Personal Group Holdings (FRA:RLL) Dividend Payout Ratio: 0.00 (As of Dec. 2025)

What is Personal Group Holdings Dividend Payout Ratio?

Personal Group Holdings FRA:RLL +0.47% 44 Dividend Payout Ratio 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. Among 335 Insurance companies, Personal Group Holdings ranks worse than 86.57% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Personal Group Holdings's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.00.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Personal Group Holdings PLC is 0.82, which seems too high.

The historical rank and industry rank for Personal Group Holdings's Dividend Payout Ratio or its related term are showing as below:

During the past 13 years, the highest Dividend Payout Ratio of Personal Group Holdings was 2.94. The lowest was 0.60. And the median was 0.84.

FRA:RLL's Dividend Payout Ratio is not ranked ^*
in the Insurance industry.
Industry Median: 0.38
* Ranked among companies with meaningful Dividend Payout Ratio only.

As of today (2026-06-26), the Dividend Yield % of Personal Group Holdings is 4.13%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Personal Group Holdings was 11.65%. The lowest was 2.87%. And the median was 5.52%.

Personal Group Holdings's Dividends per Share for the months ended in Dec. 2025 was €0.00.

During the past 12 months, Personal Group Holdings's average Dividends Per Share Growth Rate was 46.80% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 19.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.30% per year. During the past 10 years, the average Dividends Per Share Growth Rate was -6.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Personal Group Holdings was 33.00% per year. The lowest was -23.20% per year. And the median was 4.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Personal Group Holdings (FRA:RLL) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Personal Group Holdings Dividend Payout Ratio Related Terms

Personal Group Holdings Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Personal Group Holdings's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Personal Group Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

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Dec21

Dec22

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Dec25

Dividend Payout Ratio

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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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

FRA:RLL vs CB, PGR, TRV: Dividend Payout Ratio Comparison

For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Personal Group Holdings's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Personal Group Holdings's Dividend Payout Ratio falls into.

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44GF Score

Personal Group Holdings PLC FRA:RLL

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Personal Group Holdings Dividend Payout Ratio Calculation

Personal Group Holdings's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0	/	0.253
	=	0.00

Personal Group Holdings's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Dec. 2025 )	/	EPS without NRI (Q: Dec. 2025 )
	=	0	/	0.147
	=	0.00

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.00 mean?

Personal Group Holdings (FRA:RLL) has a Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Personal Group Holdings and its competitors. Over the past decade, Personal Group Holdings' Dividend Payout Ratio has ranged from 0.60 to 2.94. According to the industry distribution chart, Personal Group Holdings ranks #290 out of 335 companies in the Insurance industry, placing it in the top 86.6%.

Is Personal Group Holdings' Dividend Payout Ratio too high?

Personal Group Holdings' current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 2.94. Based on the distribution chart, Personal Group Holdings ranks #290 out of 335 companies in the Insurance industry, which is in the bottom quartile 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' Dividend Payout Ratio compare to CB and PGR?

According to the Insurance industry distribution chart, Personal Group Holdings ranks #290 out of 335 companies for Dividend Payout Ratio. This places Personal Group Holdings in the lower half of its industry. The industry median Dividend Payout Ratio is 0.38. Historically, Personal Group Holdings' own Dividend Payout Ratio has ranged from 0.60 to 2.94 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for an Insurance company?

The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current Dividend Payout Ratio 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 Dividend Payout Ratio 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Dividend Payout Ratio 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:

Dividend Payout Ratio: 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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Dividend Payout Ratio 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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