Personal Group Holdings (LSE:PGH) Debt-to-Equity : 0.04 (As of Dec. 2023)

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What is Personal Group Holdings Debt-to-Equity?

Personal Group Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was £0.56 Mil. Personal Group Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was £0.57 Mil. Personal Group Holdings's Total Stockholders Equity for the quarter that ended in Dec. 2023 was £32.00 Mil. Personal Group Holdings's debt to equity for the quarter that ended in Dec. 2023 was 0.04.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Personal Group Holdings's Debt-to-Equity or its related term are showing as below:

LSE:PGH' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.04
Current: 0.04

During the past 13 years, the highest Debt-to-Equity Ratio of Personal Group Holdings was 0.04. The lowest was 0.01. And the median was 0.02.

LSE:PGH's Debt-to-Equity is ranked better than
82.29% of 384 companies
in the Insurance industry
Industry Median: 0.24 vs LSE:PGH: 0.04

Personal Group Holdings Debt-to-Equity Historical Data

The historical data trend for Personal Group Holdings's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Personal Group Holdings Debt-to-Equity Chart

Personal Group Holdings Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.02

0.01

0.04

Personal Group Holdings Semi-Annual Data
	Jun14	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.01	-	0.01	-	0.04

Competitive Comparison of Personal Group Holdings's Debt-to-Equity

For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Personal Group Holdings's Debt-to-Equity Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Personal Group Holdings's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Personal Group Holdings's Debt-to-Equity falls into.

Personal Group Holdings Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Personal Group Holdings's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0.559	+	0.567)	/	31.995
	=	0.04

Personal Group Holdings's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0.559	+	0.567)	/	31.995
	=	0.04

Personal Group Holdings (LSE:PGH) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Personal Group Holdings Debt-to-Equity Related Terms

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Personal Group Holdings (LSE:PGH) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Personal Group Holdings PLC (LSE:PGH) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

PGH.GB:UK

Address

899 Silbury Boulevard, John Ormond House, Milton Keynes, GBR, MK9 3XL

Website

https://www.personalgroup.com

Personal Group Holdings PLC is a UK-based insurance that provides benefits and services focused on improving employee health, well-being, and engagement. The group is principally engaged in providing short-term accident and health insurance and provide salary sacrifice technology products. It provides a range of employee benefits, from retail discounts to salary sacrifice schemes, including cycle to work, childcare vouchers, and home technology as well as a range of in-house insurance products such as hospital cash plan, death benefit, and convalescence cover. The company manages its business into four reportable segments namely Pay & Reward, Benefits Platform, Affordable Insurance, and Other owned benefits.