19 October 2026

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Personal Assets Trust PLC (PNL)

Rank #221 of 280 - Financials - UK Equities

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Personal Assets Trust PLC

PNL.L·Financials·Market Cap £1.7b

Rank #221 of 280

Quantitative Model · 280 Stocks Analysed

£5.45

+0.74% YTD

52W: £5.15 - £5.58

Factor Analysis Summary

Editorial assessment generated from Personal Assets Trust PLC's live factor scores and sector positioning.

Based on Strategyland's proprietary 7-factor analysis, Personal Assets Trust PLC (PNL.L) currently holds an overall rank of #221 out of 280 FTSE 100 constituents, reflecting its weighted composite score across liquidity, valuation, profitability, solvency, asset efficiency, market trading, and technical dimensions.

Key strengths include solvency (Altman Z-Score 440.0), where it demonstrates a robust solvency position with conservative leverage and strong balance sheet coverage; profitability (ROE 6.1%, net margin 88.8%), where it demonstrates strong profitability metrics, ranking in the top quartile for earnings quality and return on capital; and market trading, where it demonstrates strong market trading characteristics with favourable volume trends and institutional participation.

Areas requiring attention include asset efficiency, where poor capital efficiency suggests assets may be underutilised or overvalued on the balance sheet, as well as liquidity, where thin trading volumes could increase transaction costs and slippage.

Within the Financials sector, Personal Assets Trust PLC sits at composite rank #221, trailing the Financials peer average (rank 8). It ranks behind all 6 tracked Financials peers in our model.

Despite its mid-table composite rank of #221, Personal Assets Trust PLC shows selective strength — notably in solvency and profitability — suggesting a stock with identifiable merits alongside clear areas for improvement.

Strongest Factors

Solvency — Rank 4/280 (top quartile)
Profitability — Rank 16/280 (top quartile)
Market Trading — Rank 32/280 (top quartile)

Weakest Factors

Asset Efficiency — Rank 252/280 (below average)
Liquidity — Rank 211/280 (below average)

Score Analysis

Personal Assets Trust PLC is ranked #221 out of 280 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

105/280

Average Score

Liquidity

Weak211/280

Valuation

Good88/280

Profitability

Excellent16/280

Solvency

Excellent4/280

Asset Efficiency

Weak252/280

Mkt Trading

Excellent32/280

Technical

Fair129/280

1. Liquidity

Score: 211/280

How liquid is PNL and can it meet its short-term obligations?

0/6

liquidity criteria met

Metric

Sector Range

Value

Rank

–

Quick Ratio

N/A

Range: N/A

–

Current Ratio

N/A

7.61xRank 19/280

Range: N/ARank 19/280

–

TTM Operating Cash Flow

N/A

-1.86xRank 239/280

Range: N/ARank 239/280

–

Liquidity Coverage Ratio

100-150

N/A

Range: 100-150

–

Intangible Asset Ratio

10 - 30

N/ARank 193/280

Range: 10 - 30Rank 193/280

–

Cash-to-Debt Ratio

N/A

N/ARank 259/280

Range: N/ARank 259/280

Key Liquidity Metrics

Quick Ratio

N/A

Sector: N/A

Current Ratio

7.61x

Sector: N/A

Overall Liquidity Rank

Rank within universe#211/280

Best (1)Worst (280)

2. Valuation

Score: 88/280

Is PNL undervalued compared to its peers and fair value metrics?

2/7

valuation criteria met

Metric

Sector Range

Value

Rank

–

FY27e P/E

8x - 18x

N/A

Range: 8x - 18x

–

FY26e P/E

8x - 18x

N/A

Range: 8x - 18x

–

FY27e Net Div Yld (%)

3.0 - 8.0

N/A

Range: 3.0 - 8.0

✗

Div Payout Ratio

30 - 55

22.23%Rank 50/280

Range: 30 - 55Rank 50/280

–

Current EV/EBITDA

N/A

16.0xRank 230/280

Range: N/ARank 230/280

✓

Current P/TBV

0.8x - 2.0x

0.99xRank 81/280

Range: 0.8x - 2.0xRank 81/280

✓

Current P/B

0.8x - 2.0x

0.99xRank 95/280

Range: 0.8x - 2.0xRank 95/280

Key Valuation Metrics

TTM P/E

Price-to-Earnings

16.8x

FY26e P/E

Forward estimate

N/A

FY27e P/E

Forward estimate

N/A

Current P/B

Price-to-Book

0.99x

Current P/TBV

Tangible Book Value

0.99x

Current EV/EBITDA

Enterprise Value

16.0x

FY26e EV/EBITDA

Forward estimate

N/A

FY27e EV/EBITDA

Forward estimate

N/A

Dividend

PNL pays a dividend yield of 1.05%.

Current Yield

1.05%

FY27e Net Div Yield

N/A

FY26e Gross DPS

N/A

FY27e Gross DPS

N/A

3. Profitability

Score: 16/280

How profitable is PNL relative to its peers?

0/7

profitability criteria met

Metric

Sector Range

Value

Rank

✗

TTM Profit Margin

15 - 30

88.8%Rank 43/280

Range: 15 - 30Rank 43/280

–

T12 FCF Margin

N/A

Range: N/A

–

FY27e RoE

10 - 16

N/A

Range: 10 - 16

–

FY26 EPS Growth

8 - 15

N/A

Range: 8 - 15

–

FY27e EPS Growth

6 - 12

N/A

Range: 6 - 12

–

NIM

1.5 - 3.2

N/A

Range: 1.5 - 3.2

–

Expense Ratio

50 - 65

N/A

Range: 50 - 65

TTM Profit Margin

88.8%

Current RoCE

6.1%

FY27e RoE

N/A

T12 FCF Margin

N/A

4. Solvency

Score: 4/280

How strong is PNL's balance sheet and financial position?

