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        <title>Mony Group Plc (LSE:MONY) Share Price, History, &amp; News | The Twelfth Magpie</title>
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	<title>Mony Group Plc (LSE:MONY) Share Price, History, &amp; News | The Twelfth Magpie</title>
	<link>https://stage2026.twelfthmagpie.com/tickers/lse-mony/</link>
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                                <title>P/E ratios of less than 10. Are these 3 FTSE value shares hot enough to consider buying now?</title>
                <link>https://stage2026.twelfthmagpie.com/2026/04/27/p-e-ratios-of-less-than-10-are-these-3-ftse-value-shares-hot-enough-to-consider-buying-now/</link>
                                <pubDate>Mon, 27 Apr 2026 05:18:00 +0000</pubDate>
                <dc:creator><![CDATA[Paul Summers]]></dc:creator>
                		<category><![CDATA[Investing Articles]]></category>
		<category><![CDATA[Value Shares]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1679448</guid>
                                    <description><![CDATA[<p>Paul Summers takes a closer look at three value stocks that could reward brave investors in time. But they're certainly not risk-free. </p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/27/p-e-ratios-of-less-than-10-are-these-3-ftse-value-shares-hot-enough-to-consider-buying-now/">P/E ratios of less than 10. Are these 3 FTSE value shares hot enough to consider buying now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">One very popular method among investors, including the great Warren Buffett, is to look for and buy value stocks. These are companies that are, for a variety of reasons, trading on low valuations relative to their fundamentals.</p>



<p class="wp-block-paragraph">Looking around, I can see a few of potential opportunities to consider in the UK market.</p>



<h2 class="wp-block-heading" id="h-turnaround-candidate">Turnaround candidate?</h2>



<p class="wp-block-paragraph">Broadcaster <strong>ITV</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-itv/">LSE: ITV</a>) is arguably one example. Based on analyst projections, its shares currently change hands at a <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/pe-ratio/" id="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/pe-ratio/">price-to-earnings (P/E) ratio</a> of just under 10.</p>



<p class="wp-block-paragraph">The trouble is that the performance of the share price over the long term leaves a lot to be desired. Anyone picking up the stock five years ago will have endured a 33% fall. Sure, dividends received over this period would have soothed the paper loss to some extent. But this is akin to treading water. It&#8217;s not a recipe for getting rich.</p>



<p class="wp-block-paragraph"><div class="tmf-chart-singleseries" data-title="ITV Price" data-ticker="LSE:ITV" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>
</p>



<p class="wp-block-paragraph">Can long-standing CEO Carolyn Mccall and her team turn things around?  The sheer amount of competition ITV faces along with the structural decline in TV advertising suggests it will be tough. But more growth in its Studios division would certainly do no harm. I also wouldn&#8217;t rule out a takeover bid or two.</p>



<p class="wp-block-paragraph">In the meantime, the stock offers a forecast yield of 6.3%.</p>



<h2 class="wp-block-heading" id="h-huge-dividend-yield">Huge dividend yield</h2>



<p class="wp-block-paragraph">Price comparison websites provider <strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>) is a second mid-cap value stock that catches the eye and may be worth further research. Like the broadcaster, its share price has been going down for some time now. We&#8217;re talking about a 14% fall in the last 12 months.</p>



<p class="wp-block-paragraph">A lot of this seems to be fuelled by concerns over the £900m cap&#8217;s ability to grow. Yes, revenue is ticking up but this is not the sort of momentum that&#8217;s going to get investors busting a gut to buy. The large number of share sales by directors in March doesn&#8217;t bode well either.</p>



<p class="wp-block-paragraph"><div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>
</p>



<p class="wp-block-paragraph">All that said, MONY trades on a P/E of nine. That looks remarkably cheap considering the above-average margins it consistently posts. The launch of a new MoneySuperMarket Chat GPT app also shows how it&#8217;s leveraging artificial intelligence (AI) to enhance services for customers.</p>



<p class="wp-block-paragraph">The <a href="https://stage2026.twelfthmagpie.com/investing-basics/getting-started-in-investing/passive-income-ideas/" id="https://stage2026.twelfthmagpie.com/investing-basics/getting-started-in-investing/passive-income-ideas/">passive income</a> is worth mentioning too. At a chunky 7.6%, the forecast yield is over double that of the <strong>FTSE 250</strong>.</p>



<h2 class="wp-block-heading" id="h-how-cheap">How cheap?</h2>



<p class="wp-block-paragraph">By contrast to the previous two stocks, <strong>JD Sports Fashion</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-jd/">LSE: JD</a>) pays relatively little in dividends. So there won&#8217;t be much in the way of compensation for buyers if the shares keep falling in value. They&#8217;re already down nearly 20% in 2026 alone!</p>



<p class="wp-block-paragraph"><div class="tmf-chart-singleseries" data-title="JD Sports Fashion plc. Price" data-ticker="LSE:JD." data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>
</p>



<p class="wp-block-paragraph">The outlook isn&#8217;t great either. With inflation on the rise due to the conflict between Iran and the US, it&#8217;s likely that shoppers will be looking to cut back (again) on discretionary purchases.</p>



<p class="wp-block-paragraph">But I still think there&#8217;s a lot to like. JD&#8217;s ongoing growth strategy in the US is progressing well and now accounts for a significant amount of total revenue. The forthcoming footfball World Cup could also provide a boost to earnings (even during tough times) thanks to long-standing partnerships with key brands such as <strong>Nike</strong> and <strong>Adidas</strong>.</p>



<p class="wp-block-paragraph">To cap things off, it&#8217;s also the cheapest of the three. The P/E here&#8217;s a little less than six! If/when sentiment improves, those brave enough to think about investing now could be rewarded.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/27/p-e-ratios-of-less-than-10-are-these-3-ftse-value-shares-hot-enough-to-consider-buying-now/">P/E ratios of less than 10. Are these 3 FTSE value shares hot enough to consider buying now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>An 8%+ dividend yield forecast? This passive income gem is one to watch</title>
                <link>https://stage2026.twelfthmagpie.com/2026/04/13/an-8-dividend-yield-forecast-this-passive-income-gem-is-one-to-watch/</link>
                                <pubDate>Mon, 13 Apr 2026 07:19:00 +0000</pubDate>
                <dc:creator><![CDATA[Jon Smith]]></dc:creator>
                		<category><![CDATA[Dividend Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1673801</guid>
                                    <description><![CDATA[<p>Jon Smith talks through a company with a positive outlook when it comes to dividend payments, and explains why it could be a good passive income stock.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/13/an-8-dividend-yield-forecast-this-passive-income-gem-is-one-to-watch/">An 8%+ dividend yield forecast? This passive income gem is one to watch</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">The <strong>FTSE 250</strong> average dividend yield is 3.4%. When I compare it to the base interest rate of 3.75%, that&#8217;s OK. However, more active stock selection can help an investor easily exceed the average dividend payments. In fact, it&#8217;s possible to aim for over 8% when building a passive income portfolio. Here&#8217;s one stock to consider.</p>



