Personal Group HoldingsFRA:RLL +0.47%44 Interest Coverage is 130.00 as of Dec. 2025, which is 36% above its 10-year median of 95.66. GuruFocus rates FRA:RLL with a GF Score™ of 44/100 and a GF Value™ of €2.55 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 351 Insurance companies, Personal Group Holdings ranks better than 80.91% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Personal Group Holdings's
EBIT
for the
six
months ended in Dec. 2025 was €5.33 Mil. Personal Group Holdings's Interest Expense for the
six
months ended in Dec. 2025 was €-0.04 Mil.
Personal Group Holdings's interest coverage for the quarter that ended in Dec. 2025 was 130.00.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Personal Group Holdings PLC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Personal Group Holdings's Interest Coverage or its related term are showing as below:
FRA:RLL'
s Interest Coverage Range Over the Past 10 Years
Min: 65.4 Med: 95.66 Max: 317
Current: 110.27
FRA:RLL's Interest Coverage is ranked better than 80.91% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs FRA:RLL: 110.27
Personal Group Holdings (FRA:RLL) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Personal Group Holdings Interest Coverage Related Terms
Personal Group Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Personal Group Holdings's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:RLL vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's Interest Coverage falls into.
Personal Group Holdings Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 130.00 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Personal Group Holdings and its competitors. This is 36% above median its historical median of 95.66. Over the past decade, Personal Group Holdings' Interest Coverage has ranged from 65.40 to 317.00. According to the industry distribution chart, Personal Group Holdings ranks #67 out of 351 companies in the Insurance industry, placing it in the top 19.1%.
Is Personal Group Holdings' Interest Coverage too high?
Personal Group Holdings' current Interest Coverage of 130.00 is 36% above median its 10-year median of 95.66. Over the past 10 years, this metric has ranged from a low of 65.40 to a high of 317.00. The Insurance industry median Interest Coverage is 16.23. Personal Group Holdings' value of 130.00 is 701% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #67 out of 351 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' Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #67 out of 351 companies for Interest Coverage. This places Personal Group Holdings in the top 19% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Personal Group Holdings' value of 130.00 is 701% above this benchmark. Historically, Personal Group Holdings' own Interest Coverage has ranged from 65.40 to 317.00 over the past decade. While the company's 10-year median is 95.66 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current Interest Coverage of 130.00 is 701% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current Interest Coverage is 130.00, which is 36% above median its own 10-year median of 95.66. 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 €2.55, compared to a current price of €4.24 — trading 66.3% above its estimated fair value. The current Interest Coverage is 130.00, which is 36% above median its 10-year median of 95.66 and 701% above the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Interest Coverage is 130.00 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 66.3% above its estimated GF Value™ of €2.55.
GuruFocus considers Personal Group Holdings to be Significantly Overvalued.
Key valuation signals for FRA:RLL:
Interest Coverage: 130.00 (36% above median its 10-year median of 95.66)
GF Value™: €2.55 vs. price of €4.24 (66.3% above fair value)
Industry Position: 701% above the Insurance median (#67 of 351)
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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