Personal Group Holdings Plc (AIM: PGH)

Personal Group Holdings Income Statement

Financials in millions GBP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Premiums & Annuity Revenue	28.71	28.71	25.41	24.67	28.83	30.21
Total Interest & Dividend Income	0.81	0.81	0.15	0.02	0.07	0.13
Non-Insurance Activities Revenue	20.01	20.01	24.01	49.61	42.38	40.36
Other Revenue	0.14	0.14	0.24	0.22	0.24	0.19
Total Revenue	49.67	49.67	49.8	74.51	71.52	70.89
Revenue Growth (YoY)	-0.27%	-0.27%	-33.16%	4.18%	0.90%	28.08%
Policy Benefits	14.59	14.59	13.67	6.05	7.03	6.67
Amortization of Goodwill & Intangibles	-	-	-	-	-	0.49
Selling, General & Administrative	10.63	10.63	8.97	14.64	12.61	15.96
Non-Insurance Activities Expense	18.08	18.08	22.6	49.26	42.89	38.09
Other Operating Expenses	0.09	0.09	0.03	-0.08	0.26	0.21
Reinsurance Income or Expense	-0.14	-0.14	-0.08	-	-	-
Total Operating Expenses	43.7	43.7	45.66	70.04	62.79	61.44
Operating Income	5.97	5.97	4.15	4.47	8.73	9.45
Interest Expense	-0.08	-0.08	-0.02	-0.03	-0.07	-0.13
Earnings From Equity Investments	-	-	-	-	-	0.01
Other Non Operating Income (Expenses)	-0.1	-0.1	-0.1	-0.1	-0.1	1.16
EBT Excluding Unusual Items	5.79	5.79	4.03	4.34	8.56	10.49
Merger & Restructuring Charges	-0.64	-0.64	-	-	-	-
Impairment of Goodwill	-	-	-10.58	-	-	-
Gain (Loss) on Sale of Investments	0.18	0.18	-0.21	-	-	-
Pretax Income	5.33	5.33	-6.76	4.34	8.56	10.49
Income Tax Expense	1.01	1.01	0.49	0.75	1.66	1.65
Earnings From Continuing Ops.	4.32	4.32	-7.25	3.6	6.89	8.84
Net Income	4.32	4.32	-7.25	3.6	6.89	8.84
Net Income to Common	4.32	4.32	-7.25	3.6	6.89	8.84
Net Income Growth	-	-	-	-47.82%	-22.00%	5.33%
Shares Outstanding (Basic)	31	31	31	31	31	31
Shares Outstanding (Diluted)	32	32	31	31	31	31
Shares Change (YoY)	2.44%	2.44%	0.00%	0.13%	0.16%	1.03%
EPS (Basic)	0.14	0.14	-0.23	0.12	0.22	0.28
EPS (Diluted)	0.14	0.14	-0.23	0.12	0.22	0.28
EPS Growth	-	-	-	-47.96%	-22.18%	4.41%
Free Cash Flow	6.52	6.52	2.91	7.35	7.76	7.93
Free Cash Flow Per Share	0.20	0.20	0.09	0.24	0.25	0.25
Dividend Per Share	0.117	0.117	0.106	0.106	0.184	0.233
Dividend Growth	10.38%	10.38%	0%	-42.39%	-21.03%	1.30%
Operating Margin	12.02%	12.02%	8.32%	6.00%	12.21%	13.33%
Profit Margin	8.71%	8.71%	-14.56%	4.83%	9.64%	12.47%
Free Cash Flow Margin	13.13%	13.13%	5.84%	9.87%	10.85%	11.19%
EBITDA	6.8	6.8	4.96	5.21	9.47	10.18
EBITDA Margin	13.68%	13.68%	9.96%	6.99%	13.24%	14.37%
D&A For EBITDA	0.83	0.83	0.82	0.73	0.74	0.73
EBIT	5.97	5.97	4.15	4.47	8.73	9.45
EBIT Margin	12.02%	12.02%	8.32%	6.00%	12.21%	13.33%
Effective Tax Rate	18.94%	18.94%	-	17.16%	19.43%	15.72%
Revenue as Reported	49.67	49.67	49.8	74.51	71.52	70.89

Source: S&P Capital IQ. Insurance template. Financial Sources.