0/6

solvency criteria met

Metric

Sector Range

Value

Rank

–

Debt/Eqt

0.5x - 1.5x

N/A

Range: 0.5x - 1.5x

–

Interest Coverage Ratio

N/A

Range: N/A

–

Net Leverage Ratio

N/A

Range: N/A

–

Altman Z-Score (Manufacturing)

N/A

440.02Rank 4/280

Range: N/ARank 4/280

–

Z-Score (Non Manufacturing)

N/A

Rank 4Rank 4/280

Range: N/ARank 4/280

–

CapAdeq Ratio Tier1

13 - 18

N/A

Range: 13 - 18

Key Solvency Metrics

Debt/Eqt

N/A

Net Leverage Ratio

N/A

Interest Coverage

N/A

T12 FCF Margin

N/A

Altman Z-Score

440.02

Safe Zone

01.812.995+

5. Asset Efficiency

Score: 252/280

How efficiently does PNL deploy its assets and intellectual capital?

0/5

asset efficiency criteria met

Metric

Sector Range

Value

Rank

–

Efficiency Ratio

50 - 70

N/A

Range: 50 - 70

–

TTM Asset Turnover Ratio

N/A

0.07xRank 237/280

Range: N/ARank 237/280

–

TTM CAPEX/Sales

1 - 3

N/A

Range: 1 - 3

–

Working Capital Turnover

N/A

1.18xRank 143/280

Range: N/ARank 143/280

–

R&D/Sales FY27e

N/A

Range: N/A

Overall Asset Efficiency Rank

Rank within sector peers#252/280

Best (1)Worst (280)

6. Market Trading

Score: 32/280

How liquid and actively traded is PNL?

1/2

market trading criteria met

Metric

Sector Range

Value

Rank

–

Intraday Sentiment (%)

40 - 75

N/A

Range: 40 - 75

–

10D-Avg v/s 3M-Avg Vol

N/A

107%Rank 50/280

Range: N/ARank 50/280

✓

Avg Directional Index 30D

012 - 45

22.2Rank 105/280

Range: 012 - 45Rank 105/280

–

Parabolic SAR

N/A

547.42Rank 144/280

Range: N/ARank 144/280

–

Stock Rating Rank

N/A

Range: N/A

Market Cap

£1,672,301,827

Enterprise Value

£1,662,798,827

Trading Volume

7. Technical

Score: 129/280

What do the technical indicators say about PNL?

0/5

technical criteria met

Metric

Chart

Sector Range

Value

Rank

–

CMP v/s 52-WH

£5.58£5.15

-2.3%CMP: £5.45

N/A

-2.3%Rank 23/280

£5.58£5.15

-2.3%CMP: £5.45

Range: N/ARank 23/280

–

CMP v/s 52-WL

£5.58£5.15

+5.8%CMP: £5.45

N/A

5.8%Rank 34/280

£5.58£5.15

+5.8%CMP: £5.45

Range: N/ARank 34/280

–

RSI 14D

050.0 - Bearish100

N/A

50.0Rank 50/280

050.0 - Bearish100

Range: N/ARank 50/280

–

MA50 - MA200

£5.41+0.06£5.47

N/A

BullishRank 179/280

£5.41+0.06£5.47

Range: N/ARank 179/280

–

MACD Rank

Golden Cross

MACD: 0.35

N/A

0.35Rank 100/280

Golden Cross

MACD: 0.35

Range: N/ARank 100/280

RSI (14 Day)

50.0

Neutral

0 (Oversold)50100 (Overbought)

Moving Averages

50 SMA£5.47

200 SMA£5.41

SignalGolden Cross (Bullish)

MACD0.35

Risk Metrics

Beta

N/A

3-Yr Std Dev

N/A

5-Yr Std Dev

N/A

Peer Comparison

How does PNL compare to other Financials stocks?

Overall Rank Comparison

Factor Score Comparison

Stock	Rank	Liquidity	Valuation	Profitability	Solvency	Mkt Trading	Technical
PNL	#221	211	88	16	4	32	129
MUT.L	#3	128	38	24	56	27	8
RTW.L	#5	116	7	9	145	69	229
BPCR.L	#7	163	34	56	9	112	76
RCP.L	#9	179	26	22	59	13	2
AGT.L	#11	108	57	55	72	90	79
TBCG.L	#14	29	55	38	257	129	18

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Methodology Note

The analysis presented for Personal Assets Trust PLC is produced using Strategyland's proprietary 7-factor quantitative model, which evaluates each stock across Liquidity, Valuation, Profitability, Solvency, Asset Efficiency, Market Trading, and Technical dimensions. Individual factor scores and the composite rank reflect relative rankings within the FTSE 100 universe — a lower rank number indicates stronger performance in that category.

Underlying financial and market data is sourced from LSEG (London Stock Exchange Group) and processed through our scoring engine. Scores are recalculated as new data becomes available and should be interpreted as a systematic screening output, not a forecast of future share price performance.

This content is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance and factor rankings are not indicative of future results. Please read our Risk Disclaimer before making any investment decisions.

Strategyland Research Center - strategyland.ukThis report is for informational purposes only. Not financial advice.