Personal Group Holdings (FRA:RLL) Quality Rank


FRA:RLL Personal Group Holdings PLC FRA:RLL
44 GF Score
Price €4.24
GF Value €2.55
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Personal Group Holdings Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Personal Group Holdings Quality Rank Related Terms

FRA:RLL
44GF Score
Personal Group Holdings PLC FRA:RLL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 66.3% above its estimated GF Value™ of €2.55. GuruFocus considers Personal Group Holdings to be Significantly Overvalued.

Key valuation signals for FRA:RLL:

  • Quality Rank:
  • GF Value™: €2.55 vs. price of €4.24 (66.3% 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

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

€4.24
Price
€2.55
GF Value