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Personal Group Holdings Plc
PGH.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £48.37M | 15.1% | £7.30M | £10.64M | N/A |
| 2027 | £54.46M | 15.1% | £8.22M | £11.98M | £10.89M |
| 2028 | £61.32M | 15.1% | £9.26M | £13.49M | £11.15M |
| 2029 | £69.05M | 15.1% | £10.43M | £15.19M | £11.41M |
| 2030 | £77.75M | 15.1% | £11.74M | £17.11M | £11.68M |
| 2031 | £87.55M | 15.1% | £13.22M | £19.26M | £11.96M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.22 | 2025-12-31 |
| EPS growth | +9.5% | Forecast years: 5 |
| Future EPS | £0.346 | EPS × (1 + G)^5 |
| Base P/E | 13.4 | P/E |
| Future price | £4.641 | Future EPS × P/E |
| Fair value today | £2.882 | PV @ 10.0% |
| 30% safety price | £2.017 | Margin of safety |
| 50% safety price | £1.441 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | £1,015.95 | £1,128.28 | £1,281.46 |
| 10.0% | £902.69 | £985.51 | £1,093.82 |
| 11.0% | £813.46 | £876.52 | £956.40 |