<h2 class="wp-block-heading" id="h-company-details">Company details</h2>



<p class="wp-block-paragraph">I&#8217;m talking about <strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE:MONY</a>). The company has a <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/dividend-yield/" target="_blank" rel="noreferrer noopener">dividend yield</a> of 7.8%, and its share price is down 11% over the past year.</p>



<p class="wp-block-paragraph">If you’ve ever compared car insurance or broadband deals online, chances are you’ve already used one of MONY Group&#8217;s platforms without even realising it. The company sits behind household names like MoneySuperMarket and MoneySavingExpert, acting as a middleman that connects consumers with financial providers. It earns referral fees when users switch products, operating a relatively simple business model.</p>



<p class="wp-block-paragraph">In terms of the stock&#8217;s decline over the past year, the biggest culprit has been a slowdown in the insurance market. After a period of high premiums (which boosted switching activity and profits), prices have started to fall. This has reduced consumers&#8217; incentive to shop around. Insurance is the largest <a href="https://stage2026.twelfthmagpie.com/investing-basics/understanding-company-accounts/" target="_blank" rel="noreferrer noopener">revenue contributor</a> for MONY Group (double the size of the next-largest segment), but revenue fell by £3m in 2025 compared with 2024.</p>



<p class="wp-block-paragraph">Another risk going forward is ongoing fears that AI could bypass comparison sites. It could effectively replace the MONY Group site, though I think this concern is overblown.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<h2 class="wp-block-heading" id="h-the-future">The future</h2>



<p class="wp-block-paragraph">Before we get to the dividend discussion, let&#8217;s consider why I think the company&#8217;s overall outlook is positive. A big factor is the potential for a cyclical recovery. If inflation worries ease and UK interest rates fall later this year, consumer activity should pick up. Even without that external factor, structural growth should come from the continued traction that the &#8216;SuperSaveClub”&#8217;subscription model is getting.</p>



<p class="wp-block-paragraph">This provides higher-margin recurring revenue and better customer lifetime value. Finally, the business is investing heavily in technology. This is primarily via investments in AI tools and platform improvements. This should enhance the user experience and reduce costs.</p>



<p class="wp-block-paragraph">Now let&#8217;s get to the dividend forecast. The dividend per share has been ticking higher for the past few years. Over the past year, the total paid has been 12.63p. Analysts expect this to rise to 13.13p next year, then to 13.36p in 2028. If I assume the share price stays at 162p, this would translate to a yield of 8.24%.</p>



<p class="wp-block-paragraph">Of course, the stock could rise or fall by then, meaning the actual yield could be higher or lower. But a move higher in the dividend, along with the potential for advances within the company, makes the stock look attractive right now. Investors who agree with my thinking could consider buying.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/13/an-8-dividend-yield-forecast-this-passive-income-gem-is-one-to-watch/">An 8%+ dividend yield forecast? This passive income gem is one to watch</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>A 9.2% forecast yield and 59% undervalued! 1 dirt cheap FTSE income gem to buy today? </title>
                <link>https://stage2026.twelfthmagpie.com/2026/04/02/a-9-2-forecast-yield-and-59-undervalued-1-dirt-cheap-ftse-income-gem-to-buy-today/</link>
                                <pubDate>Thu, 02 Apr 2026 06:20:00 +0000</pubDate>
                <dc:creator><![CDATA[Simon Watkins]]></dc:creator>
                		<category><![CDATA[Dividend Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1669944</guid>
                                    <description><![CDATA[<p>This dependable, asset‑light FTSE income share yields 8.3%, which is forecast to rise, and looks deeply undervalued, driven by strong earnings growth. </p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/02/a-9-2-forecast-yield-and-59-undervalued-1-dirt-cheap-ftse-income-gem-to-buy-today/">A 9.2% forecast yield and 59% undervalued! 1 dirt cheap FTSE income gem to buy today? </a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">This <strong>FTSE</strong> income share has quietly become one of the most compelling opportunities in the market today, in my view.</p>



<p class="wp-block-paragraph">Its asset‑light model, resilient cash flows and long record of dependable dividends have supported the payout through thick and thin. At the same time, a sharply depressed share price has created an unusually high yield and a striking valuation gap.</p>



<p class="wp-block-paragraph">With earnings now recovering across its core switching markets, the disconnect between price and fundamentals looks increasingly hard to justify. And the dividend yield potential is difficult to ignore.</p>



<p class="wp-block-paragraph">So what sort of returns might investors be looking at here?</p>



<h2 class="wp-block-heading" id="h-dividend-gains-potential"><strong>Dividend gains potential</strong></h2>



<p class="wp-block-paragraph">Tech-led savings company <strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>) &#8212; formerly Moneysupermarket.com &#8212; already offers an 8.4% dividend yield. But analysts forecast its dividend will rise to 13.1p this year, 13.4p next year and 13.9p in 2028.</p>



<p class="wp-block-paragraph">These would generate respective dividend yields of 8.7%, 8.9% and 9.2% on the current £1.51 share price. The latter is nearly triple the <strong>FTSE 100</strong>’s 3.1% average and more than two-and-a-half times the <strong>FTSE 250</strong>’s 3.4%.</p>



<p class="wp-block-paragraph">Based on the 9.2% average &#8212; although this <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/dividend-yield/">can go down or up</a> over time &#8212; a £20,000 holding in the firm has the <span style="text-decoration: underline">potential</span> to make £30,010 after 10 years and £292,688 after 30 years. This also assumes <a href="https://stage2026.twelfthmagpie.com/investing-basics/the-miracle-of-compound-returns/">dividend compounding</a> is used to effectively turbocharge these payouts.</p>



<p class="wp-block-paragraph">By the end of the cycle, the value of the holding (including the £20,000 original stake) could be £312,688. And this could pay an annual income (from dividends alone) of £26,927!</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="2021-04-02" data-end-date="2026-04-02" data-comparison-value=""></div>



<h2 class="wp-block-heading" id="h-share-price-gains"><strong>Share price gains?</strong></h2>



<p class="wp-block-paragraph">Price and value are not the same thing in shares. Price is just whatever the market will pay at any time, while value reflects the underlying fundamentals of the business. This distinction matters, because over time a stock’s price tends to move towards its ‘fair value’ &#8212; whether up or down.</p>



