Personal Group (PGH) Competitors

Personal Group (LON:PGH) and Helios Underwriting (LON:HUW) are both small-cap financial services companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, valuation, profitability, media sentiment, risk, dividends, earnings and institutional ownership.

Does the media refer more to PGH or HUW?

In the previous week, Personal Group and Personal Group both had 2 articles in the media. Personal Group's average media sentiment score of 0.65 beat Helios Underwriting's score of 0.00 indicating that Personal Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Personal Group	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Helios Underwriting	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more volatility & risk, PGH or HUW?

Personal Group has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500. Comparatively, Helios Underwriting has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500.

Is PGH or HUW more profitable?

Personal Group has a net margin of 13.49% compared to Helios Underwriting's net margin of 6.96%. Personal Group's return on equity of 14.40% beat Helios Underwriting's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Personal Group	13.49%	14.40%	7.99%
Helios Underwriting	6.96%	12.61%	1.82%

Do analysts rate PGH or HUW?

Personal Group presently has a consensus target price of GBX 262.50, indicating a potential downside of 13.30%. Helios Underwriting has a consensus target price of GBX 239, indicating a potential upside of 9.32%. Given Helios Underwriting's higher probable upside, analysts clearly believe Helios Underwriting is more favorable than Personal Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Personal Group	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
Helios Underwriting	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has preferable earnings & valuation, PGH or HUW?

Helios Underwriting has higher revenue and earnings than Personal Group. Helios Underwriting is trading at a lower price-to-earnings ratio than Personal Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Personal Group	£33.69M	2.77	£4.55M	£14.91	20.31
Helios Underwriting	£247.79M	0.63	£17.25M	£23.85	9.17

Do insiders & institutionals believe in PGH or HUW?

40.3% of Personal Group shares are owned by institutional investors. Comparatively, 36.3% of Helios Underwriting shares are owned by institutional investors. 43.9% of Personal Group shares are owned by insiders. Comparatively, 57.3% of Helios Underwriting shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is PGH or HUW a better dividend stock?

Personal Group pays an annual dividend of GBX 12 per share and has a dividend yield of 4.0%. Helios Underwriting pays an annual dividend of GBX 6 per share and has a dividend yield of 2.7%. Personal Group pays out 80.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Helios Underwriting pays out 25.2% of its earnings in the form of a dividend.

Summary

Personal Group beats Helios Underwriting on 10 of the 16 factors compared between the two stocks.