Personal Group HoldingsFRA:RLL +0.47%44 Return-on-Tangible-Equity is 30.33% as of Dec. 2025, which is 14% above its 10-year median of 26.52. 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 497 Insurance companies, Personal Group Holdings ranks better than 79.68% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Personal Group Holdings's annualized net income for the quarter that ended in Dec. 2025 was €9.81 Mil. Personal Group Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €32.36 Mil. Therefore, Personal Group Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 30.33%.
The historical rank and industry rank for Personal Group Holdings's Return-on-Tangible-Equity or its related term are showing as below:
FRA:RLL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -27.44 Med: 26.52 Max: 38.91
Current: 26.29
During the past 13 years, Personal Group Holdings's highest Return-on-Tangible-Equity was 38.91%. The lowest was -27.44%. And the median was 26.52%.
FRA:RLL's Return-on-Tangible-Equity is ranked better than 79.68% of 497
companies
in the Insurance industry
Industry Median: 13.54
vs FRA:RLL: 26.29
Personal Group Holdings (FRA:RLL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Personal Group Holdings Return-on-Tangible-Equity Related Terms
Personal Group Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Personal Group Holdings's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
FRA:RLL vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 30.33% mean?
Personal Group Holdings (FRA:RLL) has a Return-on-Tangible-Equity of 30.33% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Personal Group Holdings and its competitors. This is 14% above median its historical median of 26.52. According to the industry distribution chart, Personal Group Holdings ranks #101 out of 497 companies in the Insurance industry, placing it in the top 20.3%.
Is Personal Group Holdings' Return-on-Tangible-Equity too high?
Personal Group Holdings' current Return-on-Tangible-Equity of 30.33% is 14% above median its 10-year median of 26.52. The Insurance industry median Return-on-Tangible-Equity is 13.54. Personal Group Holdings' value of 30.33% is 124% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #101 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position 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' Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #101 out of 497 companies for Return-on-Tangible-Equity. This places Personal Group Holdings in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.54. Personal Group Holdings' value of 30.33% is 124% above this benchmark. While the company's 10-year median is 26.52 vs. the industry median of 13.54, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.54, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current Return-on-Tangible-Equity of 30.33% is 124% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current Return-on-Tangible-Equity is 30.33%, which is 14% above median its own 10-year median of 26.52. 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 Return-on-Tangible-Equity is 30.33%, which is 14% above median its 10-year median of 26.52 and 124% above the Insurance industry median of 13.54. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Return-on-Tangible-Equity is 30.33% 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:
Return-on-Tangible-Equity: 30.33% (14% above median its 10-year median of 26.52)
GF Value™: €2.53 vs. price of €4.24 (67.6% above fair value)
Industry Position: 124% above the Insurance median (#101 of 497)
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
Get the complete analysis for FRA:RLL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:RLL has been successfully added to your 
