Personal Group HoldingsFRA:RLL 44 FCF Margin % is 17.60% as of Dec. 2025, which is 57% above its 10-year median of 11.21. 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 501 Insurance companies, Personal Group Holdings ranks better than 62.28% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's FCF Margin % falls into.
* 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 FCF Margin % of 17.60% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Personal Group Holdings and its competitors. This is 57% above median its historical median of 11.21. Over the past decade, Personal Group Holdings' FCF Margin % has ranged from 3.46 to 21.28. According to the industry distribution chart, Personal Group Holdings ranks #189 out of 501 companies in the Insurance industry, placing it in the top 37.7%.
Is Personal Group Holdings' FCF Margin % too high?
Personal Group Holdings' current FCF Margin % of 17.60% is 57% above median its 10-year median of 11.21. Over the past 10 years, this metric has ranged from a low of 3.46 to a high of 21.28. The Insurance industry median FCF Margin % is 9.60. Personal Group Holdings' value of 17.60% is 83.3% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #189 out of 501 companies in the Insurance industry, which is above 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' FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #189 out of 501 companies for FCF Margin %. This puts Personal Group Holdings in the upper half of its industry. The industry median FCF Margin % is 9.60. Personal Group Holdings' value of 17.60% is 83.3% above this benchmark. Historically, Personal Group Holdings' own FCF Margin % has ranged from 3.46 to 21.28 over the past decade. While the company's 10-year median is 11.21 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current FCF Margin % of 17.60% is 83.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current FCF Margin % is 17.60%, which is 57% above median its own 10-year median of 11.21. 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 FCF Margin % is 17.60%, which is 57% above median its 10-year median of 11.21 and 83.3% above the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current FCF Margin % is 17.60% 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 €4.22 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:
FCF Margin %: 17.60% (57% above median its 10-year median of 11.21)
GF Value™: €2.53 vs. price of €4.22 (66.8% above fair value)
Industry Position: 83.3% above the Insurance median (#189 of 501)
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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