Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Shawbrook GroupLSE:SHAA 40 Return-on-Tangible-Asset is 0.72% as of Dec. 2025, which is 40% below its 10-year median of 1.20. GuruFocus rates LSE:SHAA with a GF Score™ of 40/100. The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Shawbrook Group ranks worse than 54.27% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Shawbrook Group's annualizedNet Income for the quarter that ended in Dec. 2025 was £152.00 Mil. Shawbrook Group's average total tangible assets for the quarter that ended in Dec. 2025 was £21,235.80 Mil. Therefore, Shawbrook Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.72%.
The historical rank and industry rank for Shawbrook Group's Return-on-Tangible-Asset or its related term are showing as below:
LSE:SHAA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.66 Med: 1.2 Max: 1.86
Current: 0.94
During the past 9 years, Shawbrook Group's highest Return-on-Tangible-Asset was 1.86%. The lowest was -0.66%. And the median was 1.20%.
LSE:SHAA's Return-on-Tangible-Asset is ranked worse than 54.27% of 1524
companies
in the Banks industry
Industry Median: 1
vs LSE:SHAA: 0.94
Shawbrook Group (LSE:SHAA) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Shawbrook Group Return-on-Tangible-Asset Related Terms
Shawbrook Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Shawbrook Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Shawbrook Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Shawbrook Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Shawbrook Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.72% mean?
Shawbrook Group (LSE:SHAA) has a Return-on-Tangible-Asset of 0.72% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Shawbrook Group and its competitors. This is 40% below median its historical median of 1.20. According to the industry distribution chart, Shawbrook Group ranks #827 out of 1524 companies in the Banks industry, placing it in the top 54.3%.
Is Shawbrook Group's Return-on-Tangible-Asset too high?
Shawbrook Group's current Return-on-Tangible-Asset of 0.72% is 40% below median its 10-year median of 1.20. The Banks industry median Return-on-Tangible-Asset is 1.00. Shawbrook Group's value of 0.72% is 28% below this industry median. Based on the distribution chart, Shawbrook Group ranks #827 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Shawbrook Group has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Shawbrook Group's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Shawbrook Group ranks #827 out of 1524 companies for Return-on-Tangible-Asset. This places Shawbrook Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Shawbrook Group's value of 0.72% is 28% below this benchmark. While the company's 10-year median is 1.20 vs. the industry median of 1.00, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shawbrook Group's current Return-on-Tangible-Asset of 0.72% is 28% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Shawbrook Group and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shawbrook Group's current Return-on-Tangible-Asset is 0.72%, which is 40% below median its own 10-year median of 1.20. 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 Return-on-Tangible-Asset of 0.72%. The current Return-on-Tangible-Asset is 0.72%, which is 40% below median its 10-year median of 1.20 and 28% below the Banks industry median of 1.00. Shawbrook Group's overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Shawbrook Group (LSE:SHAA), the current Return-on-Tangible-Asset is 0.72% 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.
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:SHAA has been successfully added to your 
