Personal Group Holdings (FRA:RLL) Property, Plant and Equipment: €4.53 Mil (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 Property, Plant and Equipment?

Personal Group Holdings FRA:RLL +0.47% 44 Property, Plant and Equipment is €4.53 Mil 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.

Personal Group Holdings's quarterly net PPE declined from Dec. 2024 (€5.41 Mil) to Jun. 2025 (€5.01 Mil) and declined from Jun. 2025 (€5.01 Mil) to Dec. 2025 (€4.53 Mil).

Personal Group Holdings's annual net PPE declined from Dec. 2023 (€5.83 Mil) to Dec. 2024 (€5.41 Mil) and declined from Dec. 2024 (€5.41 Mil) to Dec. 2025 (€4.53 Mil).


Personal Group Holdings  (FRA:RLL) Property, Plant and Equipment Explanation

A company with durable competitive advantage doesn't need to constantly upgrade its equipment to stay competitive. The company replaces when it wears out. On the other hand, a company without any advantages must replace to keep pace.

Difference between a company with a moat and one without is that the company with the competitive advantage finances new equipment through internal cash flows, whereas the no advantage company requires debt to finance.

Producing a consistent product that doesn't change equates to consistent profits. There is no need to upgrade plants which frees up cash for other ventures. Think Coca Cola, Johnson & Johnson etc.


Personal Group Holdings Property, Plant and Equipment Related Terms


Personal Group Holdings Property, Plant and Equipment Historical Data

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The historical data trend for Personal Group Holdings's Property, Plant and Equipment 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 Property, Plant and Equipment Chart

Personal Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Property, Plant and Equipment
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.92 5.33 5.83 5.41 4.53

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
Property, Plant and Equipment 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 5.83 5.71 5.41 5.01 4.53
FRA:RLL
44GF Score
Personal Group Holdings PLC FRA:RLL
Property, Plant and Equipment is just one metric. See GF Score™, valuation, warning signs, and more.
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Personal Group Holdings Property, Plant and Equipment Calculation

Property, Plant and Equipment (PPE) are the fixed assets of the companyFixed assets are also known as non-current assets.

Property, plant, and equipment includes assets that will - in the normal course of business - neither be used up in the next year nor will become a part of any product sold to customers.

Some of the most common parts of property, plant, and equipment are:


Land
Buildings (and leasehold improvements)
Transportation equipment
Manufacturing equipment
Office equipment
Office furniture

Companies with lots of property, plant, and equipment often have special categories. For example, railroad property includes:


Track
Ties
Ballast
Bridges
Tunnels
Signals
Locomotives
Freight Cars

There is often a note in the financial statements - found in a company's 10-K - that will explain the different categories of property a company owns.

The market value of property, plant, and equipment can differ tremendously from the book value of property, plant, and equipment.

For example, when Berkshire Hathaway liquidated its textile mills, it had to pay the buyers of the company's manufacturing equipment to haul the equipment away. That property, plant, and equipment was literally worth less than zero. On the other hand, some companies own thousands of acres of land.

All property, plant, and equipment other than land is depreciated. Land is never depreciated. However, land is not marked up to market value either. Under Generally Accepted Accounting Principles (GAAP), land is shown on the balance sheet at cost.

The property, plant, and equipment line shown on the balance sheet is usually net property, plant, and equipment. This means it is the cost of the property, plant, and equipment less accumulated depreciation.

What does a Property, Plant and Equipment of €4.53 Mil mean?
Personal Group Holdings (FRA:RLL) has a Property, Plant and Equipment of €4.53 Mil as of Dec. 2025. The total property, plant and equipment recorded on a company's balance sheet less accumulated depreciation. View historical data on Personal Group Holdings and its competitors.
Is Personal Group Holdings' Property, Plant and Equipment too high?
Personal Group Holdings' current Property, Plant and Equipment is €4.53 Mil. 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' Property, Plant and Equipment compare to CB and PGR?
Personal Group Holdings' Property, Plant and Equipment of €4.53 Mil 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 Property, Plant and Equipment for an Insurance company?
A good Property, Plant and Equipment depends on the Insurance industry context. However, Property, Plant and Equipment 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 Property, Plant and Equipment mean?
A high Property, Plant and Equipment can signal that a stock is expensive relative to its fundamentals. The total property, plant and equipment recorded on a company's balance sheet less accumulated depreciation. View historical data on Personal Group Holdings and its competitors. Personal Group Holdings's current Property, Plant and Equipment is €4.53 Mil. 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 Property, Plant and Equipment is €4.53 Mil. 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 Property, Plant and Equipment calculated?
Property, Plant and Equipment is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Property, Plant and Equipment is €4.53 Mil 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:

  • Property, Plant and Equipment: €4.53 Mil
  • 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

Property, Plant and Equipment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.24
Price
€2.53
GF Value