Personal Group Holdings Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 26, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	105	58	58	61	101	64
Market Cap Growth	65.47%	1.04%	-5.61%	-39.64%	57.77%	-38.50%
Enterprise Value	82	38	37	41	82	48
PE Ratio	16.57	8.97	13.33	-	28.13	9.30
PS Ratio	2.28	1.33	1.49	1.23	1.36	0.90
PB Ratio	3.02	1.67	1.80	1.97	2.45	1.57
P/FCF Ratio	10.62	5.14	8.84	21.00	13.76	8.27
P/OCF Ratio	10.33	5.09	8.63	18.85	13.33	7.92
EV/Sales Ratio	1.79	0.87	0.97	0.83	1.10	0.68
EV/EBITDA Ratio	9.10	4.90	5.71	8.31	15.74	5.10
EV/EBIT Ratio	9.34	5.28	6.54	9.95	18.31	5.53
EV/FCF Ratio	8.32	3.37	5.73	14.18	11.14	6.23
Debt / Equity Ratio	0.01	0.03	0.04	0.01	0.01	0.02
Debt / EBITDA Ratio	0.02	0.11	0.16	0.05	0.08	0.07
Debt / FCF Ratio	0.02	0.09	0.17	0.10	0.06	0.09
Net Debt / Equity Ratio	-0.65	-0.52	-0.42	-0.54	-0.48	-0.41
Net Debt / EBITDA Ratio	-2.72	-2.32	-2.06	-3.36	-3.81	-1.79
Net Debt / FCF Ratio	-2.30	-1.60	-2.06	-5.74	-2.69	-2.18
Quick Ratio	2.77	2.49	2.24	2.73	2.30	2.14
Current Ratio	2.77	2.63	2.39	2.78	2.48	2.27
Asset Turnover	0.96	0.87	0.83	0.98	1.28	1.24
Return on Equity (ROE)	19.91%	16.54%	13.27%	-20.08%	8.77%	17.50%
Return on Assets (ROA)	11.47%	9.00%	7.65%	5.09%	4.80%	9.46%
Return on Invested Capital (ROIC)	19.99%	17.00%	14.60%	11.35%	8.91%	17.54%
Earnings Yield	7.42%	11.15%	7.50%	-11.88%	3.55%	10.75%
FCF Yield	9.42%	19.46%	11.31%	4.76%	7.27%	12.10%
Dividend Yield	5.34%	9.43%	7.27%	6.60%	4.16%	11.84%
Payout Ratio	66.07%	59.38%	80.53%	-	90.19%	60.15%
Buyback Yield / Dilution	-1.89%	-1.33%	-2.44%	-0.00%	-0.13%	-0.16%
Total Shareholder Return	3.54%	8.10%	4.83%	6.60%	4.03%	11.68%

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