<p class="wp-block-paragraph">Discounted cash flow (DCF) analysis is the method by which any stock’s fair value can be identified. It projects a company’s future cash flows and then discounts them back to today to arrive at a present‑value estimate.</p>



<p class="wp-block-paragraph">Different analysts will reach different conclusions based on the assumptions they use. My DCF modelling — which uses an 8.8% discount rate — shows MONY’s shares are around 59% undervalued at the current £1.51 price.</p>



<p class="wp-block-paragraph">That implies a fair value of roughly £3.68 &#8212; more than double where the stock trades today. So that gap suggests a potentially terrific buying opportunity if those DCF assumptions prove right.</p>



<h2 class="wp-block-heading" id="h-my-investment-view"><strong>My investment view</strong></h2>



<p class="wp-block-paragraph">Earnings growth powers any firm’s dividends and share price over time. One risk here to MONY is a cyber security breach, which could be costly to fix and could damage customer trust. Another is any regulatory changes to price‑comparison rules or data‑sharing requirements that could squeeze its margins.</p>



<p class="wp-block-paragraph">However, analysts forecast that MONY’s earnings will grow an average of 7.5% a year over the medium term. This momentum appears well supported in its 2025 results, which showed record revenue of £446m and record adjusted earnings before interest, tax, depreciation, and amortisation of £145m.</p>



<p class="wp-block-paragraph">I already hold several financial sector stocks, so owning another would unsettle the risk/reward balance of my portfolio. But for investors without this problem, I think MONY Group offers one of the most attractive combinations of income, value and earnings momentum anywhere in the FTSE today.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/04/02/a-9-2-forecast-yield-and-59-undervalued-1-dirt-cheap-ftse-income-gem-to-buy-today/">A 9.2% forecast yield and 59% undervalued! 1 dirt cheap FTSE income gem to buy today? </a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>How much would someone need in an ISA to target a £1,000 monthly second income?</title>
                <link>https://stage2026.twelfthmagpie.com/2026/03/24/how-much-would-someone-need-in-an-isa-to-target-a-1000-monthly-second-income/</link>
                                <pubDate>Tue, 24 Mar 2026 16:05:00 +0000</pubDate>
                <dc:creator><![CDATA[Christopher Ruane]]></dc:creator>
                		<category><![CDATA[Dividend Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>
		<category><![CDATA[Trending]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1665520</guid>
                                    <description><![CDATA[<p>Christopher Ruane explains how someone could use an empty Stocks and Shares ISA to target a four-figure monthly second income within a decade.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/24/how-much-would-someone-need-in-an-isa-to-target-a-1000-monthly-second-income/">How much would someone need in an ISA to target a £1,000 monthly second income?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">Earning dividends from the shares of proven blue-chip businesses is a common way to try and earn some extra money. Done the right way, it can potentially provide a substantial second income over time.</p>



<p class="wp-block-paragraph">How big an ISA would someone need to target a four-figure monthly income this way?</p>



<h2 class="wp-block-heading" id="h-the-income-economics-here-are-quite-simple">The income economics here are quite simple</h2>



<p class="wp-block-paragraph">The amount needed will depend on the average dividend yield of the ISA. Yield is basically what an investment earns annually in dividends, expressed as a percentage of the price paid for it.</p>



<p class="wp-block-paragraph">As investors pay different prices even for the same share over the course of time, different investors often do not earn the same yield even from the same share.</p>



<p class="wp-block-paragraph">£1k a month adds up to £12k per year. To keep things simple for illustration purposes, imagine the yield is 10%. That would mean the ISA needs to be worth £120k to generate the target second income.</p>



<p class="wp-block-paragraph">In practice, blue-chip shares rarely offer such a yield. At the moment, the flagship <strong>FTSE 100</strong> index of leading shares is yielding 3%.</p>



<p class="wp-block-paragraph">That is only an average, though. I think a higher yield is realistic in today’s market even when sticking to a diversified selection of quality businesses. </p>



<p class="wp-block-paragraph">I reckon 6% is achievable; that would mean the ISA needs £200k in it to hit the second income target.</p>



<h2 class="wp-block-heading" id="h-building-the-isa-up-over-time">Building the ISA up over time</h2>



<p class="wp-block-paragraph">That is 10 times most people’s annual <a href="https://stage2026.twelfthmagpie.com/personal-finance/share-dealing/guides/what-is-the-isa-allowance/">ISA contribution allowance</a>.</p>



<p class="wp-block-paragraph">Does it require a decade of saving then? Not necessarily, even for someone starting from scratch. </p>



<p class="wp-block-paragraph">By investing £20k per year and <a href="https://stage2026.twelfthmagpie.com/investing-basics/the-miracle-of-compound-returns/">compounding</a> (reinvesting) the dividends, the ISA should be worth £200k after nine years.</p>



<h2 class="wp-block-heading" id="h-constructing-an-isa-portfolio-the-right-way">Constructing an ISA portfolio the right way</h2>



<p class="wp-block-paragraph">I already mentioned diversification: that is a simple but important form of risk management that basically means not putting all your eggs in one basket.</p>



<p class="wp-block-paragraph">An investor can make other smart moves when it comes to managing their Stocks and Shares ISA, from <a href="https://stage2026.twelfthmagpie.com/personal-finance/share-dealing/stocks-and-shares-isa/">comparing providers</a> &#8212; to choose one that seems best for their personal needs &#8212; to carefully assessing a company’s likely future dividends, not just looking at its track record. Dividends are never guaranteed to last.</p>



<h2 class="wp-block-heading" id="h-here-s-an-income-share-to-consider">Here’s an income share to consider</h2>



<p class="wp-block-paragraph">One dividend share I think is worth investors considering right now is <strong>FTSE 250</strong> firm <strong>MONY </strong>(<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>), the owner of businesses including Money Supermarket.</p>



<p class="wp-block-paragraph">The fear that AI could eat into the price comparison website’s customer usage explains why its share price has tumbled 23% over the past year.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">I think that AI risk is real. But I also think MONY could well be able to navigate around it, emphasising its deep experience, focus on specific financial products, and ability to offer complex products in a way that for now at least AI tools would struggle to do.</p>



<p class="wp-block-paragraph">The business is proven and highly cash generative. That helps support a generous dividend. Indeed, the dividend yield currently stands at 8.1%.</p>



<p class="wp-block-paragraph">The next few years promise to be challenging ones for the firm as AI starts to play a more prominent role in financial service cost comparison. </p>



