Personal Group HoldingsFRA:RLL 44 ROA % is 15.78% as of Dec. 2025, which is 21% above its 10-year median of 13.09. 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 506 Insurance companies, Personal Group Holdings ranks better than 96.05% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Personal Group Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was €9.81 Mil.
Personal Group Holdings's average Total Assets over the quarter that ended in Dec. 2025 was €62.19 Mil. Therefore, Personal Group Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 15.78%.
The historical rank and industry rank for Personal Group Holdings's ROA % or its related term are showing as below:
FRA:RLL'
s ROA % Range Over the Past 10 Years
Min: -14.49 Med: 13.09 Max: 16.47
Current: 13.78
During the past 13 years, Personal Group Holdings's highest ROA % was 16.47%. The lowest was -14.49%. And the median was 13.09%.
FRA:RLL's ROA % is ranked better than 96.05% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs FRA:RLL: 13.78
Personal Group Holdings (FRA:RLL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Personal Group Holdings (FRA:RLL) has a ROA % of 15.78% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Personal Group Holdings and its competitors. This is 21% above median its historical median of 13.09. According to the industry distribution chart, Personal Group Holdings ranks #20 out of 506 companies in the Insurance industry, placing it in the top 4%.
Is Personal Group Holdings' ROA % too high?
Personal Group Holdings' current ROA % of 15.78% is 21% above median its 10-year median of 13.09. The Insurance industry median ROA % is 2.70. Personal Group Holdings' value of 15.78% is 484.4% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #20 out of 506 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' ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #20 out of 506 companies for ROA %. This places Personal Group Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Personal Group Holdings' value of 15.78% is 484.4% above this benchmark. While the company's 10-year median is 13.09 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current ROA % of 15.78% is 484.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current ROA % is 15.78%, which is 21% above median its own 10-year median of 13.09. 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 €4.22 — trading 66.8% above its estimated fair value. The current ROA % is 15.78%, which is 21% above median its 10-year median of 13.09 and 484.4% above the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current ROA % is 15.78% 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 €4.22 is trading 66.8% above its estimated GF Value™ of €2.53.
GuruFocus considers Personal Group Holdings to be Significantly Overvalued.
Key valuation signals for FRA:RLL:
ROA %: 15.78% (21% above median its 10-year median of 13.09)
GF Value™: €2.53 vs. price of €4.22 (66.8% above fair value)
Industry Position: 484.4% above the Insurance median (#20 of 506)
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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