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Personal Group HoldingsFRA:RLL 56 5-Year Yield-on-Cost % is 5.31 as of Aug. 12, 2026, which is 29% below its 10-year median of 7.49. GuruFocus rates FRA:RLL with a GF Score™ of 56/100 and a GF Value™ of €2.59. The stock has 6 warning signs investors should review. Among 420 Insurance companies, Personal Group Holdings ranks better than 84.76% on this metric.
Personal Group Holdings (FRA:RLL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Personal Group Holdings 5-Year Yield-on-Cost % Related Terms
FRA:RLL vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Personal Group Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Personal Group Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Personal Group Holdings's 5-Year Yield-on-Cost % falls into.
Personal Group Holdings 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Personal Group Holdings (FRA:RLL) has a 5-Year Yield-on-Cost % of 5.31 as of Aug. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Personal Group Holdings and its competitors. This is 29% below median its historical median of 7.49. Over the past decade, Personal Group Holdings' 5-Year Yield-on-Cost % has ranged from 3.90 to 15.81. According to the industry distribution chart, Personal Group Holdings ranks #64 out of 420 companies in the Insurance industry, placing it in the top 15.2%.
Is Personal Group Holdings' 5-Year Yield-on-Cost % too high?
Personal Group Holdings' current 5-Year Yield-on-Cost % of 5.31 is 29% below median its 10-year median of 7.49. Over the past 10 years, this metric has ranged from a low of 3.90 to a high of 15.81. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. Personal Group Holdings' value of 5.31 is 37.2% above this industry median. Based on the distribution chart, Personal Group Holdings ranks #64 out of 420 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 56/100, reflecting its overall financial health beyond just this single metric.
How does Personal Group Holdings' 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, Personal Group Holdings ranks #64 out of 420 companies for 5-Year Yield-on-Cost %. This places Personal Group Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. Personal Group Holdings' value of 5.31 is 37.2% above this benchmark. Historically, Personal Group Holdings' own 5-Year Yield-on-Cost % has ranged from 3.90 to 15.81 over the past decade. While the company's 10-year median is 7.49 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.87, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Group Holdings's current 5-Year Yield-on-Cost % of 5.31 is 37.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Personal Group Holdings and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Group Holdings's current 5-Year Yield-on-Cost % is 5.31, which is 29% below median its own 10-year median of 7.49. 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?
Personal Group Holdings (FRA:RLL) has a current 5-Year Yield-on-Cost % of 5.31. The stock's GF Value™ is €2.59, compared to a current price of €4.46 — trading 72.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.31, which is 29% below median its 10-year median of 7.49 and 37.2% above the Insurance industry median of 3.87. Personal Group Holdings' overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Personal Group Holdings (FRA:RLL), the current 5-Year Yield-on-Cost % is 5.31 as of Aug. 12, 2026. 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 €4.46 is trading 72.2% above its estimated GF Value™ of €2.59.
Key valuation signals for FRA:RLL:
5-Year Yield-on-Cost %: 5.31 (29% below median its 10-year median of 7.49)
GF Value™: €2.59 vs. price of €4.46 (72.2% above fair value)
Industry Position: 37.2% above the Insurance median (#64 of 420)
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.
56GF Score
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