<p class="wp-block-paragraph">But I reckon MONY could play to its strengths, keep throwing off spare cash, and hopefully pumping out chunky dividends.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/24/how-much-would-someone-need-in-an-isa-to-target-a-1000-monthly-second-income/">How much would someone need in an ISA to target a £1,000 monthly second income?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>Why do 2 of my favourite second income stocks look so cheap right now?</title>
                <link>https://stage2026.twelfthmagpie.com/2026/03/17/why-do-2-of-my-favourite-second-income-stocks-look-so-cheap-right-now/</link>
                                <pubDate>Tue, 17 Mar 2026 07:02:00 +0000</pubDate>
                <dc:creator><![CDATA[Mark Hartley]]></dc:creator>
                		<category><![CDATA[Dividend Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1661042</guid>
                                    <description><![CDATA[<p>Our writer was shocked to find two dividend stocks in his second income portfolio trading at prices far below fair value. What’s going on?</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/17/why-do-2-of-my-favourite-second-income-stocks-look-so-cheap-right-now/">Why do 2 of my favourite second income stocks look so cheap right now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
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<p class="wp-block-paragraph">Building a second income from the stock market is much easier when you own a handful of reliable dividend payers. By that I mean highly competitive companies with sensible levels of debt, real-world demand for their products, and earnings that don’t swing wildly from year to year.</p>



<p class="wp-block-paragraph">In other words, businesses that can keep paying (and ideally growing) their dividends through good times and bad. How does that look in practice?</p>



<p class="wp-block-paragraph">Well, here are two <strong>FTSE</strong>-listed companies that not only fit the bill but also look heavily undervalued right now.</p>


<div class="tmf-chart-multipleseries" data-title="Mony Group Plc + Admiral Group Price" data-tickers="LSE:MONY LSE:ADM" data-range="5y" data-start-date="" data-end-date="" data-comparison-value="percent"></div>



<h2 class="wp-block-heading" id="h-mony-group">MONY Group</h2>



<p class="wp-block-paragraph"><strong>MONY Group</strong>&#8216;s (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>) a good example of this type of business. It runs a host of comparison sites which earn fees by connecting customers with insurers, lenders and other providers. It&#8217;s a simple online model that doesn’t require heavy capital spending.</p>



<p class="wp-block-paragraph">Revenues have been growing steadily, recently hitting a record £445m, with earnings slowly rising 1%-2% a year. That indicates steady growth despite a tough backdrop for some consumer markets. And with cashflow improving, the board recently launched a share buyback, suggesting confidence in the business.</p>



<p class="wp-block-paragraph">But the real kicker lies in the low valuation. Estimates suggest it&#8217;s trading at around 53% below fair value using a <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/discounted-cash-flow-dcf/" target="_blank" rel="noreferrer noopener">discounted cash flow</a> (DCF) basis. So why is the market so pessimistic about its long-term prospects?</p>



<p class="wp-block-paragraph">It may be because it&#8217;s exposed to online advertising trends and competitive pressure in the price comparison sector. A downturn in customer activity or higher costs could put pressure on profits and future dividends.</p>



<p class="wp-block-paragraph">But the yield makes it undeniably attractive, sitting at roughly 7.5%. The payout ratio of 82.4% is a bit high but okay for now. Encouragingly, its debt-to-equity ratio is only 0.14, meaning borrowings are very low, and <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/return-on-equity-and-return-on-capital-employed/">return on equity</a> (ROE) is a punchy 34%.</p>



<p class="wp-block-paragraph">That shows just how well management is squeezing a lot of profit out of shareholders’ capital.</p>



<h2 class="wp-block-heading" id="h-admiral-group">Admiral Group</h2>



<p class="wp-block-paragraph">In 2024, <strong>Admiral Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-adm/">LSE: ADM</a>) reported an impressive set of numbers, with profit before tax jumping 90% to about £839m. Earnings per share (EPS) rose an astonishing 95%, and turnover grew 28% to just over £6.1bn.</p>



<p class="wp-block-paragraph">But it&#8217;s important to note these are likely one-off results. That bounce reflects an unusually strong recovery in the UK motor insurance sector. A drawn-out period of heavy claims inflation means premiums have been raised to catch up with rising repair and parts costs.</p>



<p class="wp-block-paragraph">The main watchpoint is leverage: a debt-to-equity (D/E) ratio of 1.3 is on the high side, which makes it more sensitive to shocks, and the insurance cycle can turn quickly if claims costs spike faster than premiums.</p>



<p class="wp-block-paragraph">Still, the valuation and income profile are appealing. Trading at roughly 48% below its estimated DCF fair value, it offers a 6.4% dividend yield and payout ratio of 83.2%. High, but acceptable, given its profitability &#8212; ROE at 53% is exceptionally high for an insurer.</p>



<h2 class="wp-block-heading" id="h-a-wealth-of-opportunities">A wealth of opportunities</h2>



<p class="wp-block-paragraph">For UK investors aiming to build a sustainable second income stream, identifying the right characteristics makes all the difference. Attractive yields, strong return on equity, and undervalued share prices are just three important factors to consider.</p>



<p class="wp-block-paragraph">MONY Group and Admiral are just two examples of undervalued dividend stocks to consider right now. But with geopolitical and economic shocks happening on a daily basis, it&#8217;s critical to keep track of how markets are impacted.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/17/why-do-2-of-my-favourite-second-income-stocks-look-so-cheap-right-now/">Why do 2 of my favourite second income stocks look so cheap right now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>With a P/E of 9.5 and 7.4% dividend yield, is this FTSE 250 stock a no-brainer?</title>
                <link>https://stage2026.twelfthmagpie.com/2026/03/02/with-a-p-e-of-9-5-and-7-4-dividend-yield-is-this-ftse-250-stock-a-no-brainer/</link>
                                <pubDate>Mon, 02 Mar 2026 09:00:00 +0000</pubDate>
                <dc:creator><![CDATA[James Beard]]></dc:creator>
                		<category><![CDATA[Investing Articles]]></category>
		<category><![CDATA[Value Shares]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1655002</guid>
                                    <description><![CDATA[<p>James Beard takes a closer look at a member of the FTSE 250 that offers one of the biggest yields on the index. Could it be a bit of a bargain?</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/02/with-a-p-e-of-9-5-and-7-4-dividend-yield-is-this-ftse-250-stock-a-no-brainer/">With a P/E of 9.5 and 7.4% dividend yield, is this FTSE 250 stock a no-brainer?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
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<p class="wp-block-paragraph">The <strong>FTSE 250</strong> is stuffed full of dividend shares, including over 20 offering a return of 7% or more. But what if one of them also had a current (2 March) earnings multiple of just 10?</p>



<p class="wp-block-paragraph">Would this make it a bit of a no-brainer buy? Or could it all be too good to be true? Let’s find out.</p>



