31 GBX31.86 Million
≈ $3.88K		 +17.80%
2014-12-31 GBX27.05 Million
≈ $3.29K		 +7.49%
2013-12-31 GBX25.16 Million
≈ $3.06K		 -5.73%
2012-12-31 GBX26.69 Million
≈ $3.25K		 +4.03%
2011-12-31 GBX25.66 Million
≈ $3.12K		 +9.07%
2010-12-31 GBX23.52 Million
≈ $2.86K		 +8.22%
2009-12-31 GBX21.74 Million
≈ $2.64K		 -6.14%
2008-12-31 GBX23.16 Million
≈ $2.82K		 -13.29%
2007-12-31 GBX26.71 Million
≈ $3.25K		 +12.22%
2006-12-31 GBX23.80 Million
≈ $2.90K		 +15.75%
2005-12-31 GBX20.56 Million
≈ $2.50K		 +9.56%
2004-12-31 GBX18.77 Million
≈ $2.28K		 +29.08%
2003-12-31 GBX14.54 Million
≈ $1.77K		 --
2002-12-31 GBX0.00
≈ $0.00		 --
2001-12-31 GBX12.32 Million
≈ $1.50K		 +9.69%
2000-12-31 GBX11.23 Million
≈ $1.37K		 +8.39%
1999-12-31 GBX10.36 Million
≈ $1.26K		 +26.06%
1998-12-31 GBX8.22 Million
≈ $1.00K		 +17.85%
1997-12-31 GBX6.97 Million
≈ $848.66		 --

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
Xplore Resources Corp
V:XPLR
 $1.33 Million
CONSOLE LABS SA ZY-10
F:9ZK
 $1.33 Million
Wheeler Real Estate Investment Trust Inc
NASDAQ:WHLR
 $1.33 Million
Modiin Energy-Limited Partnership
TA:MDIN-L
 $1.34 Million
LIQUID AVATAR TECHNO.INC.
F:4T5
 $1.33 Million
TinOne Resources Inc
V:TORC
 $1.33 Million
Xaar plc
LSE:XAR
 $1.32 Million
Tribal Group plc
LSE:TRB
 $1.32 Million

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: 325.51x
  • 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 1532.87x to 325.51x 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 GBX350.00 x
1998-12-31 GBX0.27 GBX350.00 x
1999-12-31 GBX0.34 GBX350.00 x
2000-12-31 GBX0.37 GBX350.00 x
2001-12-31 GBX0.41 GBX350.00 x
2002-12-31 GBX0.46 GBX350.00 x
2003-12-31 GBX0.48 GBX350.00 x
2004-12-31 GBX0.62 GBX350.00 x
2005-12-31 GBX0.68 GBX350.00 x
2006-12-31 GBX0.78 GBX350.00 x
2007-12-31 GBX0.88 GBX350.00 x
2008-12-31 GBX0.76 GBX350.00 x
2009-12-31 GBX0.73 GBX350.00 x
2010-12-31 GBX0.79 GBX350.00 x
2011-12-31 GBX0.86 GBX350.00 x
2012-12-31 GBX0.89 GBX350.00 x
2013-12-31 GBX0.84 GBX350.00 x
2014-12-31 GBX0.88 GBX350.00 x
2015-12-31 GBX0.98 GBX350.00 x
2016-12-31 GBX1.04 GBX350.00 x
2017-12-31 GBX1.08 GBX350.00 x
2018-12-31 GBX1.11 GBX350.00 x
2019-12-31 GBX1.22 GBX350.00 x
2020-12-31 GBX1.31 GBX350.00 x
2021-12-31 GBX1.32 GBX350.00 x
2022-12-31 GBX0.99 GBX350.00 x
2023-12-31 GBX1.00 GBX350.00 x
2024-12-31 GBX1.08 GBX350.00 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.

Industry Context

  • Industry: Insurance - Property & Casualty
  • Average net assets among peers: $2,251,733,333
  • Average return on equity (ROE) among peers: 24.21%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Personal Group Holdings PLC (PGH) GBX34.83 Million 30.62% 0.44x $1.33 Million
Admiral Group PLC (ADM) $580.90 Million 49.10% 5.67x $124.70 Million
Direct Line Insurance Group plc (DLG) $2.48 Billion 6.54% 2.54x $48.28 Million
Hiscox Ltd (HSX) $3.69 Billion 17.00% 2.05x $62.10 Million

About Personal Group Holdings PLC

LSE:PGH UK Insurance - Property & Casualty
Market Cap
$1.33 Million
GBX10.92 Billion GBX
Market Cap Rank
#30033 Global
#748 in UK
Share Price
GBX350.00
Change (1 day)
+0.00%
52-Week Range
GBX259.00 - 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