Personal Assets (PNL) Competitors

Personal Assets (LON:PNL) and St. James's Place (LON:STJ) are both financial services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, media sentiment, analyst recommendations, profitability, earnings, dividends and valuation.

Do insiders and institutionals hold more shares of PNL or STJ?

46.0% of Personal Assets shares are owned by institutional investors. Comparatively, 79.6% of St. James's Place shares are owned by institutional investors. 23.4% of Personal Assets shares are owned by insiders. Comparatively, 0.7% of St. James's Place shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Which has better earnings & valuation, PNL or STJ?

Personal Assets has higher earnings, but lower revenue than St. James's Place. St. James's Place 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	£107.31M	15.25	£124.81M	£39.23	13.08
St. James's Place	£26.27B	0.24	-£6.46M	-£1.19	-975.60

Is PNL or STJ more profitable?

Personal Assets has a net margin of 116.31% compared to St. James' Place's net margin of -0.02%. Personal Assets' return on equity of 7.96% beat St. James' Place's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Personal Assets	116.31%	7.96%	1.96%
St. James's Place	-0.02%	-0.63%	0.22%

Does the media refer more to PNL or STJ?

In the previous week, Personal Assets had 2 more articles in the media than St. James's Place. MarketBeat recorded 3 mentions for Personal Assets and 1 mentions for St. James's Place. Personal Assets' average media sentiment score of 1.66 beat St. James' Place's score of 0.00 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)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
St. James's Place	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer PNL or STJ?

St. James's Place has a consensus price target of GBX 1,295, indicating a potential upside of 11.25%. Given St. James' Place's stronger consensus rating and higher possible upside, analysts plainly believe St. James's Place is more favorable than Personal Assets.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Personal Assets	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
St. James's Place	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

Which has more volatility and risk, PNL or STJ?

Personal Assets has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500. Comparatively, St. James's Place has a beta of 1.23, indicating that its stock price is 23% more volatile than the S&P 500.

Is PNL or STJ a better dividend stock?

Personal Assets pays an annual dividend of GBX 6 per share and has a dividend yield of 1.2%. St. James's Place pays an annual dividend of GBX 14 per share and has a dividend yield of 1.2%. Personal Assets pays out 15.3% of its earnings in the form of a dividend. St. James's Place pays out -1,173.4% 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. St. James's Place is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Personal Assets beats St. James's Place on 10 of the 18 factors compared between the two stocks.