{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "53c2f76d-3a74-47b7-bd0c-72582961c590",
    "symbol": "PGH",
    "name": "Personal Group Holdings Plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/53c2f76d-3a74-47b7-bd0c-72582961c590/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "53c2f76d-3a74-47b7-bd0c-72582961c590",
      "symbol": "PGH",
      "name": "Personal Group Holdings Plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "PGH.L",
    "market_cap": 122086872.0,
    "market_cap_usd": 12444983365.0,
    "price": 387.5,
    "currency": "GBP",
    "dividend_yield": 0.0613,
    "dividend_years": 25,
    "dividend_growth_5y": 0.06474093,
    "dividend_cut_5y": true,
    "payout_ratio": 0.8235,
    "net_income": 7286000.0,
    "free_cash_flow": 6783000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.231,
    "revenue_growth_5y": -0.00711331,
    "net_margin": 0.1509,
    "roe": 0.20337,
    "pe_ratio": 17.613636,
    "price_vs_ma": 0.14601971,
    "return_3y": 0.78951685,
    "return_5y": 0.50643565,
    "max_drawdown": -0.60415334,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 14.5,
      "business_quality": 21.5,
      "valuation": 15.0,
      "trend": 12.0,
      "total": 79.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/",
      "chart": "https://sharemaestro.com/terminal/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 14.5,
    "business_quality": 21.5,
    "valuation": 15.0,
    "trend": 12.0,
    "total": 79.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend increased 84.1%",
      "detail": "Payment changed from 8.2 to 15.1.",
      "amount": 15.099999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 15.1 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 15.099999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2025-09-25",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend decreased -18.0%",
      "detail": "Payment changed from 10 to 8.2.",
      "amount": 8.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2025-09-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 8.2 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 8.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2025-04-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend increased 53.8%",
      "detail": "Payment changed from 6.5 to 10.",
      "amount": 10.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2025-04-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 10 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 10.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2024-10-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend increased 11.1%",
      "detail": "Payment changed from 5.85 to 6.5.",
      "amount": 6.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2024-10-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 6.5 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 6.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2024-03-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.85 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.85,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2023-10-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend increased 10.4%",
      "detail": "Payment changed from 5.3 to 5.85.",
      "amount": 5.85,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2023-10-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.85 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.85,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2023-04-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.3 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.2999997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2022-10-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.3 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.2999997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2022-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.3 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.2999997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2021-09-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.3 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.2999997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2021-04-01",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "Dividend decreased -13.6%",
      "detail": "Payment changed from 5.9 to 5.1.",
      "amount": 5.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2021-04-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.1 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    },
    {
      "event_date": "2020-08-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PGH",
      "exchange": "LSE",
      "headline": "PGH dividend payment 5.9 GBP",
      "detail": "Recorded dividend payment for Personal Group Holdings Plc.",
      "amount": 5.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53c2f76d-3a74-47b7-bd0c-72582961c590/"
    }
  ]
}