Personal Group HoldingsFRA:RLL 44 EV-to-FCF is 14.21 as of Jun. 25, 2026, which is 13% above its 10-year median of 12.61. 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 391 Insurance companies, Personal Group Holdings ranks worse than 67.26% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Personal Group Holdings's Enterprise Value is €111.31 Mil.
Personal Group Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €7.83 Mil. Therefore, Personal Group Holdings's EV-to-FCF for today is 14.21.
The historical rank and industry rank for Personal Group Holdings's EV-to-FCF or its related term are showing as below:
FRA:RLL'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.45 Med: 12.61 Max: 31.81
Current: 14.38
During the past 13 years, the highest EV-to-FCF of Personal Group Holdings was 31.81. The lowest was 4.45. And the median was 12.61.
FRA:RLL's EV-to-FCF is ranked worse than 67.26% of 391
companies
in the Insurance industry
Industry Median: 9.39
vs FRA:RLL: 14.38
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 €4.22.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's EV-to-FCF falls into.
Personal Group Holdings's current Enterprise Value is €111.31 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Personal Group Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €7.83 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-FCF of 14.21 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Personal Group Holdings and its competitors. This is 13% above median its historical median of 12.61. Over the past decade, Personal Group Holdings' EV-to-FCF has ranged from 4.45 to 31.81. According to the industry distribution chart, Personal Group Holdings ranks #263 out of 391 companies in the Insurance industry, placing it in the top 67.3%.
Is Personal Group Holdings' EV-to-FCF too high?
Personal Group Holdings' current EV-to-FCF of 14.21 is 13% above median its 10-year median of 12.61. Over the past 10 years, this metric has ranged from a low of 4.45 to a high of 31.81. The Insurance industry median EV-to-FCF is 9.39. Personal Group Holdings' value of 14.21 is 51.3% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #263 out of 391 companies in the Insurance industry, which is below the industry midpoint. 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' EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #263 out of 391 companies for EV-to-FCF. This places Personal Group Holdings in the lower half of its industry. The industry median EV-to-FCF is 9.39. Personal Group Holdings' value of 14.21 is 51.3% above this benchmark. Historically, Personal Group Holdings' own EV-to-FCF has ranged from 4.45 to 31.81 over the past decade. While the company's 10-year median is 12.61 vs. the industry median of 9.39, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.39, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current EV-to-FCF of 14.21 is 51.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current EV-to-FCF is 14.21, which is 13% above median its own 10-year median of 12.61. 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 €4.22 — trading 66.8% above its estimated fair value. The current EV-to-FCF is 14.21, which is 13% above median its 10-year median of 12.61 and 51.3% above the Insurance industry median of 9.39. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current EV-to-FCF is 14.21 as of Jun. 25, 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 €4.22 is trading 66.8% above its estimated GF Value™ of €2.53.
GuruFocus considers Personal Group Holdings to be Significantly Overvalued.
Key valuation signals for FRA:RLL:
EV-to-FCF: 14.21 (13% above median its 10-year median of 12.61)
GF Value™: €2.53 vs. price of €4.22 (66.8% above fair value)
Industry Position: 51.3% above the Insurance median (#263 of 391)
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.
44GF Score
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