Personal Assets TrustLSE:PNL -0.56%64 ROA % is 1.20% as of Apr. 2026, which is 80% below its 10-year median of 6.10. GuruFocus rates LSE:PNL with a GF Score™ of 64/100 and a GF Value™ of £6.41 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,632 Asset Management companies, Personal Assets Trust ranks better than 59.37% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Personal Assets Trust's annualizedNet Income for the quarter that ended in Apr. 2026 was £20.3 Mil.
Personal Assets Trust's average Total Assets over the quarter that ended in Apr. 2026 was £1,685.9 Mil. Therefore, Personal Assets Trust's annualized ROA % for the quarter that ended in Apr. 2026 was 1.20%.
The historical rank and industry rank for Personal Assets Trust's ROA % or its related term are showing as below:
LSE:PNL'
s ROA % Range Over the Past 10 Years
Min: -1.62 Med: 6.1 Max: 9.75
Current: 6.06
During the past 13 years, Personal Assets Trust's highest ROA % was 9.75%. The lowest was -1.62%. And the median was 6.10%.
LSE:PNL's ROA % is ranked better than 59.37% of 1632
companies
in the Asset Management industry
Industry Median: 3.99
vs LSE:PNL: 6.06
Personal Assets Trust (LSE:PNL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Apr. 2026) net income data. The Revenue data used here is two times the semi-annual (Apr. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Asset Management subindustry, Personal Assets Trust's ROA %, along with its competitors' market caps and ROA % 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 Assets Trust ROA % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Personal Assets Trust's ROA % distribution charts can be found below:
* The bar in red indicates where Personal Assets Trust's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Apr. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Personal Assets Trust (LSE:PNL) has a ROA % of 1.20% as of Apr. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Personal Assets Trust and its competitors. This is 80% below median its historical median of 6.10. According to the industry distribution chart, Personal Assets Trust ranks #663 out of 1632 companies in the Asset Management industry, placing it in the top 40.6%.
Is Personal Assets Trust's ROA % too high?
Personal Assets Trust's current ROA % of 1.20% is 80% below median its 10-year median of 6.10. The Asset Management industry median ROA % is 3.99. Personal Assets Trust's value of 1.20% is 69.9% below this industry median. Based on the distribution chart, Personal Assets Trust ranks #663 out of 1632 companies in the Asset Management industry, which is above the industry midpoint. Overall, Personal Assets Trust has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Personal Assets Trust's ROA % compare to BLK and BX?
According to the Asset Management industry distribution chart, Personal Assets Trust ranks #663 out of 1632 companies for ROA %. This puts Personal Assets Trust in the upper half of its industry. The industry median ROA % is 3.99. Personal Assets Trust's value of 1.20% is 69.9% below this benchmark. While the company's 10-year median is 6.10 vs. the industry median of 3.99, Personal Assets Trust 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 ROA % for an Asset Management company?
The median ROA % among Asset Management companies is 3.99, based on 1,632 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Personal Assets Trust's current ROA % of 1.20% is 69.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Personal Assets Trust and its competitors. For the Asset Management industry, the median ROA % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Personal Assets Trust's current ROA % is 1.20%, which is 80% below median its own 10-year median of 6.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Personal Assets Trust stock overvalued right now?
Based on GuruFocus' analysis, Personal Assets Trust (LSE:PNL) is currently considered Modestly Undervalued. The stock's GF Value™ is £6.41, compared to a current price of £5.34 — trading 16.7% below its estimated fair value. The current ROA % is 1.20%, which is 80% below median its 10-year median of 6.10 and 69.9% below the Asset Management industry median of 3.99. Personal Assets Trust's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Personal Assets Trust (LSE:PNL), the current ROA % is 1.20% as of Apr. 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 Assets Trust (LSE:PNL) Overvalued in 2026?
Based on GuruFocus' analysis, Personal Assets Trust stock appears to be undervalued.
The current stock price of £5.34 is trading 16.7% below its estimated GF Value™ of £6.41.
GuruFocus considers Personal Assets Trust to be Modestly Undervalued.
Key valuation signals for LSE:PNL:
ROA %: 1.20% (80% below median its 10-year median of 6.10)
GF Value™: £6.41 vs. price of £5.34 (16.7% below fair value)
Industry Position: 69.9% below the Asset Management median (#663 of 1632)
No single metric tells the full story. See the LSE:PNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Personal Assets Trust PLC is an investment trust for private investors, ranging from first-time savers to experienced investors. The Company carries on the business of an investment trust and has been approved as such by HM Revenue & Customs. Its investment policy is to protect and increase, in that order, the value of shareholders' funds per share over the long term.
64GF Score
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