Personal Group Holdings Plc (AIM:PGH)

Personal Group Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	34.15	32.17	28.71	25.41	24.67	28.83
Total Interest & Dividend Income	1.28	1.2	0.81	0.15	0.02	0.07
Non-Insurance Activities Revenue	10.54	10.28	8.93	24.01	49.61	42.38
Other Revenue	0.11	0.14	0.14	0.24	0.22	0.24
Total Revenue	46.08	43.78	38.59	49.8	74.51	71.52
Revenue Growth (YoY)	15.51%	13.45%	-22.52%	-33.16%	4.18%	0.90%
Policy Benefits	17.59	16.92	14.59	13.67	6.05	7.03
Selling, General & Administrative	11.64	11.46	10.52	8.97	14.64	12.61
Non-Insurance Activities Expense	7.65	7.81	7.36	22.6	49.26	42.89
Other Operating Expenses	0.07	0.07	0.09	0.03	-0.08	0.26
Reinsurance Income or Expense	-0.06	-0.08	-0.14	-0.08	-	-
Total Operating Expenses	37.26	36.54	32.87	45.66	70.04	62.79
Operating Income	8.82	7.23	5.71	4.14	4.47	8.73
Interest Expense	-0.09	-0.11	-0.08	-0.02	-0.03	-0.07
Other Non Operating Income (Expenses)	-0.12	-0.1	-0.1	-0.1	-0.1	-0.1
EBT Excluding Unusual Items	8.61	7.03	5.54	4.03	4.34	8.56
Merger & Restructuring Charges	-0.32	-0.32	-0.64	-	-	-
Impairment of Goodwill	-	-	-	-10.58	-	-
Gain (Loss) on Sale of Investments	0.08	0.12	0.18	-0.21	-	-
Pretax Income	8.36	6.83	5.08	-6.76	4.34	8.56
Income Tax Expense	1.72	1.3	0.9	0.49	0.75	1.66
Earnings From Continuing Ops.	6.65	5.53	4.18	-7.25	3.6	6.89
Earnings From Discontinued Ops.	1.15	0.97	0.15	-	-	-
Net Income	7.8	6.5	4.32	-7.25	3.6	6.89
Net Income to Common	7.8	6.5	4.32	-7.25	3.6	6.89
Net Income Growth	74.75%	50.23%	-	-	-47.82%	-22.00%
Shares Outstanding (Basic)	31	31	31	31	31	31
Shares Outstanding (Diluted)	33	32	32	31	31	31
Shares Change (YoY)	1.89%	1.33%	2.44%	0.00%	0.13%	0.16%
EPS (Basic)	0.25	0.21	0.14	-0.23	0.12	0.22
EPS (Diluted)	0.24	0.20	0.14	-0.23	0.12	0.22
EPS Growth	71.05%	48.21%	-	-	-47.96%	-22.18%
Free Cash Flow	9.9	11.34	6.52	2.91	7.35	7.76
Free Cash Flow Per Share	0.30	0.35	0.20	0.09	0.24	0.25
Dividend Per Share	0.182	0.165	0.117	0.106	0.106	0.184
Dividend Growth	51.35%	41.03%	10.38%	-	-42.39%	-21.03%
Operating Margin	19.13%	16.52%	14.80%	8.32%	6.00%	12.21%
Profit Margin	16.93%	14.84%	11.21%	-14.56%	4.83%	9.64%
Free Cash Flow Margin	21.49%	25.90%	16.90%	5.84%	9.87%	10.85%
EBITDA	8.38	7.79	6.54	4.96	5.21	9.47
EBITDA Margin	18.18%	17.80%	16.94%	9.96%	6.99%	13.24%
D&A For EBITDA	-0.44	0.56	0.83	0.82	0.73	0.74
EBIT	8.82	7.23	5.71	4.14	4.47	8.73
EBIT Margin	19.13%	16.52%	14.80%	8.32%	6.00%	12.21%
Effective Tax Rate	20.52%	19.02%	17.70%	-	17.16%	19.43%
Revenue as Reported	46.08	43.78	38.59	49.8	74.51	71.52

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.