PGH - Ticker AI Digest

Personal Group Holdings PLC 📰 1
338.29 | Today -0.50%
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Today's Catalysts (PGH) 1
PGH 06:01
Personal Group Holdings PLC
Exercise of Options, PDMR and Total Voting Rights
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Results 1
PGH 06:03
Personal Group Holdings PLC
Preliminary Results and Final Dividend
AI Expand: Explanation + Tables
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Personal Group Holdings PLC reported strong preliminary results for the year ended 31 December 2025, with double-digit revenue growth and adjusted EBITDA ahead of market expectations. Key highlights include
**Revenue Growth**Group revenue increased by 11% to £48.4 million, driven by growth across all divisions.
**Recurring Revenue**Annualised recurring revenue (ARR) rose by 12% to £48.6 million, with over 90% of revenue derived from recurring sources like insurance and SaaS subscriptions.
**Adjusted EBITDA**Up 22% to £12.1 million, surpassing market expectations of £11.6 million.
**Profitability**Profit before tax increased by 23% to £8.4 million, and basic EPS grew by 32% to 23.3p.
**Dividend**A 41% increase in the full-year dividend to 23.3p per share, reflecting strong cash generation and confidence in the business model.
**Operational Performance**Record insurance sales, strong customer retention (81.7%), and new client wins (e.g., Avery, Securitas, Harbour Healthcare) expanded the addressable customer base.
**Strategic Progress**Continued uptake of the Benefits & Rewards platform, renewed partnerships (e.g., Sage), and new digital insurance offerings.
**Balance Sheet**Strong liquidity with £29.0 million in cash and no debt, positioning the Group well for future growth.
**Outlook**Confidence in achieving 2030 aspirations of £100 million revenue, £30 million EBITDA, and £20 million SaaS ARR, supported by strategic pillars of Adoption, Expansion, Innovation, and Partnering.
The Group remains focused on delivering meaningful impact for employers and employees, particularly in a challenging economic environment.
Year-on-Year Financial and Debt Comparison (2024 vs 2025)
Metric20242025Change
Group Revenue (£'000)43,80048,400+11%
Adjusted EBITDA (£'000)10,00012,100+21%
Profit Before Tax (£'000)6,8008,400+23%
Basic EPS (pence)17.723.3+32%
Cash and Bank Deposits (£'000)27,40029,000+6%
DebtNoneNoneNo Change
Final Dividend (pence per share)16.523.3+41%
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TR1 1
PGH 13:01
Personal Group Holdings PLC
Holding(s) in Company
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TR1 Buy
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All Market News (Last 30 Days) 4
PGH 06:01
Personal Group Holdings PLC
Exercise of Options, PDMR and Total Voting Rights
PGH 06:01
Personal Group Holdings PLC
AGM Notification
PGH 13:01
Personal Group Holdings PLC
Holding(s) in Company
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
TR1 Buy
PGH 06:03
Personal Group Holdings PLC
Preliminary Results and Final Dividend
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
Personal Group Holdings PLC reported strong preliminary results for the year ended 31 December 2025, with double-digit revenue growth and adjusted EBITDA ahead of market expectations. Key highlights include
**Revenue Growth**Group revenue increased by 11% to £48.4 million, driven by growth across all divisions.
**Recurring Revenue**Annualised recurring revenue (ARR) rose by 12% to £48.6 million, with over 90% of revenue derived from recurring sources like insurance and SaaS subscriptions.
**Adjusted EBITDA**Up 22% to £12.1 million, surpassing market expectations of £11.6 million.
**Profitability**Profit before tax increased by 23% to £8.4 million, and basic EPS grew by 32% to 23.3p.
**Dividend**A 41% increase in the full-year dividend to 23.3p per share, reflecting strong cash generation and confidence in the business model.
**Operational Performance**Record insurance sales, strong customer retention (81.7%), and new client wins (e.g., Avery, Securitas, Harbour Healthcare) expanded the addressable customer base.
**Strategic Progress**Continued uptake of the Benefits & Rewards platform, renewed partnerships (e.g., Sage), and new digital insurance offerings.
**Balance Sheet**Strong liquidity with £29.0 million in cash and no debt, positioning the Group well for future growth.
**Outlook**Confidence in achieving 2030 aspirations of £100 million revenue, £30 million EBITDA, and £20 million SaaS ARR, supported by strategic pillars of Adoption, Expansion, Innovation, and Partnering.
The Group remains focused on delivering meaningful impact for employers and employees, particularly in a challenging economic environment.
Year-on-Year Financial and Debt Comparison (2024 vs 2025)
Metric20242025Change
Group Revenue (£'000)43,80048,400+11%
Adjusted EBITDA (£'000)10,00012,100+21%
Profit Before Tax (£'000)6,8008,400+23%
Basic EPS (pence)17.723.3+32%
Cash and Bank Deposits (£'000)27,40029,000+6%
DebtNoneNoneNo Change
Final Dividend (pence per share)16.523.3+41%

