Personal Assets Trust plc (PNL) — Financial Flexibility Index
Personal Assets Trust plc (PNL) has a Financial Flexibility Index of -1.84x as of April 2026. Free cash flow of GBX-7.39 Million (operating CF GBX-7.39 Million minus capex GBX0.00) represents -2% of total liabilities (GBX4.02 Million). Check cash flow reinvestment rate of Personal Assets Trust plc to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Personal Assets Trust plc Financial Flexibility Index (2012–2026)
Historical Financial Flexibility Index trend for Personal Assets Trust plc across 15 annual periods. For the full cash flow conversion analysis, see Personal Assets Trust plc (PNL) cash flow conversion.
Annual Financial Flexibility Index for Personal Assets Trust plc (2012–2026)
Year-by-year free cash flow to debt coverage for Personal Assets Trust plc. Explore PNL operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (GBX) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | -8.02x | GBX-32.24 Million | GBX-32.24 Million | GBX4.02 Million | ▼ -739.5% |
| 2025 | 1.25x | GBX38.38 Million | GBX38.38 Million | GBX30.61 Million | ▼ -8.0% |
| 2024 | 1.36x | GBX16.13 Million | GBX8.06 Million | GBX11.83 Million | ▲ +325.7% |
| 2023 | -0.60x | GBX-2.15 Million | GBX-2.15 Million | GBX3.55 Million | ▼ -899.2% |
| 2022 | 0.08x | GBX2.34 Million | GBX1.90 Million | GBX30.97 Million | ▼ -96.7% |
| 2021 | 2.31x | GBX6.93 Million | GBX6.49 Million | GBX3.00 Million | ▼ -31.9% |
| 2020 | 3.39x | GBX7.50 Million | GBX5.80 Million | GBX2.21 Million | ▲ +66.7% |
| 2019 | 2.04x | GBX6.69 Million | GBX4.99 Million | GBX3.29 Million | ▲ +235.9% |
| 2018 | 0.61x | GBX5.62 Million | GBX3.92 Million | GBX9.28 Million | ▼ -70.5% |
| 2017 | 2.05x | GBX5.39 Million | GBX3.69 Million | GBX2.62 Million | ▼ -24.7% |
| 2016 | 2.73x | GBX3.55 Million | GBX3.55 Million | GBX1.30 Million | ▲ +638.3% |
| 2015 | 0.37x | GBX3.09 Million | GBX3.09 Million | GBX8.37 Million | ▲ +78.9% |
| 2014 | 0.21x | GBX3.46 Million | GBX3.46 Million | GBX16.75 Million | ▼ -94.3% |
| 2013 | 3.65x | GBX4.33 Million | GBX4.33 Million | GBX1.19 Million | ▼ -4.0% |
| 2012 | 3.80x | GBX4.00 Million | GBX4.00 Million | GBX1.05 Million | — |