Shawbrook GroupLSE:SHAA 42 Piotroski F-Score is 5 as of Jun. 27, 2026, which is at its 10-year median of 5.00. GuruFocus rates LSE:SHAA with a GF Score™ of 42/100. The stock has 2 warning signs investors should review. Among 1,498 Banks companies, Shawbrook Group ranks worse than 57.34% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Shawbrook Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Shawbrook Group's Piotroski F-Score or its related term are showing as below:
LSE:SHAA'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 5 Max: 7
Current: 5
During the past 9 years, the highest Piotroski F-Score of Shawbrook Group was 7. The lowest was 3. And the median was 5.
Shawbrook Group (LSE:SHAA) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Shawbrook Group Piotroski F-Score Related Terms
Shawbrook Group Piotroski F-Score Historical Data
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The historical data trend for Shawbrook Group's Piotroski F-Score can be seen below:
* 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.
Shawbrook Group Piotroski F-Score Competitor Comparison
For the Banks - Regional subindustry, Shawbrook Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Shawbrook Group Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Shawbrook Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Shawbrook Group's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Shawbrook Group's current Net Income (TTM) was 195.50.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Shawbrook Group's return on assets of this year was 0.00991244. Shawbrook Group's return on assets of last year was 0.01275803.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Shawbrook Group's gearing of this year was 0.02884934. Shawbrook Group's gearing of last year was 0.04036376.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Shawbrook Group's current ratio of this year was 1.08932727. Shawbrook Group's current ratio of last year was 1.0872252.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Shawbrook Group's number of shares in issue this year was 0. Shawbrook Group's number of shares in issue last year was 0.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Shawbrook Group's net margin of this year was 0.28403313. Shawbrook Group's net margin of last year was 0.35628645.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Shawbrook Group's asset turnover of this year was 0.03489887. Shawbrook Group's asset turnover of last year was 0.03580836.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Shawbrook Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Shawbrook Group (LSE:SHAA) has a Piotroski F-Score of 5 as of Jun. 27, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Shawbrook Group and its competitors. This is near median its historical median of 5.00. Over the past decade, Shawbrook Group's Piotroski F-Score has ranged from 3.00 to 7.00. According to the industry distribution chart, Shawbrook Group ranks #859 out of 1498 companies in the Banks industry, placing it in the top 57.3%.
Is Shawbrook Group's Piotroski F-Score too high?
Shawbrook Group's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 7.00. The Banks industry median Piotroski F-Score is 6.00. Shawbrook Group's value of 5 is 16.7% below this industry median. Based on the distribution chart, Shawbrook Group ranks #859 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Shawbrook Group has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Shawbrook Group's Piotroski F-Score compare to competitors?
According to the Banks industry distribution chart, Shawbrook Group ranks #859 out of 1498 companies for Piotroski F-Score. This places Shawbrook Group in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Shawbrook Group's value of 5 is 16.7% below this benchmark. Historically, Shawbrook Group's own Piotroski F-Score has ranged from 3.00 to 7.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, Shawbrook Group has consistently been below 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shawbrook Group's current Piotroski F-Score of 5 is 16.7% below 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Shawbrook Group and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shawbrook Group's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shawbrook Group stock overvalued right now?
Shawbrook Group (LSE:SHAA) has a current Piotroski F-Score of 5. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 16.7% below the Banks industry median of 6.00. Shawbrook Group's overall GF Score™ is 42/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Shawbrook Group (LSE:SHAA), the current Piotroski F-Score is 5 as of Jun. 27, 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.
Shawbrook Group PLC is a specialist savings and lending bank operating in the United Kingdom. It focuses mostly on poorly served customer segments across the small to medium-size enterprise and retail market of the island nation. Shawbrook's primary markets include property, business, and consumer finance. The company has grown since its founding through mostly acquisitions. Net operating income mostly derives from asset finance, commercial mortgages, and secured lending. Shawbrook emphasizes customer service, and reputation. The company operates in four segments Real Estate, SME, Consumer Finance and Retail Mortgage Brands.
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