Personal Assets Trust plc (PNL) — Cash Flow-to-Debt Ratio

Latest as of April 2026: -1.84x

Personal Assets Trust plc (PNL) has a Cash Flow-to-Debt Ratio of -1.84x as of April 2026, meaning its operating cash flow of GBX-7.39 Million could theoretically repay -2% of its total liabilities (GBX4.02 Million) in one year. See PNL financial flexibility index to measure the company's free cash flow as a share of total liabilities.

CF-to-Debt Ratio

-1.84x
Operating CF / Total Liabilities

Operating Cash Flow

GBX-7.39 Million
GBX

Total Liabilities

GBX4.02 Million
GBX

Data as of

Apr 2026
Most recent filing

Personal Assets Trust plc Cash Flow-to-Debt Ratio (2012–2026)

Historical debt coverage capacity for Personal Assets Trust plc across 15 annual periods. For the full cash flow conversion analysis, see Personal Assets Trust plc (PNL) cash conversion ratio.

Annual Cash Flow-to-Debt Ratio for Personal Assets Trust plc (2012–2026)

Year-by-year debt coverage analysis for Personal Assets Trust plc. Check earnings quality score of Personal Assets Trust plc to evaluate the quality of earnings relative to operating cash generation.

Year CF-to-Debt Ratio Operating CF (GBX) Total Liabilities YoY Change
2026 -8.02x GBX-32.24 Million GBX4.02 Million ▼ -739.5%
2025 1.25x GBX38.38 Million GBX30.61 Million ▲ +84.0%
2024 0.68x GBX8.06 Million GBX11.83 Million ▲ +212.9%
2023 -0.60x GBX-2.15 Million GBX3.55 Million ▼ -1086.9%
2022 0.06x GBX1.90 Million GBX30.97 Million ▼ -97.2%
2021 2.16x GBX6.49 Million GBX3.00 Million ▼ -17.6%
2020 2.62x GBX5.80 Million GBX2.21 Million ▲ +72.8%
2019 1.52x GBX4.99 Million GBX3.29 Million ▲ +259.1%
2018 0.42x GBX3.92 Million GBX9.28 Million ▼ -69.9%
2017 1.41x GBX3.69 Million GBX2.62 Million ▼ -48.4%
2016 2.73x GBX3.55 Million GBX1.30 Million ▲ +638.3%
2015 0.37x GBX3.09 Million GBX8.37 Million ▲ +78.9%
2014 0.21x GBX3.46 Million GBX16.75 Million ▼ -94.3%
2013 3.65x GBX4.33 Million GBX1.19 Million ▼ -4.0%
2012 3.80x GBX4.00 Million GBX1.05 Million —
Cash Flow-to-Debt Ratio = Operating Cash Flow / Total Liabilities. Higher is better for debt service capacity.