<h2 class="wp-block-heading" id="h-the-big-reveal">The big reveal&#8230;</h2>



<p class="wp-block-paragraph"><strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE:MONY</a>) owns six brands, which it claims saved consumers £2.8bn in 2025. It earns revenue by transferring users of its websites and apps to third-party providers of insurance, money, home services, and travel products.</p>



<p class="wp-block-paragraph">Its most famous brands are probably <em>MoneySuperMarket</em> and <em>MoneySavingExpert</em>, which the group bought from Martin Lewis (once described as the most trusted man in Britain) in 2012.</p>



<p class="wp-block-paragraph">Since the pandemic, the group’s been steadily growing its revenue and earnings. Comparing 2025 with 2021, turnover was up 40.8% and adjusted basic earnings per share (EPS) was 50.4% higher. Over the same period, it <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-shares-are-taxed-2/how-dividends-are-taxed/">raised its dividend</a> by 7.9% in cash terms.</p>



<figure class="wp-block-image size-full is-resized"><img fetchpriority="high" decoding="async" width="940" height="293" src="https://stage2026.twelfthmagpie.com/wp-content/uploads/2026/02/image-19.png" alt="" class="wp-image-1655011" style="width:840px" /><figcaption class="wp-element-caption"><sup>Source: company website</sup></figcaption></figure>



<p class="wp-block-paragraph">Although the stock’s consistently offered a return higher than the FTSE 250 average, a falling share price – it’s down 40% since March 2021 &#8212; has lifted its yield higher. Based on its 2025 total payout, the stock’s presently yielding 7.4%, compared to 3.4% for the index as a whole.</p>



<figure class="wp-block-table has-p-small-font-size"><table><thead><tr><th><strong>Financial year</strong></th><th><strong>Share price</strong> (pence)</th><th><strong>Adjusted basic EPS</strong> (pence)</th><th><strong>Price-to-earnings ratio</strong></th><th><strong>Dividend</strong> (pence)</th><th><strong>Yield</strong> (%)</th></tr></thead><tbody><tr><td><strong>31.12.21</strong></td><td>216</td><td>11.9</td><td>18.2</td><td>11.71</td><td>5.4</td></tr><tr><td><strong>31.12.22</strong></td><td>192</td><td>14.4</td><td>13.3</td><td>11.71</td><td>6.1</td></tr><tr><td><strong>31.12.23</strong></td><td>280</td><td>16.2</td><td>17.3</td><td>12.10</td><td>4.3</td></tr><tr><td><strong>31.12.24</strong></td><td>192</td><td>17.1</td><td>11.2</td><td>12.50</td><td>6.5</td></tr><tr><td><strong>31.12.25</strong></td><td>184</td><td>17.9</td><td>10.3</td><td>12.63</td><td>6.9</td></tr></tbody></table><figcaption class="wp-element-caption"><sup>Source: company reports</sup></figcaption></figure>



<p class="wp-block-paragraph">As well as appearing to be great for passive income, the stock also looks attractive from a valuation perspective. It’s now trading at 9.6 times its 2025 EPS. This is well below its five-year high of over 18.</p>



<p class="wp-block-paragraph">And if the analysts’ forecasts prove to be accurate, the group’s <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/pe-ratio/">price-to-earnings ratio</a> looks set to fall further over the next two years, to 9.1 (2026) and 8.6 (2027).</p>



<p class="wp-block-paragraph">With several strong brands, a solid business proposition (who doesn’t want to save money?), a generous dividend (no guarantees), and cheap valuation, what’s not to like about the MONY Group?</p>



<h2 class="wp-block-heading" id="h-a-rapidly-changing-landscape">A rapidly changing landscape</h2>



<p class="wp-block-paragraph">Well, it appears to be suffering from a shift in sentiment towards asset-heavy stocks &#8212; remove intangibles from its 31 December 2025 balance sheet and it would have a negative book value.</p>



<p class="wp-block-paragraph">And it was recently caught by the fallout from the news that US tech business Insurify has developed an artificial intelligence (AI) tool that allows users to compare car insurance prices using ChatGPT.</p>



<p class="wp-block-paragraph">At one point in February, MONY Group’s share price fell to its lowest level in 13 years.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="2021-03-02" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">Since then, the group’s sought to reassure investors by launching its own ChatGPT-based app. </p>



<p class="wp-block-paragraph">And it’s reconfirmed that it sees AI as a way of cutting costs and increasing revenue rather than as a threat. MONY Group’s boss recently said: &#8220;<em>Our leading data and tech architecture&#8230; has positioned us exceptionally well to harness the opportunity of AI</em>&#8220;.</p>



<p class="wp-block-paragraph">This is important and I think it will go a long way to reassure investors. Personally, this news has also resulted in me changing my view about the group’s prospects. The new app addresses my previous concerns that its business model will be disrupted by AI. </p>



<p class="wp-block-paragraph">Now, with its healthy dividend and historically attractive valuation &#8212; on balance &#8212; I believe MONY Group&#8217;s one to consider. Of course, no stock&#8217;s a complete no-brainer but, in this case, after weighing up the pros and cons, I think now could be a good buying opportunity.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/03/02/with-a-p-e-of-9-5-and-7-4-dividend-yield-is-this-ftse-250-stock-a-no-brainer/">With a P/E of 9.5 and 7.4% dividend yield, is this FTSE 250 stock a no-brainer?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>The Dow Jones may be at 50k but these 3 UK shares are forecast to grow further in 2026</title>
                <link>https://stage2026.twelfthmagpie.com/2026/02/25/the-dow-jones-may-be-at-50k-but-these-3-uk-shares-are-forecast-to-grow-further-in-2026/</link>
                                <pubDate>Wed, 25 Feb 2026 06:05:09 +0000</pubDate>
                <dc:creator><![CDATA[Mark Hartley]]></dc:creator>
                		<category><![CDATA[Growth Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1652479</guid>
                                    <description><![CDATA[<p>Mark Hartley identifies three UK shares with not only higher growth forecasts than the Dow Jones, but chunky yields to sweeten the deal.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/25/the-dow-jones-may-be-at-50k-but-these-3-uk-shares-are-forecast-to-grow-further-in-2026/">The Dow Jones may be at 50k but these 3 UK shares are forecast to grow further in 2026</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">After last April&#8217;s sweeping trade tariffs, both US and UK shares took a hit &#8212; but the impact didn&#8217;t last long. The Dow Jones has since made a spectacular recovery, recovering 30% to hit 50,000 points for the first time.</p>



<p class="wp-block-paragraph">But with valuations stretched and US GDP growth forecast at only 2%-2.5%, analysts don&#8217;t expect the same in 2026. Overall, the Dow isn&#8217;t expected to grow more than 10% in a best case scenario, with lower forecasts predicting only 3% growth.</p>



