Personal Assets Trust plc (PNL) Fair Value & Analysis
Financial Services · GB · Market cap 1.7B GBX
Fair value as of: Jul 12, 2026
From 13 valuation models · updated today
Fair value updated Jul 12, 2026 — revised from £6.27 to £5.60 (−10.7%) since Jun 26, 2026. Share price +0.6% over the past month.
Price vs Fair Value (12 months)
12‑month range £5.08 – £5.54 · fair‑value band £4.20 – £7.00 · the £5.38 price screens below the £5.60 fair value. As of Jul 12, 2026.
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Personal Assets Trust plc (PNL) currently trades at £5.38, while our model-based Fair Value estimate is £5.60 — implying the stock looks roughly 4.1% undervalued today. We read business quality at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.
Over the trailing twelve months, Personal Assets Trust plc generated revenue of £155M at a net margin of 99.0%. Revenue grew 149.2% year over year. It earns a return on equity of 9.3%. The balance sheet holds a net cash position of £9.5M. Fundamentals as of Jul 12, 2026
Our scenario range runs from £4.20 (bear case) to £7.00 (bull case); at £5.38, the current price sits within that range. For context, the median of 10 Financial Services peers we cover trades at 53% fair-value upside — at 4%, PNL screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 12, 2026. TTM = trailing twelve months.
About the company
Personal Assets Trust plc is a closed ended multi asset mutual fund launched and managed by Troy Asset Management Limited. The fund invests in public equity and fixed income markets across the globe. It benchmarks its performance against the FTSE All-Share Index. Personal Assets Trust plc was launched in 1983, and is domiciled in United Kingdom.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Personal Assets Trust plc reported revenue of £105M in FY2026 versus £120M in FY2022, a compound −3.2%/yr. Reported net income was £102M in FY2026, compounding −1.0%/yr from FY2022.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.