Personal Group HoldingsFRA:RLL +0.47%44 OCF Yield % is 8.09 as of Jun. 25, 2026, which is 4% above its 10-year median of 7.76. 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 504 Insurance companies, Personal Group Holdings ranks better than 50% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Personal Group Holdings OCF Yield % Related Terms
Personal Group Holdings OCF Yield % Historical Data
* 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's OCF Yield % 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 OCF Yield % of 8.09 as of Jun. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Personal Group Holdings and its competitors. This is near median its historical median of 7.76. Over the past decade, Personal Group Holdings' OCF Yield % has ranged from 4.11 to 20.18. According to the industry distribution chart, Personal Group Holdings ranks #252 out of 504 companies in the Insurance industry, placing it in the top 50%.
Is Personal Group Holdings' OCF Yield % too high?
Personal Group Holdings' current OCF Yield % of 8.09 is near median its 10-year median of 7.76. Over the past 10 years, this metric has ranged from a low of 4.11 to a high of 20.18. The Insurance industry median OCF Yield % is 8.09. Personal Group Holdings' value of 8.09 is 0.1% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #252 out of 504 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' OCF Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #252 out of 504 companies for OCF Yield %. This puts Personal Group Holdings in the upper half of its industry. The industry median OCF Yield % is 8.09. Personal Group Holdings' value of 8.09 is 0.1% above this benchmark. Historically, Personal Group Holdings' own OCF Yield % has ranged from 4.11 to 20.18 over the past decade. While the company's 10-year median is 7.76 vs. the industry median of 8.09, 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 OCF Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.09, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current OCF Yield % of 8.09 is 0.1% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median OCF Yield % is 8.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current OCF Yield % is 8.09, which is near median its own 10-year median of 7.76. 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 OCF Yield % is 8.09, which is near median its 10-year median of 7.76 and 0.1% above the Insurance industry median of 8.09. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current OCF Yield % is 8.09 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 €4.24 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:
OCF Yield %: 8.09 (near median its 10-year median of 7.76)
GF Value™: €2.53 vs. price of €4.24 (67.6% above fair value)
Industry Position: 0.1% above the Insurance median (#252 of 504)
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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