<p class="wp-block-paragraph">These three high-yielding UK shares are forecast to grow far more.</p>



<h2 class="wp-block-heading" id="h-kainos">Kainos</h2>



<p class="wp-block-paragraph"><strong>Kainos</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-knos/">LSE: KNOS</a>) helps big firms like the NHS or banks to upgrade their digital systems, especially with Workday software for payroll and HR. It’s been growing revenue steadily the past few years, with increasing public sector deals and cloud demand as UK government tech expenditure grows.</p>


<div class="tmf-chart-singleseries" data-title="Kainos Group Plc Price" data-ticker="LSE:KNOS" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">Analysts forecast average price growth of around 67% in the coming 12 months. The 4% yield’s reliable too, covered by cash flow even after five years of increases, and shares trade on a fair-ish multiple around 29 times earnings.&nbsp;</p>



<p class="wp-block-paragraph">Still, it faces stiff competition from lower-cost alternatives in regions like India. If the economy dips, tightening budgets could send clients looking elsewhere. Still, the combination of growth and income makes it worth considering in my book &#8212; even with the tech-cycle wobbles.</p>



<h2 class="wp-block-heading" id="h-telecom-plus">Telecom Plus</h2>



<p class="wp-block-paragraph">Think of <strong>Telecom Plus</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-tep/">LSE: TEP</a>) as a one-stop shop for broadband, mobile, gas, and electric. By bundling bills together, it saves customers cash and builds loyalty. The latest half-year results showed steady profits despite energy price swings, with dividends up 13% last year to a near-7% <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/dividend-yield/" target="_blank" rel="noreferrer noopener">yield</a>. Cash coverage is a bit thin at only 1.2 times but is backed by 25 years of payments.</p>


<div class="tmf-chart-singleseries" data-title="Telecom Plus plc Price" data-ticker="LSE:TEP" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">Plus, the average 12-month analyst forecast is 68% higher than today&#8217;s price. That&#8217;s a chunky combo of income and growth!</p>



<p class="wp-block-paragraph">But it&#8217;s a competitve sector, with rivals Octopus and Bulb muscling in on its market share. On the plus side, falling wholesale energy costs should boost profits as UK households switch. But any change in regulations could further pressure margins.&nbsp;</p>



<p class="wp-block-paragraph">For now, the <a href="https://stage2026.twelfthmagpie.com/investing-basics/understanding-company-accounts/the-balance-sheet/">balance sheet</a> looks solid and cash generation is promising. For investors seeking dependable income with growth potential, it’s a strong contender to consider.</p>



<h2 class="wp-block-heading" id="h-mony-group">MONY Group</h2>



<p class="wp-block-paragraph"><strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>) operates price comparison sites like MoneySuperMarket, helping customers find the best deals on loans, insurance, and broadband. Revenue recently ticked up 1% to £225m amid car insurance woes while EBITDA rose 2% and SuperSaveClub membership hit 1.5m, now 14% of sales.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">The core attraction here is the stock&#8217;s 8.2% yield, but the average 57.5% growth forecast is a big bonus. Analysts have cited potential UK rate cuts as driving interest in switching providers.</p>



<p class="wp-block-paragraph">But lately, AI-driven comparisons and fierce Google ad competition threaten its business model. If consumer spending softens, it could stall traffic and impact profits.</p>



<p class="wp-block-paragraph">While the growth narrative is lower here, the yield is undeniably attractive for UK income hunters. It’s long been a favourite of mine and the current low price also makes it worth considering.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/25/the-dow-jones-may-be-at-50k-but-these-3-uk-shares-are-forecast-to-grow-further-in-2026/">The Dow Jones may be at 50k but these 3 UK shares are forecast to grow further in 2026</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>Does AI disruption mean these 3 cheap shares are bargain buys right now?</title>
                <link>https://stage2026.twelfthmagpie.com/2026/02/14/does-ai-disruption-mean-these-3-cheap-shares-are-bargain-buys-right-now/</link>
                                <pubDate>Sat, 14 Feb 2026 08:30:00 +0000</pubDate>
                <dc:creator><![CDATA[James Beard]]></dc:creator>
                		<category><![CDATA[Investing Articles]]></category>
		<category><![CDATA[Value Shares]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1647244</guid>
                                    <description><![CDATA[<p>AI’s wiped billions off the value of these three shares. Is this an opportunity to buy some cheap stocks, or could there be worse to come?</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/14/does-ai-disruption-mean-these-3-cheap-shares-are-bargain-buys-right-now/">Does AI disruption mean these 3 cheap shares are bargain buys right now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
]]></description>
                                                                                            <content:encoded><![CDATA[
<p class="wp-block-paragraph">A cheap share doesn’t necessarily mean it’s worth buying. Investors may have good reasons to be nervous about a company’s prospects. Indeed, following on from mechanisation, electrification and automation, we&#8217;re now in an era of digitialisation with artificial intelligence (AI) leading the way.</p>



<p class="wp-block-paragraph">Inevitably, there will be winners and losers from the fourth industrial revolution. And judging by the share price performance of these three stocks, investors have already made up their minds about who the losers might be. But could this be a potential buying opportunity?</p>



<h2 class="wp-block-heading" id="h-hazel-s-here">Hazel&#8217;s here!</h2>



<p class="wp-block-paragraph">The<strong> St James’s Place</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-stj/">LSE:STJ</a>) share price has come under pressure after Altruist, an online provider of services to investment advisors, launched Hazel, its new AI tax planning tool.</p>



<p class="wp-block-paragraph">For up to $150 a month (large firms will pay more), the US company claims its new software will “<em>transform your practice</em>” with interactive scenario modelling. Although the tool itself is unlikely to directly impact St James’s Place, it raises questions as to what might follow.</p>


<div class="tmf-chart-singleseries" data-title="St. James`s Place Plc Price" data-ticker="LSE:STJ" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph"><a href="https://stage2026.twelfthmagpie.com/investing-basics/understanding-company-accounts/annual-reports-and-accounts/">In 2024</a>, the wealth manager charged £1.089bn for investment advice, 34% of its total income. And even if its clients would rather rely on humans for advice, AI could open up the market to low-cost challengers.</p>



<p class="wp-block-paragraph">The timing of the arrival of Hazel&#8217;s unfortunate. Over the course of 2025, the group’s assets under management increased by £29.8bn, helped by net inflows of £6.2bn and a 94.9% retention rate.</p>



<p class="wp-block-paragraph">However, even though the stock’s trading close to its 52-week low, I don’t want to invest given the uncertainty.</p>



