Personal Group Holdings (FRA:RLL) EPS without NRI: €0.26 (TTM As of Dec. 2025)


FRA:RLL Personal Group Holdings PLC FRA:RLL
44 GF Score
Price €4.24
GF Value €2.53
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Personal Group Holdings EPS without NRI?

Personal Group Holdings FRA:RLL +0.47% 44 EPS without NRI is €0.26 as of Dec. 2025. GuruFocus rates FRA:RLL with a GF Score™ of 44/100 and a GF Value™ of €2.53 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 400 Insurance companies, Personal Group Holdings ranks better than 91.25% on this metric.

Personal Group Holdings's earnings per share without non-recurring items for the six months ended in Dec. 2025 was €0.15. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was €0.26.

During the past 12 months, Personal Group Holdings's average earnings per share (NRI) Growth Rate was 29.20% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 83.10% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 7.40% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was -9.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for Personal Group Holdings's EPS without NRI or its related term are showing as below:

FRA:RLL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -49.8   Med: 8.5   Max: 83.1
Current: 83.1

During the past 13 years, Personal Group Holdings's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 83.10% per year. The lowest was -49.80% per year. And the median was 8.50% per year.

FRA:RLL's 3-Year EPS without NRI Growth Rate is ranked better than
91.25% of 400 companies
in the Insurance industry
Industry Median: 16.35 vs FRA:RLL: 83.10

Personal Group Holdings's EPS (Diluted) for the six months ended in Dec. 2025 was €0.15. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.26.

Personal Group Holdings's EPS (Basic) for the six months ended in Dec. 2025 was €0.16. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.27.


Personal Group Holdings  (FRA:RLL) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


Personal Group Holdings EPS without NRI Related Terms


Personal Group Holdings EPS without NRI Historical Data

* Premium members only.

The historical data trend for Personal Group Holdings's EPS without NRI 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 EPS without NRI Chart

Personal Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.14 0.04 0.15 0.21 0.25

Personal Group Holdings Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EPS without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.09 0.07 0.14 0.11 0.15

FRA:RLL vs CB, PGR, TRV: EPS without NRI Comparison

For the Insurance - Property & Casualty subindustry, Personal Group Holdings's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Insurance Industry

For the Insurance industry and Financial Services sector, Personal Group Holdings's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Personal Group Holdings's PE Ratio without NRI falls into.


FRA:RLL
44GF Score
Personal Group Holdings PLC FRA:RLL
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Personal Group Holdings EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €0.26

* 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.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of €0.26 mean?
Personal Group Holdings (FRA:RLL) has a EPS without NRI of €0.26 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Personal Group Holdings and its competitors. According to the industry distribution chart, Personal Group Holdings ranks #35 out of 400 companies in the Insurance industry, placing it in the top 8.7%.
Is Personal Group Holdings' EPS without NRI too high?
Personal Group Holdings' current EPS without NRI is €0.26. Based on the distribution chart, Personal Group Holdings ranks #35 out of 400 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 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Personal Group Holdings' EPS without NRI compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #35 out of 400 companies for EPS without NRI. This places Personal Group Holdings in the top 9% of its industry — outperforming the majority of peers. The industry median EPS without NRI is 16.35. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for an Insurance company?
The median EPS without NRI among Insurance companies is 16.35, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median EPS without NRI is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current EPS without NRI is €0.26. 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?
Based on GuruFocus' analysis, Personal Group Holdings (FRA:RLL) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.53, compared to a current price of €4.24 — trading 67.6% above its estimated fair value. The current EPS without NRI is €0.26. Personal Group Holdings' overall GF Score™ is 44/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current EPS without NRI is €0.26 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 €4.24 is trading 67.6% above its estimated GF Value™ of €2.53. GuruFocus considers Personal Group Holdings to be Significantly Overvalued.

Key valuation signals for FRA:RLL:

  • EPS without NRI: €0.26
  • GF Value™: €2.53 vs. price of €4.24 (67.6% above fair value)
  • GF Score™: 44/100 with 6 warning signs

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 Business Description

Other Exchanges PGH:UK
Address 899 Silbury Boulevard, John Ormond House, Milton Keynes, GBR, MK9 3XL
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.
44GF Score

Get the complete analysis for FRA:RLL

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.24
Price
€2.53
GF Value