North American Income Trust (NAIT) Competitors

Personal Assets (LON:PNL) and North American Income Trust (LON:NAIT) are both small-cap financial services companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, media sentiment, earnings, dividends, profitability, valuation and risk.

Which has more volatility & risk, PNL or NAIT?

Personal Assets has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500. Comparatively, North American Income Trust has a beta of 0.66, indicating that its stock price is 34% less volatile than the S&P 500.

Is PNL or NAIT more profitable?

Personal Assets has a net margin of 116.31% compared to North American Income Trust's net margin of 88.41%. North American Income Trust's return on equity of 12.23% beat Personal Assets' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Personal Assets	116.31%	7.96%	1.96%
North American Income Trust	88.41%	12.23%	-0.86%

Does the media favor PNL or NAIT?

In the previous week, Personal Assets had 5 more articles in the media than North American Income Trust. MarketBeat recorded 6 mentions for Personal Assets and 1 mentions for North American Income Trust. Personal Assets' average media sentiment score of 1.59 beat North American Income Trust's score of 1.58 indicating that Personal Assets is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Personal Assets	2 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
North American Income Trust	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has higher valuation and earnings, PNL or NAIT?

Personal Assets has higher revenue and earnings than North American Income Trust. North American Income Trust is trading at a lower price-to-earnings ratio than Personal Assets, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Personal Assets	£123.08M	13.27	£124.81M	£0.35	1,522.57
North American Income Trust	£41.93M	9.86	£49.67M	£0.30	1,183.62

Do insiders and institutionals have more ownership in PNL or NAIT?

0.1% of Personal Assets shares are held by institutional investors. Comparatively, 8.4% of North American Income Trust shares are held by institutional investors. 0.5% of Personal Assets shares are held by company insiders. Comparatively, 0.9% of North American Income Trust shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is PNL or NAIT a better dividend stock?

Personal Assets pays an annual dividend of GBX 0.06 per share and has a dividend yield of 0.0%. North American Income Trust pays an annual dividend of GBX 0.12 per share and has a dividend yield of 0.0%. Personal Assets pays out 16.2% of its earnings in the form of a dividend. North American Income Trust pays out 40.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Personal Assets beats North American Income Trust on 10 of the 15 factors compared between the two stocks.