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Personal Group HoldingsFRA:RLL 56 Earnings Yield (Joel Greenblatt) % is 11.61% as of Dec. 2025, which is 19% above its 10-year median of 9.78. 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 513 Insurance companies, Personal Group Holdings ranks better than 54.19% on this metric.
Personal Group Holdings's Enterprise Value for the quarter that ended in Dec. 2025 was €0.00 Mil.
Personal Group Holdings's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €9.83 Mil. Personal Group Holdings's Earnings Yield (Joel Greenblatt) for the quarter that ended in Dec. 2025 was 11.61%.
The historical rank and industry rank for Personal Group Holdings's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
FRA:RLL'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -22.12 Med: 9.78 Max: 23.09
Current: 8.17
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Personal Group Holdings was 23.09%. The lowest was -22.12%. And the median was 9.78%.
FRA:RLL's Earnings Yield (Joel Greenblatt) % is ranked better than 54.19% of 513
companies
in the Insurance industry
Industry Median: 6.91
vs FRA:RLL: 8.17
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Personal Group Holdings's Forward Rate of Return (Yacktman) % for the quarter that ended in Dec. 2025 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Personal Group Holdings (FRA:RLL) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Personal Group Holdings Earnings Yield (Joel Greenblatt) % Related Terms
Personal Group Holdings Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Personal Group Holdings's Earnings Yield (Joel Greenblatt) % can be seen below:
* 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.
Personal Group Holdings Earnings Yield (Joel Greenblatt) % Chart
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's Earnings Yield (Joel Greenblatt) % falls into.
Personal Group Holdings Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Personal Group Holdingss Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
For company reported semi-annually or annually, GuruFocus only calculate annual data for Earnings Yield (Joel Greenblatt) and apply the annual figure to corresponding quarter.
What does a Earnings Yield (Joel Greenblatt) % of 11.61% mean?
Personal Group Holdings (FRA:RLL) has a Earnings Yield (Joel Greenblatt) % of 11.61% as of Dec. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Personal Group Holdings and its competitors. This is 19% above median its historical median of 9.78. According to the industry distribution chart, Personal Group Holdings ranks #235 out of 513 companies in the Insurance industry, placing it in the top 45.8%.
Is Personal Group Holdings' Earnings Yield (Joel Greenblatt) % too high?
Personal Group Holdings' current Earnings Yield (Joel Greenblatt) % of 11.61% is 19% above median its 10-year median of 9.78. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 6.91. Personal Group Holdings' value of 11.61% is 68% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #235 out of 513 companies in the Insurance industry, which is above the industry midpoint. 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' Earnings Yield (Joel Greenblatt) % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #235 out of 513 companies for Earnings Yield (Joel Greenblatt) %. This puts Personal Group Holdings in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 6.91. Personal Group Holdings' value of 11.61% is 68% above this benchmark. While the company's 10-year median is 9.78 vs. the industry median of 6.91, Personal Group Holdings has consistently been above 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 6.91, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current Earnings Yield (Joel Greenblatt) % of 11.61% is 68% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 6.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current Earnings Yield (Joel Greenblatt) % is 11.61%, which is 19% above median its own 10-year median of 9.78. 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 Earnings Yield (Joel Greenblatt) % of 11.61%. 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 Earnings Yield (Joel Greenblatt) % is 11.61%, which is 19% above median its 10-year median of 9.78 and 68% above the Insurance industry median of 6.91. 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 Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Earnings Yield (Joel Greenblatt) % is 11.61% 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:
Earnings Yield (Joel Greenblatt) %: 11.61% (19% above median its 10-year median of 9.78)
GF Value™: €2.59 vs. price of €4.46 (72.2% above fair value)
Industry Position: 68% above the Insurance median (#235 of 513)
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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Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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