S & U PLC (GB:46IE)
LSE:46IE
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S & U plc
(LSE:46IE)
Select Model
Select Model
Rating:61Neutral
Price Target:
90.00 p
▲(5.51% Upside)
Action:ReiteratedDate:12/30/25
The score is primarily driven by solid but weakening fundamentals (declining margins/earnings and historically volatile cash flow, partially offset by a stronger balance sheet with zero reported debt). Valuation support comes from a high dividend yield, while technical indicators are conflicting and reduce conviction.
Positive Factors
Strong Balance Sheet
A strong balance sheet with zero debt enhances financial stability and provides flexibility for strategic investments and growth.
Negative Factors
Revenue Growth Volatility
Volatile revenue growth can hinder long-term planning and investment, impacting the company's ability to sustain competitive advantage.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Balance Sheet
A strong balance sheet with zero debt enhances financial stability and provides flexibility for strategic investments and growth.
Read all positive factors
S & U plc (46IE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£235.72M
Dividend Yield6.15%
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)N/A
Revenue GrowthN/A
EPS GrowthN/A
CountryUK
Employees239
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares OutstandingN/A
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)0.04
Price to Sales (P/S)0.11
P/FCF Ratio0.16
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
S & U plc Business Overview & Revenue Model
Company Description
S & U PLC is a UK-based company. It is engaged in providing motor finance and specialist lending services. The company has three business segments: Motor finance, Property bridging finance, and Central fiance. The majority of the revenue derives f...
How the Company Makes Money
S & U plc generates revenue primarily through the provision of hire purchase agreements in the motor finance sector. Customers seeking to purchase vehicles but who might have difficulty obtaining credit from traditional sources are offered financi...
S & U plc Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.52M | 97.49M | 100.52M | 95.36M | 84.26M | 84.26M |
| Gross Profit | 100.52M | 97.49M | 100.52M | 95.36M | 84.26M | 84.26M |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 25.44M | 17.91M | 25.44M | 33.72M | 37.98M | 37.98M |
Balance Sheet | ||||||
| Total Assets | 466.85M | 445.06M | 466.85M | 428.17M | 428.17M | 327.23M |
| Cash, Cash Equivalents and Short-Term Investments | 1.00K | 5.22M | 1.00K | 3.14M | 3.14M | -417.00K |
| Total Debt | 224.80M | 0.00 | 224.80M | 196.09M | 196.09M | 113.98M |
| Total Liabilities | 232.68M | 206.98M | 232.68M | 203.29M | 203.29M | 120.48M |
| Stockholders Equity | 234.16M | 238.08M | 234.16M | 224.88M | 224.88M | 206.75M |
Cash Flow | ||||||
| Free Cash Flow | -711.00K | 64.27M | -711.00K | -63.59M | -63.59M | -2.47M |
| Operating Cash Flow | -446.00K | 64.99M | -446.00K | -62.76M | -62.76M | -2.09M |
| Investing Cash Flow | -189.00K | -685.00K | -189.00K | -660.00K | -660.00K | -284.00K |
| Financing Cash Flow | -2.50M | -59.09M | -2.50M | 66.56M | 66.56M | 2.38M |
S & U plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | £126.23M | 10.48 | 16.60% | ― | 203.09% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £540.24M | 9.42 | 10.35% | 4.39% | -7.52% | 50.23% | |
61 Neutral | £235.72M | ― | ― | 6.15% | ― | ― | |
61 Neutral | £192.00M | 2.44 | -965.56% | 4.74% | ― | ― | |
53 Neutral | £306.39M | 24.71 | 1.89% | ― | -3.77% | -147.20% | |
48 Neutral | £29.29M | 0.04 | -450.00% | ― | -97.14% | 98.49% |
* Financial Sector Average
GB:46IE
S & U plc
85.30
0.00
0.00%
GB:IPF
International Personal Finance
246.00
126.87
106.49%
GB:VANQ
Vanquis Banking Group
120.80
65.20
117.27%
GB:AMGO
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2.75
2.43
746.15%
GB:TRU
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134.00
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75.16%
GB:ASAI
ASA International Group PLC
192.00
112.29
140.87%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.