Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-07-01), Manx Financial Group's Beta is 1.1602.
Manx Financial Group (FRA:3IM) Beta Explanation
Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
* 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.
For the Banks - Regional subindustry, Manx Financial Group's Beta, along with its competitors' market caps and Beta 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.
Manx Financial Group Beta vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Beta distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's Beta falls into.
Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.
Manx Financial Group (FRA:3IM) has a Beta of 1.1602 as of Jul. 01, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Manx Financial Group and its competitors.
Is Manx Financial Group's Beta too high?
Manx Financial Group's current Beta is 1.1602. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Beta compare to PNC and USB?
Manx Financial Group's Beta of 1.1602 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for a Banks company?
A good Beta depends on the Banks industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Manx Financial Group and its competitors. Manx Financial Group's current Beta is 1.1602. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current Beta is 1.1602. Manx Financial Group's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For Manx Financial Group (FRA:3IM), the current Beta is 1.1602 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
Beta: 1.1602
GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score
Get the complete analysis for FRA:3IM
Beta is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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