<h2 class="wp-block-heading" id="h-what-about-claude">What about Claude?</h2>



<p class="wp-block-paragraph">By contrast, I like the look of <strong>London Stock Exchange Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-lseg/">LSE:LSEG</a>). I think it remains a stock to consider even though its share price is coming under pressure from anxiety about how Anthropic’s AI-powered legal assistant, an add-on to its Claude platform, could impact data and software companies.</p>


<div class="tmf-chart-singleseries" data-title="London Stock Exchange Group Price" data-ticker="LSE:LSEG" data-range="5y" data-start-date="2021-02-14" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">Again, the software itself isn&#8217;t a particular threat, but what’s coming down the line? However, I think AI could work to LSEG’s advantage. The technology requires data, which the group has in bucket loads. Its propriety data&#8217;s spread across five distinct operating divisions.</p>



<p class="wp-block-paragraph">Elliott Management appears to agree with me. The <em>Financial Times</em> claims the activist investor has been building up a “<em>significant</em>” stake. The firm&#8217;s established a reputation for investing in underperforming companies.</p>



<p class="wp-block-paragraph">LSEG’s shares are now trading at their <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/pe-ratio/">lowest earnings multiple</a> since the pandemic. And they&#8217;re changing hands for what they were in the first quarter of 2023. I think the stock offers good value and is worth considering.</p>



<figure class="wp-block-image size-full is-resized"><img decoding="async" width="575" height="159" src="https://stage2026.twelfthmagpie.com/wp-content/uploads/2026/02/image-10.png" alt="" class="wp-image-1647245" style="width:840px" /><figcaption class="wp-element-caption"><sup>Source: London Stock Exchange Group/EPS TTM = earnings per share trailing 12 months</sup></figcaption></figure>



<h2 class="wp-block-heading" id="h-and-finally">And finally&#8230;</h2>



<p class="wp-block-paragraph">Another stock under the AI cosh is <strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE:MONY</a>), owner of a number of websites designed to save households cash, including MoneySupermarket. Its share price is now back to where it was in 2013.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="2021-02-14" data-end-date="" data-comparison-value=""></div>



<p class="wp-block-paragraph">It’s been affected by Insurify, another US company, releasing what it claims is the insurance industry’s first ChatGPT app. Drivers will be able to explore personalised quotes.</p>



<p class="wp-block-paragraph">MONY Group&#8217;s vulnerable because, in 2024, it generated nearly 54% of its revenue from insurance referrals. Obtaining quotes though ChatGPT sounds appealing to me, especially if it avoids having to answer all those tedious questions that are usually asked.</p>



<p class="wp-block-paragraph">The direction of travel is clear and I’m not sure what the group can do about it. For this reason, investing now would be too risky for me.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/14/does-ai-disruption-mean-these-3-cheap-shares-are-bargain-buys-right-now/">Does AI disruption mean these 3 cheap shares are bargain buys right now?</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>Here’s how investors can target £22,491 a year from £20,000 in this overlooked income share</title>
                <link>https://stage2026.twelfthmagpie.com/2026/02/10/heres-how-investors-can-target-22491-a-year-from-20000-in-this-overlooked-income-share/</link>
                                <pubDate>Tue, 10 Feb 2026 11:08:56 +0000</pubDate>
                <dc:creator><![CDATA[Simon Watkins]]></dc:creator>
                		<category><![CDATA[Dividend Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1646337</guid>
                                    <description><![CDATA[<p>This under-the-radar income share already has a market-beating dividend yield that's forecast to go much higher, underpinned by steady earnings growth.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/10/heres-how-investors-can-target-22491-a-year-from-20000-in-this-overlooked-income-share/">Here’s how investors can target £22,491 a year from £20,000 in this overlooked income share</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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<p class="wp-block-paragraph"><strong>MONY Group</strong>’s (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE: MONY</a>) rising cash flows and strong digital business model have brought it front and centre of my income share screener.</p>



<p class="wp-block-paragraph">With the high cost of living, consumers are switching more in search of savings &#8212; across insurance, broadband, travel and energy. And this firm &#8212; formerly Moneysupermarket.com &#8212; sits in the slipstream of that trend.</p>



<p class="wp-block-paragraph">This should power earnings growth that could support strong gains in dividend yield, from an already high base. So what sort of returns are we looking at here?</p>



<h2 class="wp-block-heading" id="h-earnings-growth-drivers"><strong>Earnings growth drivers</strong></h2>



<p class="wp-block-paragraph">A risk to MONY’s earnings growth is that revenues are partly tied to consumer switching, which can fluctuate.</p>



<p class="wp-block-paragraph">However, a combination of comparison fees, lead‑generation commissions and affiliate income provides a more balanced earnings base than a pure switching business. Indeed, analysts forecast MONY’s earnings will increase by around 7% a year to early 2028.</p>



<p class="wp-block-paragraph">Moreover, insurance switching &#8212; the group’s largest division &#8212; has continued to recover following the FCA pricing reforms. These forced insurers to align new‑customer and renewal pricing, initially reducing the big price gaps that drive switching. Meanwhile, energy switching, which collapsed during the price‑cap crisis, has been rebuilding as competitive tariffs returned.</p>



<p class="wp-block-paragraph">And crucially, MONY’s asset-light model keeps capital expenditure low, allowing free cash flow conversion to remain above 80%. This supports both earnings resilience and ongoing dividend growth.</p>



<h2 class="wp-block-heading" id="h-how-have-the-recent-results-been"><strong>How have the recent results been?</strong></h2>



<p class="wp-block-paragraph">MONY’s 2024 results saw revenue edge up 1.6% to £439.2m as activity improved across key categories. Profit before tax jumped 18% to £108.7m, reflecting firmer trading and good cost discipline.</p>



<p class="wp-block-paragraph">Adjusted <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/what-is-ebitda/">EBITDA</a> rose 6.7% to £141.8m, while adjusted earnings per share (EPS) increased 6.9% to 17.1p. The dividend was lifted 3.3% to 12.5p, marking the group’s continued confidence in cash generation.</p>



<p class="wp-block-paragraph">These themes continued into H1 2025, with revenue up 1% to £225.3m. Adjusted EBITDA increased 2% to £75.1m, while profit after tax rose 3% to £45.6m. Adjusted EPS grew 4% to 9.3p, as net debt fell 27%.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="2021-02-10" data-end-date="2026-02-10" data-comparison-value=""></div>



<h2 class="wp-block-heading" id="h-big-dividend-income-potential"><strong>Big dividend income potential</strong></h2>



<p class="wp-block-paragraph">In 2024, MONY paid a dividend of 12.5p, giving a current yield of 7.5%. This is more than double the <strong>FTSE 250</strong> average of 3.5%, and high above the <strong>FTSE 100</strong>’s 3.1%.</p>



