Personal Group Holdings PLC
LSE:PGH
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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P/E
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Valuation Scenarios
If P/E returns to its 3-Year Average (11.8), the stock would be worth GBX272.82 (22% downside from current price).
| Scenario | P/E Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 15.2 | GBX350 |
0%
|
| 3-Year Average | 11.8 | GBX272.82 |
-22%
|
| 5-Year Average | 12.7 | GBX293.06 |
-16%
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| Industry Average | 0.1 | GBX2.74 |
-99%
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| Country Average | 0.2 | GBX4.8 |
-99%
|
Forward P/E
Today’s price vs future net income
| Today's Market Cap | Net Income | Forward P/E | ||
|---|---|---|---|---|
|
GBX106.3m
|
/ |
Jan 2026
£7.3m
|
= |
|
|
GBX106.3m
|
/ |
Dec 2026
£8m
|
= |
|
|
GBX106.3m
|
/ |
Dec 2027
£9.3m
|
= |
|
Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.
Peer Comparison
| Market Cap | P/E | ||||
|---|---|---|---|---|---|
| UK |
|
Personal Group Holdings PLC
LSE:PGH
|
109.5m GBP | 15.2 | |
| CH |
|
Chubb Ltd
NYSE:CB
|
127B USD | 11.2 | |
| US |
|
Progressive Corp
NYSE:PGR
|
117.6B USD | 10.2 | |
| JP |
|
Tokio Marine Holdings Inc
TSE:8766
|
13.7T JPY | 12.9 | |
| US |
|
Travelers Companies Inc
NYSE:TRV
|
64.9B USD | 8.6 | |
| US |
|
Allstate Corp
NYSE:ALL
|
56.5B USD | 5.5 | |
| CN |
|
People's Insurance Company Group of China Ltd
SSE:601319
|
317.5B CNY | 6.8 | |
| ZA |
S
|
Santam Ltd
JSE:SNT
|
44.2B ZAR | 10.9 | |
| CN |
|
PICC Property and Casualty Co Ltd
HKEX:2328
|
311.6B HKD | 6.9 | |
| JP |
|
MS&AD Insurance Group Holdings Inc
TSE:8725
|
6T JPY | 8.2 | |
| CA |
|
Fairfax Financial Holdings Ltd
TSX:FFH
|
50.8B CAD | 7.7 |
Market Distribution
| Min | 0 |
| 30th Percentile | 0.1 |
| Median | 0.2 |
| 70th Percentile | 0.3 |
| Max | 828.3 |
Other Multiples
Personal Group Holdings PLC
Glance View
Personal Group Holdings Plc engages in the provision of business support services. The company is headquartered in Milton Keynes, Buckinghamshire and currently employs 233 full-time employees. The company went IPO on 2000-11-27. The firm is principally engaged in transacting short-term accident and health insurance and providing employee services in the United Kingdom (UK). PGH's employee engagement and wellbeing services are delivered through its application, Hapi. The firm's segments include Core Insurance, IT Salary Sacrifice, software as a service (SaaS) and Other. The Core Insurance segment comprises of Personal Assurance Plc, a subsidiary of the Company, which is engaged in underwriting insurance policies. The IT salary sacrifice segment refers to the trade of PG Let's Connect, a salary sacrifice technology. The SaaS segment is engaged in offering Hapi platform. The Other segment consists of Berkeley Morgan Group (BMG) and its subsidiary undertakings, and Personal Management Solutions (PMS). Its clients include Francis Crick Institute, Bristol Airport, Arsenal Football Club and The British Library.
