3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Personal Group Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -1,628.33%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Personal Group Holdings's 3-Year ROIIC % or its related term are showing as below:
FRA:RLL's 3-Year ROIIC % is ranked worse than 99.7% of 329
companies
in the Insurance industry
Industry Median: 5.12
vs FRA:RLL: -1628.33
Personal Group Holdings (FRA:RLL) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Personal Group Holdings 3-Year ROIIC % Related Terms
Personal Group Holdings 3-Year ROIIC % Historical 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.
FRA:RLL vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's 3-Year ROIIC % falls into.
Personal Group Holdings 3-Year ROIIC % Calculation
Personal Group Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 8.4052913 (Dec. 2025) - -7.75 (Dec. 2022) )
/
( 23.737 (Dec. 2025) - 24.86925 (Dec. 2022) )
=
16.1552913
/
-1.13225
=
-1,426.83%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Personal Group Holdings (FRA:RLL) has a 3-Year ROIIC % of -1,628.33 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Personal Group Holdings and its competitors. According to the industry distribution chart, Personal Group Holdings ranks #328 out of 329 companies in the Insurance industry, placing it in the top 99.7%.
Is Personal Group Holdings' 3-Year ROIIC % too high?
Personal Group Holdings' current 3-Year ROIIC % is -1,628.33. Based on the distribution chart, Personal Group Holdings ranks #328 out of 329 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' 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #328 out of 329 companies for 3-Year ROIIC %. This places Personal Group Holdings in the lower half of its industry. The industry median 3-Year ROIIC % is 5.12. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.12, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current 3-Year ROIIC % is -1,628.33. 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 3-Year ROIIC % is -1,628.33. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current 3-Year ROIIC % is -1,628.33 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 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:
3-Year ROIIC %: -1,628.33
GF Value™: €2.55 vs. price of €4.24 (66.3% above fair value)
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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