<p class="wp-block-paragraph">Analysts’ forecast dividends will rise to 13.7p this year, and 14.3p next year, implying yields of 8.2% and 8.6%.</p>



<p class="wp-block-paragraph">So investors considering a £20,000 holding could make £27,118 in dividends after 10 years. This assumes that the dividends are reinvested back into the shares to exploit the turbocharging effect of <a href="https://stage2026.twelfthmagpie.com/investing-basics/the-miracle-of-compound-returns/">dividend compounding</a>.&nbsp; It also factors in the 8.6% forecast yield as an average, although this can go down as well as up over time.</p>



<p class="wp-block-paragraph">On the same basis, the dividends would increase to £241,525 after 30 years. The value of the holding by then (including the initial £20,000) would be £261,525.</p>



<p class="wp-block-paragraph">And that would generate a yearly income from dividends of £22,491!</p>



<h2 class="wp-block-heading" id="h-my-investment-view"><strong>My investment view</strong></h2>



<p class="wp-block-paragraph">I already have several financial sector stocks in my portfolio, and owning another would unbalance it. However, MONY Group is now on my watchlist should the performance of any of these shares dip. For other investors without this problem, I think the stock is worthy of consideration.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/10/heres-how-investors-can-target-22491-a-year-from-20000-in-this-overlooked-income-share/">Here’s how investors can target £22,491 a year from £20,000 in this overlooked income share</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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                                <title>Forget Rolls-Royce shares! I think this is a better growth opportunity for 2026</title>
                <link>https://stage2026.twelfthmagpie.com/2026/02/02/forget-rolls-royce-shares-i-think-this-is-a-better-growth-opportunity-for-2026/</link>
                                <pubDate>Mon, 02 Feb 2026 09:02:00 +0000</pubDate>
                <dc:creator><![CDATA[Jon Smith]]></dc:creator>
                		<category><![CDATA[Growth Shares]]></category>
		<category><![CDATA[Investing Articles]]></category>

                <guid isPermaLink="false">https://stage2026.twelfthmagpie.com/?p=1640006</guid>
                                    <description><![CDATA[<p>Jon Smith talks through a FTSE 250 company he believes has better growth prospects for the coming year than Rolls-Royce shares.</p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/02/forget-rolls-royce-shares-i-think-this-is-a-better-growth-opportunity-for-2026/">Forget Rolls-Royce shares! I think this is a better growth opportunity for 2026</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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<p class="wp-block-paragraph"><strong>Rolls-Royce</strong> shares are up 104% in the past year. The business is one of the top-performing stocks in the <strong>FTSE 100</strong> over this period. However, some are concerned about the high valuation and whether there&#8217;s much potential for further gains in 2026. When looking for alternatives, I came across one that I think could do really well.</p>



<h2 class="wp-block-heading" id="h-show-me-the-mony">Show me the MONY</h2>



<p class="wp-block-paragraph">I&#8217;m talking about <strong>MONY Group</strong> (<a class="tickerized-link" href="https://stage2026.twelfthmagpie.com/tickers/lse-mony/">LSE:MONY</a>). The stock&#8217;s up a modest 2% in the past year. This represents the first reason why I think it could do better than Rolls-Royce. It&#8217;s a company that hasn&#8217;t experienced a sharp share price rally (yet), which makes it much more attractive from a valuation perspective.</p>



<p class="wp-block-paragraph">For example, it has a <a href="https://stage2026.twelfthmagpie.com/investing-basics/how-to-value-shares/pe-ratio/" target="_blank" rel="noreferrer noopener">price-to-earnings</a> ratio of 10.95. This contrasts to Rolls-Royce at 60.90. So in terms of picking a stock where there could be more potential to rally, I&#8217;d say MONY Group gets the nod.</p>



<p class="wp-block-paragraph">Of course, this is irrelevant if I&#8217;m not optimistic about the firm&#8217;s prospects. Yet in this case, I am. The business is a UK-focused savings and price-comparison platform that helps consumers find better deals on financial products and services. It tends to outperform when the UK economic outlook isn&#8217;t great. If more people are concerned about their personal finances, they&#8217;re more likely to shop around and use price comparison sites. This increases traffic to the group and lead fees from referrals.</p>



<p class="wp-block-paragraph">Given the risk of slow UK growth in 2026, I think MONY Group could see a traffic spike, ultimately <a href="https://stage2026.twelfthmagpie.com/investing-basics/understanding-company-accounts/" target="_blank" rel="noreferrer noopener">boosting earnings</a> and the share price.</p>


<div class="tmf-chart-singleseries" data-title="Mony Group Plc Price" data-ticker="LSE:MONY" data-range="5y" data-start-date="" data-end-date="" data-comparison-value=""></div>



<h2 class="wp-block-heading" id="h-generating-ai-gains">Generating AI gains</h2>



<p class="wp-block-paragraph">Artificial intelligence (AI) is becoming increasingly important in all businesses. When I compare the two firms, I think MONY Group stands to gain more from further integrating this into operations than Rolls-Royce.</p>



<p class="wp-block-paragraph">For example, MONY Group&#8217;s deployed Fin, an AI agent, which is now involved in 98% of customer conversations. It&#8217;s reportedly handling over 25,000 queries a month via chat and email. Over time, this will save costs, freeing up human resources. It can process queries faster, enabling it to serve more customers and retain more business.</p>



<p class="wp-block-paragraph">It&#8217;s also using AI in other ways, such as to push more tailored marketing and offers to clients. As this continues to expand this year, I think it&#8217;s well placed to help reduce costs and boost profits. I&#8217;m not suggesting Rolls-Royce isn&#8217;t making good use of AI, but I think MONY Group&#8217;s use cases are higher and could work to its advantage.</p>



<h2 class="wp-block-heading" id="h-caveats">Caveats</h2>



<p class="wp-block-paragraph">Of course, I could be wrong in my view. Momentum could stay with Rolls-Royce as investors get the fear of missing out (FOMO) and simply buy because it keeps going up. As for MONY Group, there&#8217;s continued regulatory risk. If the UK regulator decides to tighten up on financial promotions or disclosure requirements, it could hamper growth.</p>



<p class="wp-block-paragraph">Yet on balance, when looking for growth stocks for 2026, I think MONY Group could be a viable growth alternative to Rolls-Royce to consider.</p>



<p class="wp-block-paragraph"></p>
<p>The post <a href="https://stage2026.twelfthmagpie.com/2026/02/02/forget-rolls-royce-shares-i-think-this-is-a-better-growth-opportunity-for-2026/">Forget Rolls-Royce shares! I think this is a better growth opportunity for 2026</a> appeared first on <a href="https://stage2026.twelfthmagpie.com">The Twelfth Magpie</a>.</p>
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