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Personal Group HoldingsFRA:RLL 56 Debt-to-EBITDA is 0.04 as of Dec. 2025, which is 43% below its 10-year median of 0.07. GuruFocus rates FRA:RLL with a GF Score™ of 56/100 and a GF Value™ of €2.59. The stock has 6 warning signs investors should review. Among 323 Insurance companies, Personal Group Holdings ranks better than 93.81% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Personal Group Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:RLL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.06 Med: 0.07 Max: 0.16
Current: 0.04
During the past 13 years, the highest Debt-to-EBITDA Ratio of Personal Group Holdings was 0.16. The lowest was -0.06. And the median was 0.07.
FRA:RLL's Debt-to-EBITDA is ranked better than 93.81% of 323
companies
in the Insurance industry
Industry Median: 1.21
vs FRA:RLL: 0.04
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Personal Group Holdings Debt-to-EBITDA Related Terms
Personal Group Holdings Debt-to-EBITDA Historical Data
* 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.
FRA:RLL vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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.
Personal Group Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Personal Group Holdings (FRA:RLL) has a Debt-to-EBITDA of 0.04 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Personal Group Holdings. This is 43% below median its historical median of 0.07. According to the industry distribution chart, Personal Group Holdings ranks #20 out of 323 companies in the Insurance industry, placing it in the top 6.2%.
Is Personal Group Holdings' Debt-to-EBITDA too high?
Personal Group Holdings' current Debt-to-EBITDA of 0.04 is 43% below median its 10-year median of 0.07. The Insurance industry median Debt-to-EBITDA is 1.21. Personal Group Holdings' value of 0.04 is 96.7% below this industry median. Based on the distribution chart, Personal Group Holdings ranks #20 out of 323 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Personal Group Holdings has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Personal Group Holdings' Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #20 out of 323 companies for Debt-to-EBITDA. This places Personal Group Holdings in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.21. Personal Group Holdings' value of 0.04 is 96.7% below this benchmark. While the company's 10-year median is 0.07 vs. the industry median of 1.21, Personal Group Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.21, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current Debt-to-EBITDA of 0.04 is 96.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Personal Group Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current Debt-to-EBITDA is 0.04, which is 43% below median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Personal Group Holdings stock overvalued right now?
Personal Group Holdings (FRA:RLL) has a current Debt-to-EBITDA of 0.04. The stock's GF Value™ is €2.59, compared to a current price of €4.46 — trading 72.2% above its estimated fair value. The current Debt-to-EBITDA is 0.04, which is 43% below median its 10-year median of 0.07 and 96.7% below the Insurance industry median of 1.21. Personal Group Holdings' overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Debt-to-EBITDA is 0.04 as of Dec. 2025. 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 Personal Group Holdings (FRA:RLL) Overvalued in 2026?
Based on GuruFocus' analysis, Personal Group Holdings stock appears to be overvalued.
The current stock price of €4.46 is trading 72.2% above its estimated GF Value™ of €2.59.
Key valuation signals for FRA:RLL:
Debt-to-EBITDA: 0.04 (43% below median its 10-year median of 0.07)
GF Value™: €2.59 vs. price of €4.46 (72.2% above fair value)
Industry Position: 96.7% below the Insurance median (#20 of 323)
No single metric tells the full story. See the FRA:RLL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Personal Group Holdings PLC and its subsidiaries are mainly engaged in providing employee services and offering short-term accident and health insurance in the UK. The Group operates through two main segments: the Affordable Insurance segment, which provides simple insurance products underwritten by its subsidiaries and generates income through insurance premiums; and the Benefits & Reward segment, which contributes the majority of revenue by delivering a benefits platform to employers directly and via partners such as Sage for SME solutions, along with comprehensive reward services through its subsidiaries and generating income from digital platform subscriptions, commissions on third-party benefits, and consultancy services including industry surveys.
56GF Score
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