Personal Group Holdings Plc (AIM:PGH)

Personal Group Holdings Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 28, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	128	98	58	58	61	101
Market Cap Growth	44.72%	67.65%	1.04%	-5.61%	-39.64%	57.77%
Enterprise Value	104	75	38	37	41	82
PE Ratio	18.42	13.40	8.97	13.33	-	28.13
PS Ratio	2.66	2.02	1.33	1.50	1.23	1.36
PB Ratio	3.48	2.65	1.67	1.80	1.97	2.45
P/FCF Ratio	13.51	10.29	5.14	8.84	21.00	13.76
P/OCF Ratio	12.98	9.89	5.09	8.63	18.85	13.33
EV/Sales Ratio	2.15	1.55	0.87	0.97	0.83	1.10
EV/EBITDA Ratio	10.85	8.37	4.90	5.71	8.31	15.74
EV/EBIT Ratio	12.24	8.84	5.28	6.54	9.95	18.31
EV/FCF Ratio	10.93	7.89	3.37	5.73	14.18	11.14
Debt / Equity Ratio	0.01	0.01	0.03	0.04	0.01	0.01
Debt / EBITDA Ratio	0.05	0.05	0.11	0.16	0.05	0.08
Debt / FCF Ratio	0.05	0.05	0.09	0.17	0.10	0.06
Net Debt / Equity Ratio	-0.67	-0.67	-0.52	-0.42	-0.54	-0.48
Net Debt / EBITDA Ratio	-2.75	-2.75	-2.32	-2.06	-3.36	-3.81
Net Debt / FCF Ratio	-2.59	-2.59	-1.60	-2.06	-5.74	-2.69
Quick Ratio	2.21	2.21	2.49	2.24	2.73	2.30
Current Ratio	2.35	2.35	2.63	2.39	2.78	2.48
Asset Turnover	0.89	0.89	0.87	0.82	0.98	1.28
Return on Equity (ROE)	20.34%	20.34%	16.54%	13.27%	-20.08%	8.77%
Return on Assets (ROA)	9.74%	9.74%	9.00%	7.65%	5.09%	4.80%
Return on Invested Capital (ROIC)	20.28%	20.07%	17.00%	14.60%	11.35%	8.91%
Earnings Yield	5.68%	7.46%	11.15%	7.50%	-11.88%	3.55%
FCF Yield	7.40%	9.72%	19.46%	11.31%	4.76%	7.27%
Dividend Yield	5.75%	7.77%	9.84%	7.59%	6.89%	4.34%
Payout Ratio	78.08%	78.08%	59.38%	80.53%	-	90.19%
Buyback Yield / Dilution	-2.07%	-1.86%	-1.33%	-2.44%	-0.00%	-0.13%
Total Shareholder Return	3.85%	5.91%	8.51%	5.15%	6.89%	4.21%

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