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Personal Group HoldingsFRA:RLL 56 EV-to-EBITDA is 8.94 as of Aug. 12, 2026, which is 23% above its 10-year median of 7.27. 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 348 Insurance companies, Personal Group Holdings ranks worse than 56.32% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Personal Group Holdings's enterprise value is €121.48 Mil.
Personal Group Holdings's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €13.59 Mil. Therefore, Personal Group Holdings's EV-to-EBITDA for today is 8.94.
The historical rank and industry rank for Personal Group Holdings's EV-to-EBITDA or its related term are showing as below:
FRA:RLL'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -11.11 Med: 7.27 Max: 15.7
Current: 8.87
During the past 13 years, the highest EV-to-EBITDA of Personal Group Holdings was 15.70. The lowest was -11.11. And the median was 7.27.
FRA:RLL's EV-to-EBITDA is ranked worse than 56.32% of 348
companies
in the Insurance industry
Industry Median: 8.11
vs FRA:RLL: 8.87
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Personal Group Holdings (FRA:RLL) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Personal Group Holdings's PE Ratio (TTM) for today is calculated as:
Personal Group Holdings's share price for today is €4.46.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Personal Group Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.255.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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 Insurance - Property & Casualty subindustry, Personal Group Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's EV-to-EBITDA falls into.
Personal Group Holdings's current Enterprise Value is €121.48 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Personal Group Holdings's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €13.59 Mil.
* 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 (FRA:RLL) has a EV-to-EBITDA of 8.94 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Personal Group Holdings. This is 23% above median its historical median of 7.27. According to the industry distribution chart, Personal Group Holdings ranks #196 out of 348 companies in the Insurance industry, placing it in the top 56.3%.
Is Personal Group Holdings' EV-to-EBITDA too high?
Personal Group Holdings' current EV-to-EBITDA of 8.94 is 23% above median its 10-year median of 7.27. The Insurance industry median EV-to-EBITDA is 8.11. Personal Group Holdings' value of 8.94 is 10.2% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #196 out of 348 companies in the Insurance industry, which is below 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' EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #196 out of 348 companies for EV-to-EBITDA. This places Personal Group Holdings in the lower half of its industry. The industry median EV-to-EBITDA is 8.11. Personal Group Holdings' value of 8.94 is 10.2% above this benchmark. While the company's 10-year median is 7.27 vs. the industry median of 8.11, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.11, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current EV-to-EBITDA of 8.94 is 10.2% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Personal Group Holdings. For the Insurance industry, the median EV-to-EBITDA is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current EV-to-EBITDA is 8.94, which is 23% above median its own 10-year median of 7.27. 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 EV-to-EBITDA of 8.94. 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 EV-to-EBITDA is 8.94, which is 23% above median its 10-year median of 7.27 and 10.2% above the Insurance industry median of 8.11. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current EV-to-EBITDA is 8.94 as of Aug. 12, 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 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:
EV-to-EBITDA: 8.94 (23% above median its 10-year median of 7.27)
GF Value™: €2.59 vs. price of €4.46 (72.2% above fair value)
Industry Position: 10.2% above the Insurance median (#196 of 348)
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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