Want to see GB:46IE full AI Analyst Report?

S & U plc (46IE) Price & Analysis

0 Followers

46IE Stock Chart & Stats

85.30 p

-1.00 p(-1.16%)

At close: Feb 26 4:00 PM EST

85.30 p

-1.00 p(-1.16%)

Day’s Range― - ―

52-Week Range79.00 p - 85.30 p

Previous CloseN/A

Volume0.00

Average Volume (3M)0.00

Market Cap

£235.12M

Enterprise Value192.58M

Total Cash (Recent Filing)£1.00K

Total Debt (Recent Filing)£224.80M

Price to Earnings (P/E)―

Beta-0.01

Next Earnings

Sep 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield6.15%

Share Statistics

EPS (TTM)2.09

Shares OutstandingN/A

10 Day Avg. Volume0

30 Day Avg. Volume0

Financial Highlights & Ratios

PEG Ratio0.00

Price to Book (P/B)0.00

Price to Sales (P/S)0.00

P/FCF Ratio0.00

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Specialist Non-standard And Motor Finance NicheS & U's focused business model serving non-standard and motor borrowers creates a durable niche with underwriting expertise and distribution channels into underserved customers. This specialization supports steady originations and differentiated pricing power versus mainstream lenders over months.

Recent Revenue Growth With Healthy MarginsReported ~10% revenue growth in 2026 combined with low-20% net margins indicates the lending franchise can generate recurring profitable returns from interest and fees. Durable margins imply the core underwriting and pricing model remains effective if credit quality and funding remain stable.

Growing Equity Capital BaseA growing equity base strengthens the firm's capacity to expand loan assets and absorb credit losses without immediate external equity. This improved capital support enhances regulatory and covenant resilience and enables measured origination growth over the medium term.

Bears Say

Volatile And Negative Cash GenerationOperating and free cash flow volatility, including negative cash generation in 2026 and multiple prior years, undermines the durability of reported earnings. Persistent cash shortfalls force reliance on external funding, constrain reinvestment or dividend sustainability, and raise liquidity risk.

Elevated And Rising LeverageDebt near parity with equity and a notable increase from 2025 to 2026 raise financial vulnerability. Higher leverage heightens sensitivity to funding cost increases and credit stress, limits financial and strategic flexibility, and increases covenant and refinancing risk across economic cycles.

Declining Return On Equity And ConsistencyROE halving over several years signals weaker capital efficiency and lower profit conversion on an expanded capital base. This structural decline makes it harder to deliver attractive long-term shareholder returns unless margins, asset yields or leverage policy materially improve.

46IE FAQ

What was S & U PLC’s price range in the past 12 months?

S & U PLC lowest share price was 79.00 p and its highest was 85.30 p in the past 12 months.

What is S & U PLC’s market cap?

S & U PLC’s market cap is £235.12M.

When is S & U PLC’s upcoming earnings report date?

S & U PLC’s upcoming earnings report date is Sep 29, 2026 which is in 80 days.

How were S & U PLC’s earnings last quarter?

Currently, no data Available

Is S & U PLC overvalued?

According to Wall Street analysts S & U PLC’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does S & U PLC pay dividends?

S & U PLC pays a Semiannually dividend of 3 p which represents an annual dividend yield of 6.15%. See more information on S & U PLC dividends here

What is S & U PLC’s EPS estimate?

S & U PLC’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does S & U PLC have?

Currently, no data Available

What happened to S & U PLC’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of S & U PLC?

Currently, no hedge funds are holding shares in GB:46IE

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

S & U plc Stock Smart Score

Underperform

Technicals

Top Smart Score Stocks >

Company Description

S & U PLC

S & U PLC is a financial services firm based in the UK, specializing in vehicle financing and other niche lending solutions. The company operates through three main divisions: motor finance, property bridging finance, and central finance. The largest portion of its income stems from the motor finance segment, which serves the non-prime market. This division supplies specialized credit facilities to motor dealerships throughout the UK, enabling customers to acquire various vehicles such as new and used cars, vans, motorbikes, and leisure vehicles. Essentially, S & U PLC empowers UK motor dealers to offer credit options.