Personal Group Holdings (FRA:RLL) LT-Debt-to-Total-Asset: 0.00 (As of Dec. 2025)

What is Personal Group Holdings LT-Debt-to-Total-Asset?

Personal Group Holdings FRA:RLL +0.47% 44 LT-Debt-to-Total-Asset is 0.00 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Personal Group Holdings's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.00.

Personal Group Holdings's long-term debt to total assets ratio declined from Dec. 2024 (0.01) to Dec. 2025 (0.00). It may suggest that Personal Group Holdings is progressively becoming less dependent on debt to grow their business.

Personal Group Holdings (FRA:RLL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Personal Group Holdings LT-Debt-to-Total-Asset Related Terms

Personal Group Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Personal Group Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Personal Group Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.00

0.01

0.00

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.00	0.01	0.00	0.00

44GF Score

Personal Group Holdings PLC FRA:RLL

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Personal Group Holdings LT-Debt-to-Total-Asset Calculation

Personal Group Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0.121	/	65.574
	=	0.00

Personal Group Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	0.121	/	65.574
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Personal Group Holdings (FRA:RLL) has a LT-Debt-to-Total-Asset of 0.00 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Personal Group Holdings and its competitors.

Is Personal Group Holdings' LT-Debt-to-Total-Asset too high?

Personal Group Holdings' current LT-Debt-to-Total-Asset is 0.00. 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' LT-Debt-to-Total-Asset compare to CB and PGR?

Personal Group Holdings' LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Personal Group Holdings and its competitors. Personal Group Holdings's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current LT-Debt-to-Total-Asset is 0.00 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 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:

LT-Debt-to-Total-Asset: 0.00
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

Industry Financial Services Insurance

Comparable Companies LSE:HUW LSE:HSD LSE:MLHL LSE:SBRE CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSE:8630 TSX:FFH CINF ASX:QBE WRB MKL L

Other Exchanges PGH:UK

Address 899 Silbury Boulevard, John Ormond House, Milton Keynes, GBR, MK9 3XL

Website https://www.personalgroup.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.24

Price

€2.53

GF Value

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