Shawbrook GroupLSE:SHAA 42 ROA % is 0.71% as of Dec. 2025, which is 40% below its 10-year median of 1.19. GuruFocus rates LSE:SHAA with a GF Score™ of 42/100. The stock has 2 warning signs investors should review. Among 1,529 Banks companies, Shawbrook Group ranks worse than 52.91% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Shawbrook Group's annualizedNet Income for the quarter that ended in Dec. 2025 was £152.00 Mil.
Shawbrook Group's average Total Assets over the quarter that ended in Dec. 2025 was £21,372.00 Mil. Therefore, Shawbrook Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.71%.
The historical rank and industry rank for Shawbrook Group's ROA % or its related term are showing as below:
LSE:SHAA'
s ROA % Range Over the Past 10 Years
Min: -0.65 Med: 1.19 Max: 1.84
Current: 0.94
During the past 9 years, Shawbrook Group's highest ROA % was 1.84%. The lowest was -0.65%. And the median was 1.19%.
LSE:SHAA's ROA % is ranked worse than 52.91% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs LSE:SHAA: 0.94
Shawbrook Group (LSE:SHAA) 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 (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.
Shawbrook Group ROA % Related Terms
Shawbrook Group ROA % Historical Data
* Premium members only.
The historical data trend for Shawbrook Group's ROA % 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.
For the Banks - Regional subindustry, Shawbrook Group'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.
Shawbrook Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Shawbrook Group's ROA % distribution charts can be found below:
* The bar in red indicates where Shawbrook Group'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Shawbrook Group (LSE:SHAA) has a ROA % of 0.71% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Shawbrook Group and its competitors. This is 40% below median its historical median of 1.19. According to the industry distribution chart, Shawbrook Group ranks #809 out of 1529 companies in the Banks industry, placing it in the top 52.9%.
Is Shawbrook Group's ROA % too high?
Shawbrook Group's current ROA % of 0.71% is 40% below median its 10-year median of 1.19. The Banks industry median ROA % is 0.98. Shawbrook Group's value of 0.71% is 27.6% below this industry median. Based on the distribution chart, Shawbrook Group ranks #809 out of 1529 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Shawbrook Group ranks #809 out of 1529 companies for ROA %. This places Shawbrook Group in the lower half of its industry. The industry median ROA % is 0.98. Shawbrook Group's value of 0.71% is 27.6% below this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 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. Shawbrook Group's current ROA % of 0.71% is 27.6% 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 Shawbrook Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shawbrook Group's current ROA % is 0.71%, which is 40% below median its own 10-year median of 1.19. 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 ROA % of 0.71%. The current ROA % is 0.71%, which is 40% below median its 10-year median of 1.19 and 27.6% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Shawbrook Group (LSE:SHAA), the current ROA % is 0.71% 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.
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