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Personal Group Holdings Plc (AIM: PGH) is a workforce benefits and services provider. The Group enables employers across the UK to improve employee engagement and support their people’s physical, mental, social and financial wellbeing.

Personal Group provides health insurance services and a broad range of employee benefits, engagement, and wellbeing products. Its offerings can also be delivered through its proprietary app, Hapi, and the recently developed extension to the platform, Hapiflex.

The Group’s growth strategy is centred around widening the footprint of the business into the SME, talent-led & Public Sectors, thereby expanding the addressable customer base. In addition, it aims to grow in its existing industrial heartlands, to re-invigorate growth in insurance policyholders and to drive the use of its SaaS offerings.

Group Clients include: Airbus, Barchester Healthcare, British Transport Police, Merseyrail, Randstad, Royal Mail Group, The Royal Mint, the Sandwell & Birmingham NHS Trust, Stagecoach Group plc, and The University of York. 34% of clients are served by two or more group companies.

Personal Group maintains a dividend policy, paying a total dividend of 10.6p per share in the financial year ending 31 December 2022.


  • Martin Bennett (Non-Exec Chair): 15 years FTSE 100 HomeServe plc as CEO, COO & CFO in UK, US and Europe
  • Deborah Frost (CEO): Joined Feb 2019. Previously worked at M & S, Nationwide, & Towers Perrin. She co-found Innecto Reward Consulting now part of Personal Group
  • Sarah Mace (CFO):joined Personal Group Jan 2014 Previously Head of Finance for Chicago Leisure Ltd
  • Maria Darby-Walker (Snr NED):Partner and Board Director of  Lansons, where she launched the Churchill Insurance brand
  • NED’s: Bob Head, Andy Lothian, Ciaran Astin


P&L31 Dec 2023
31 Dec 2022
Profit/ (Loss) before tax4,324(7,253)
Total dividend per share11.7p10.6p
Balance Sheet31 Dec 2023
31 Dec 2022
Cash & Cash Equivalents17,49716,958
Total Assets49,18746,609
Total Liabilities(17,192)(13,186)
Total Equity & Liabilities49,18744,164

Major Shareholders

Deborah Frost – 0.97%
Andrew Lothian – 0.12%
Sarah Mace – 0.04%
Ciaran Astin – 0.04%
Maria Darby-Walker – 0.02%
Karen Thornley – 0.01%

Christopher Johnson – 36.31%
Premier Miton Group – 13.43%
Close Brothers Group – 10%
Rathbones – 5.99%
Chelverton Asset Mgt – 5.35%
Personal Group Trustees Ltd – 0.28%
Personal Group Holdings – 1.29%

Media Coverage

Insurance Business: “Personal Group Holdings eyes future growth on back of H1 results”

Workplace benefits and services provider Personal Group Holdings has announced its interim results for the six months to June 30. Despite the challenging economic environment, the group declared a 5.8% increase in revenue to £34.7 million. Its annual premium income for the group’s largest segment – affordable insurance –rose by 7% to £26.2 million, providing a strong basis for future growth post pandemic.

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