Personal Group Holdings (FRA:RLL) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


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 ROC (Joel Greenblatt) %?

Personal Group Holdings FRA:RLL +0.47% 44 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates FRA:RLL with a GF Score™ of 44/100 and a GF Value™ of €2.55 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 63 Insurance companies, Personal Group Holdings ranks worse than 1587300% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:RLL
44GF Score
Personal Group Holdings PLC FRA:RLL
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Personal Group Holdings (FRA:RLL) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Personal Group Holdings and its competitors. According to the industry distribution chart, Personal Group Holdings ranks #999999 out of 63 companies in the Insurance industry.
Is Personal Group Holdings' ROC (Joel Greenblatt) % too high?
Personal Group Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Personal Group Holdings ranks #999999 out of 63 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' ROC (Joel Greenblatt) % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #999999 out of 63 companies for ROC (Joel Greenblatt) %. This places Personal Group Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 79.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 79.14, based on 63 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 79.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current ROC (Joel Greenblatt) % is %. 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 €2.55, compared to a current price of €4.24 — trading 66.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current ROC (Joel Greenblatt) % is % 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 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:

  • ROC (Joel Greenblatt) %: %
  • 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.24
Price
€2.55
GF Value