Manx Financial GroupFRA:3IM +3.40%46 PEG Ratio is 0.48 as of Jul. 03, 2026, which is 2% below its 10-year median of 0.49. GuruFocus rates FRA:3IM with a GF Score™ of 46/100 and a GF Value™ of €0.27 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,228 Banks companies, Manx Financial Group ranks better than 86.32% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Manx Financial Group's PEG Ratio or its related term are showing as below:
FRA:3IM'
s PEG Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.49 Max: 2.09
Current: 0.53
During the past 13 years, Manx Financial Group's highest PEG Ratio was 2.09. The lowest was 0.18. And the median was 0.49.
FRA:3IM's PEG Ratio is ranked better than 86.32% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs FRA:3IM: 0.53
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Manx Financial Group (FRA:3IM) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Manx Financial Group PEG Ratio Related Terms
Manx Financial Group PEG Ratio Historical Data
* Premium members only.
The historical data trend for Manx Financial Group's PEG 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.
For the Banks - Regional subindustry, Manx Financial Group's PEG Ratio, along with its competitors' market caps and PEG 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.
Manx Financial Group PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Manx Financial Group (FRA:3IM) has a PEG Ratio of 0.48 as of Jul. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Manx Financial Group and its competitors. This is near median its historical median of 0.49. Over the past decade, Manx Financial Group's PEG Ratio has ranged from 0.18 to 2.09. According to the industry distribution chart, Manx Financial Group ranks #168 out of 1228 companies in the Banks industry, placing it in the top 13.7%.
Is Manx Financial Group's PEG Ratio too high?
Manx Financial Group's current PEG Ratio of 0.48 is near median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 2.09. The Banks industry median PEG Ratio is 1.53. Manx Financial Group's value of 0.48 is 68.6% below this industry median. Based on the distribution chart, Manx Financial Group ranks #168 out of 1228 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Manx Financial Group has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #168 out of 1228 companies for PEG Ratio. This places Manx Financial Group in the top 14% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.53. Manx Financial Group's value of 0.48 is 68.6% below this benchmark. Historically, Manx Financial Group's own PEG Ratio has ranged from 0.18 to 2.09 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.53, Manx Financial Group has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Manx Financial Group's current PEG Ratio of 0.48 is 68.6% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Manx Financial Group and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current PEG Ratio is 0.48, which is near median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €0.30 — trading 12.6% above its estimated fair value. The current PEG Ratio is 0.48, which is near median its 10-year median of 0.49 and 68.6% below the Banks industry median of 1.53. Manx Financial Group's overall GF Score™ is 46/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Manx Financial Group (FRA:3IM), the current PEG Ratio is 0.48 as of Jul. 03, 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 12.6% above its estimated GF Value™ of €0.27.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
PEG Ratio: 0.48 (near median its 10-year median of 0.49)
GF Value™: €0.27 vs. price of €0.30 (12.6% above fair value)
Industry Position: 68.6% below the Banks median (#168 of 1228)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
46GF Score
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