Personal Group Holdings

PGH · AIM · Insurance · mcap £136m · 433.5p

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Financials · LTM to 30 Jun 26

Source: results 15 Sep 26 ↗

Revenue: £50.7m
Operating profit: £9.3m
Net income: £8.2m
Free cash flow: –
Net cash: –
Market cap: £137m
EV / EBIT: –
FCF yield: –
Price / book: 3.8×

Latest half-year · H1 26 vs H1 25 results 15 Sep 26 ↗

Revenue: £25.7m
Operating profit: £4.5m
Net income: £3.9m
Cash from operations: £6.4m

Extracted automatically from the company's results announcements; check the source before relying on a figure. Not investment advice.

Income statement Cash flow Balance sheet

Annual Half-yearly

Latest report: H1 26 (six months to 30 Jun 26), published 15 Sep 26 · read the results ↗

£m unless stated · newest first · italic = calculated (LTM, H2 = FY − H1) · hover a value for its source

	LTM Jun 26	FY 25	FY 24
Insurance revenue	38.2	36.2	32.2
Investment income	–	1.2	1.2
Revenue	50.7	48.4	43.8
Adjusted EBITDA	13.3	12.1	10.0
Operating profit	9.3	8.5	6.9
Amortisation	(1.9)	(2.2)	(1.4)
Share-based payments	(0.4)	(0.4)	(0.2)
Fair value gains / losses	0.2	0.2	0.1
Finance costs	(0.1)	(0.1)	(0.1)
Profit before tax	9.2	8.4	6.8
Tax	(1.1)	(1.1)	(1.3)
Net income (owners)	8.2	7.3	6.5
Discontinued operations	–	–	1.0
EPS basic	26.0p	23.3p	20.8p
EPS diluted	24.7p	22.1p	20.1p
Dividend per share	24.1p	23.3p	16.5p

	H1 26	vs H1 25	H2 25	H1 25
Insurance revenue	19.4	+11%	18.8	17.4
Revenue	25.7	+10%	25.0	23.3
Adjusted EBITDA	6.7	+22%	6.7	5.5
Operating profit	4.5	+20%	4.7	3.8
Amortisation	1.3	+28%	(3.2)	1.0
Share-based payments	(0.1)	0%	(0.3)	(0.1)
Fair value gains / losses	0.1	n/m	0.1	0.0
Finance costs	(0.0)	n/m	(0.0)	(0.0)
Profit before tax	4.6	+21%	4.6	3.8
Tax	(0.7)	−8%	(0.3)	(0.8)
Net income (owners)	3.9	+29%	4.3	3.0
EPS basic	12.3p	–	13.7p	9.6p
EPS diluted	11.8p	–	12.9p	9.2p
Dividend per share	9.0p	–	15.1p	8.2p

	LTM Jun 26	FY 25	FY 24
Cash from operations	12.3	9.9	11.4
Tax paid	(2.0)	(1.8)	(1.1)
Capex (PP&E)	(0.2)	(0.4)	(0.1)
Capex (intangibles)	(2.6)	(2.7)	(2.7)
Lease principal paid	(0.7)	(0.7)	(0.6)
Dividends paid	(7.3)	(5.7)	(3.9)
Share buybacks	(0.1)	(0.0)	(0.1)
Shares issued	0.0	0.0	–

	H1 26	vs H1 25	H2 25	H1 25
Cash from operations	6.4	+60%	5.9	4.0
Tax paid	(1.0)	+20%	(1.0)	(0.8)
Capex (PP&E)	(0.1)	−57%	(0.1)	(0.2)
Capex (intangibles)	(1.2)	−9%	(1.3)	(1.4)
Lease principal paid	(0.4)	+14%	(0.3)	(0.3)
Dividends paid	(4.7)	+51%	(2.6)	(3.1)
Share buybacks	(0.1)	n/m	(0.0)	(0.0)
Shares issued	0.0	n/m	0.0	0.0

	Latest Jun 26	FY 25	FY 24
Insurance contract liabilities	0.8	0.9	0.9
Goodwill	2.7	2.7	2.7
Other intangibles	5.2	5.2	4.9
Property, plant & equipment	4.6	4.0	4.5
Other investments	4.9	5.7	9.9
Trade receivables	7.9	13.9	10.0
Cash	26.4	25.0	19.1
Current assets	40.3	45.5	–
Total assets	52.8	57.4	51.3
Trade payables	14.4	18.5	14.1
Current liabilities	15.3	19.4	–
Total liabilities	16.7	20.5	16.4
Total equity	36.1	36.8	34.8

	H1 26	H2 25	H2 24
Insurance contract liabilities	0.8	0.9	0.9
Goodwill	2.7	2.7	2.7
Other intangibles	5.2	5.2	4.9
Property, plant & equipment	4.6	4.0	4.5
Other investments	4.9	5.7	9.9
Trade receivables	7.9	13.9	10.0
Cash	26.4	25.0	19.1
Current assets	40.3	45.5	–
Total assets	52.8	57.4	51.3
Trade payables	14.4	18.5	14.1
Current liabilities	15.3	19.4	–
Total liabilities	16.7	20.5	16.4
Total equity	36.1	36.8	34.8

Line items extracted automatically from each results announcement; when a later report restates a period, the later figure is shown. LTM and H2 are calculated from reported periods. Check the source before relying on a figure.

Company filings. Not investment advice.