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for PGH.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2026-04-23 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Personal Group Holdings PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
06:01 Today's Catalyst Exercise of Options, PDMR and Total Voting Rights
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Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
106.1M
Enterprise Value
39.2M
Public Float
62.5
Broker Target
415
Shares Out
31.2M
Long Interest
100
Short Interest
0
Exchange
LSE
Currency Code
GBX
ISIN
GB0002760279
Market
LSE - AIM
Sector
Non-life Insurance
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for PGH.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2026-04-23 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
Personal Group Holdings PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
06:01 Today's Alert Exercise of Options, PDMR and Total Voting Rights
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.23
Ex Divi
2026-04-02
Earnings Date
2026-03-23
Net Debt
-25.0M
Cash
25.0M
EPS
0.22
Net Income
7.3M
Revenue
48.4M
Enterprise Value
39.2M
Trailing PE
15.4545
Forward PE
14.0449
Price Sales TTM
2.1971
Price Book MRQ
2.8816
EV Revenue
1.6823
EV EBITDA
-
Financial Forecastist

Mixed financial engine

Revenue is accelerating +46.2% against the prior comparable period. Net margin is stable by 0.1 pts. Net debt is building +73.1%.

Revenue +46.2% Net Income +47.2% FCF -1403.1% Forward Rev 0
Mixed
Quarter Revenue
25.0M
+46.2%
vs prior comparable quarter
Net Margin
+17.1%
+0.1 pts
profitability pulse
Free Cash Flow
6.2M
-1403.1%
cash conversion
Net Debt / EBITDA
-3.9x
+73.1%
lower is cleaner
Revenue Engine

Latest quarter printed 25.0M with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 4.3M and the margin profile is stable. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 25.0M while net debt is -25.0M. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2023
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
53.8M
Revenue Path
0.24
EPS / Earnings
Growth cue +0.1%
FY 2027
Consensus
60.6M
Revenue Path
0.29
EPS / Earnings
Growth cue +0.2%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 25.0M 4.3M 6.2M -25.0M
Q2 2025 23.3M 3.0M 4.4M -23.0M
Q4 2024 22.7M 3.6M 6.8M -18.1M
Q2 2024 21.0M 1.7M 5.8M -20.7M
Q4 2023 17.1M 2.9M -479.0K -14.4M
Q2 2023 46.4M 1.4M 5.8M -20.8M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 48.4M 7.3M 11.7M 10.6M
FY 2024 43.8M 6.5M 9.5M 8.7M
FY 2023 49.6M 4.3M 1.9M 5.3M
FY 2022 27.2M -7.3M -4.9M 1.7M
FY 2021 74.5M 3.6M 5.9M 6.4M

Structure DNA

Market Structure DNA

Yield Compounder profile with trend runway open

Price is 79.4% through the 52-week range, +7.1% vs 50DMA and +4.2% vs 200DMA. 79.0% of the register is locked by institutions and insiders, leaving 21.0% free float. Capital rhythm reads semi-annual with forward yield near 6.8% and payout around 2.5%.

Trend runway open Institutional gravity Reliable income rhythm As Of 2026-04-19
Yield Compounder
Structure Score
75.9 / 100
Yield Compounder
Trend Stack
+7.1% / +4.2%
vs 50DMA / 200DMA
52W Position
79.4%
auction position inside the yearly range
Ownership Lock
79.0%
27.1% institutions | 51.9% insiders
Pressure Pocket
21.0% free float
Vendor short-float fields were not supplied
Capital Rhythm
Semi-Annual
Yield 6.8% | payout 2.5%
Trend Runway

Implied spot is 344.00 with the stock +7.1% vs 50DMA and +4.2% vs 200DMA. The tape is sitting 79.4% through the 52-week range, which frames the regime as trend runway open.

Ownership Register

Institutions hold about 27.1% and insiders about 51.9%, locking roughly 79.0% of the register and leaving 21.0% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads semi-annual with 2 event(s) in the last full year, a five-year average of 2.0, and stability score 100.0/100. Forward yield sits near 6.8% while payout is around 2.5%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2026 1 Current partial year
2025 2 Full year
2024 2 Full year
2023 2 Full year
2022 2 Full year
2021 2 Full year
2020 3 Full year
2019 4 Full year

Structure Facts

Live Snapshot
Implied Spot
344.00
derived from market cap / shares
52W High
377.45
upper auction edge
52W Low
214.88
lower auction edge
Beta
0.16
volatility character
Shares Out
31.2M
fully diluted count
Shares Float
19.5M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-04-02
-17 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
-
split date not supplied

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
41.3074
Institutions As Of
2026-02-05
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
8
Sale Director Dealing
1
Purchase TR1
4
Sale TR1
5
Broker Coverage Rows
0
Institution Holders Tracked
5
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for PGH, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2026-04-23 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Personal Group Holdings PLC has fresh news flow live now, so the tape is framing the chart workspace below.
06:01 Today's Catalyst Exercise of Options, PDMR and Total Voting Rights
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