Personal Group (PGH) Fair Value & Analysis
Financial Services · GB · Market cap 128M GBX
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 18 days ago
Share price +4.5% over the past month.
Price vs Fair Value (12 months)
12‑month range £2.49 – £3.91 · fair‑value band £2.25 – £3.76 · the £3.83 price screens above the £3.01 fair value. As of Jun 26, 2026.
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Personal Group (PGH) currently trades at £3.83, while our model-based Fair Value estimate is £3.01 — implying the stock looks roughly 21.3% overvalued today. We read business quality at 79/100 (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).
Over the trailing twelve months, Personal Group generated revenue of £48.3M at a net margin of 15.1%. Revenue grew 10.9% year over year. It earns a return on equity of 20.3%. The balance sheet holds a net cash position of £25.0M. Fundamentals as of Jun 26, 2026
Our scenario range runs from £2.25 (bear case) to £3.76 (bull case); at £3.83, the current price sits above that range. For context, the median of 10 Financial Services peers we cover trades at 63% fair-value upside — at -21%, PGH screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Personal Group reported revenue of £48.4M in FY2025 versus £74.5M in FY2021, a compound −10.2%/yr. Reported net income was £7.3M in FY2025, compounding +19.3%/yr from FY2021.
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.