Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Personal Group HoldingsFRA:RLL 56 EV-to-OCF is 10.64 as of Aug. 12, 2026, which is 0% below its 10-year median of 10.69. 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 505 Insurance companies, Personal Group Holdings ranks worse than 64.16% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Personal Group Holdings's Enterprise Value is €121.48 Mil.
Personal Group Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €11.42 Mil. Therefore, Personal Group Holdings's EV-to-OCF for today is 10.64.
The historical rank and industry rank for Personal Group Holdings's EV-to-OCF or its related term are showing as below:
FRA:RLL'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.37 Med: 10.69 Max: 22.37
Current: 10.08
During the past 13 years, the highest EV-to-OCF of Personal Group Holdings was 22.37. The lowest was 3.37. And the median was 10.69.
FRA:RLL's EV-to-OCF is ranked worse than 64.16% of 505
companies
in the Insurance industry
Industry Median: 6.57
vs FRA:RLL: 10.08
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (FRA:RLL) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's EV-to-OCF 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 Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €11.42 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-OCF of 10.64 as of Aug. 12, 2026. This is near median its historical median of 10.69. Over the past decade, Personal Group Holdings' EV-to-OCF has ranged from 3.37 to 22.37. According to the industry distribution chart, Personal Group Holdings ranks #324 out of 505 companies in the Insurance industry, placing it in the top 64.2%.
Is Personal Group Holdings' EV-to-OCF too high?
Personal Group Holdings' current EV-to-OCF of 10.64 is near median its 10-year median of 10.69. Over the past 10 years, this metric has ranged from a low of 3.37 to a high of 22.37. The Insurance industry median EV-to-OCF is 6.57. Personal Group Holdings' value of 10.64 is 61.9% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #324 out of 505 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-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #324 out of 505 companies for EV-to-OCF. This places Personal Group Holdings in the lower half of its industry. The industry median EV-to-OCF is 6.57. Personal Group Holdings' value of 10.64 is 61.9% above this benchmark. Historically, Personal Group Holdings' own EV-to-OCF has ranged from 3.37 to 22.37 over the past decade. While the company's 10-year median is 10.69 vs. the industry median of 6.57, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.57, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current EV-to-OCF of 10.64 is 61.9% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current EV-to-OCF is 10.64, which is near median its own 10-year median of 10.69. 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-OCF of 10.64. 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-OCF is 10.64, which is near median its 10-year median of 10.69 and 61.9% above the Insurance industry median of 6.57. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current EV-to-OCF is 10.64 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-OCF: 10.64 (near median its 10-year median of 10.69)
GF Value™: €2.59 vs. price of €4.46 (72.2% above fair value)
Industry Position: 61.9% above the Insurance median (#324 of 505)
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
Get the complete analysis for FRA:RLL
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:RLL has been successfully added to your 
