Personal Group Holdings (FRA:RLL) Scaled Net Operating Assets: 0.24 (As of Dec. 2025)


FRA:RLL Personal Group Holdings PLC FRA:RLL
44 GF Score
Price €4.24
GF Value €2.53
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Personal Group Holdings Scaled Net Operating Assets?

Personal Group Holdings FRA:RLL +0.47% 44 Scaled Net Operating Assets is 0.24 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Personal Group Holdings's operating assets for the quarter that ended in Dec. 2025 was €36.98 Mil. Personal Group Holdings's operating liabilities for the quarter that ended in Dec. 2025 was €22.97 Mil. Personal Group Holdings's Total Assets for the quarter that ended in Jun. 2025 was €58.81 Mil. Therefore, Personal Group Holdings's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.24.

FRA:RLL
44GF Score
Personal Group Holdings PLC FRA:RLL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Personal Group Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Personal Group Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(36.98-22.97)/61.92
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=65.574 - 28.594
=36.98

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=23.488 - 0.121 - 0.397
=22.97

Personal Group Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(36.98-22.97)/58.805
=0.24

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=65.574 - 28.594
=36.98

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=23.488 - 0.121 - 0.397
=22.97

* 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.

What does a Scaled Net Operating Assets of 0.24 mean?
Personal Group Holdings (FRA:RLL) has a Scaled Net Operating Assets of 0.24 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Personal Group Holdings and its competitors.
Is Personal Group Holdings' Scaled Net Operating Assets too high?
Personal Group Holdings' current Scaled Net Operating Assets is 0.24. 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' Scaled Net Operating Assets compare to CB and PGR?
Personal Group Holdings' Scaled Net Operating Assets of 0.24 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Personal Group Holdings and its competitors. Personal Group Holdings's current Scaled Net Operating Assets is 0.24. 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 Scaled Net Operating Assets is 0.24. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current Scaled Net Operating Assets is 0.24 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:

  • Scaled Net Operating Assets: 0.24
  • GF Value™: €2.53 vs. price of €4.24 (67.6% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.24
Price
€2.53
GF Value