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Personal Group (PGH) Fair Value & Analysis

Financial Services · GB · Market cap 128M GBX

Pricep3.83
Fair Valuep3.01
Upside-21.3%
Quality95/100
Evidence: High Range p2.25 – p3.76

Fair value as of: Jun 26, 2026

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Analysis

Personal Group (PGH) currently trades at p3.83, while our model-based Fair Value estimate is p3.01 — implying the stock looks roughly 21.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 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-based SaaS solutions and surveys. It offers Hapi, a technology platform that allows connectivity, engagement, health and wellbeing; and Sage Employee Benefits, an engagement product designed for the SME market. The company was incorporated in 1996 and is headquartered in Milton Keynes, the United Kingdom.

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Frequently asked questions

Is Personal Group (PGH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of p3.01 versus a price of p3.83 — about −21% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PGH?
Our 21-model fair value for Personal Group is p3.01 (as of Jun 26, 2026), built from audited fundamentals. The current price is p3.83.
What is the quality score of PGH?
Personal Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.