Shawbrook Group (LSE:SHAA) Scaled Net Operating Assets: 0.03 (As of Dec. 2025)


What is Shawbrook Group Scaled Net Operating Assets?

Shawbrook Group LSE:SHAA 42 Scaled Net Operating Assets is 0.03 as of Dec. 2025. GuruFocus rates LSE:SHAA with a GF Score™ of 42/100. The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Shawbrook Group's operating assets for the quarter that ended in Dec. 2025 was £20,544.40 Mil. Shawbrook Group's operating liabilities for the quarter that ended in Dec. 2025 was £20,017.80 Mil. Shawbrook Group's Total Assets for the quarter that ended in Jun. 2025 was £20,275.10 Mil. Therefore, Shawbrook Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

Shawbrook Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Shawbrook Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(20544.4-20017.8)/19722.7
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22468.9 - 1924.5
=20544.4

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=20626.4 - 608.6 - 0
=20017.8

Shawbrook Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(20544.4-20017.8)/20275.1
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22468.9 - 1924.5
=20544.4

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=20626.4 - 608.6 - 0
=20017.8

* 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.

What does a Scaled Net Operating Assets of 0.03 mean?
Shawbrook Group (LSE:SHAA) has a Scaled Net Operating Assets of 0.03 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Shawbrook Group and its competitors.
Is Shawbrook Group's Scaled Net Operating Assets too high?
Shawbrook Group's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to competitors?
Shawbrook Group's Scaled Net Operating Assets of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Shawbrook Group and its competitors. Shawbrook Group's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets of 0.03. The current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Shawbrook Group (LSE:SHAA), the current Scaled Net Operating Assets is 0.03 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 Business Description

Other Exchanges SHAWl:UKSHAW:UKZ9W:Germany
Address The Drive, Great Warley, Lutea House, Warley Hill Business Park, Brentwood, Essex, GBR, CM13 3BE
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.