S & U plc (47IE) AI Stock Analysis

• Market Cap: £228.43M
• Dividend Yield: 6.06%
• Average Volume (3M): 382.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.00
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 239
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 3,598,506
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 382
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ―

S & U plc has a solid financial foundation with effective cost management and a strong balance sheet. However, the company faces challenges with revenue consistency and cash flow volatility, impacting its financial performance score. Technical indicators suggest a lack of momentum and potential overbought conditions. Valuation analysis is limited due to missing data, but the overall assessment reflects a stable company with room for improvement in operational efficiency and clearer market valuation.

S & U plc Business Overview & Revenue Model

Company Description

S & U plc is a UK-based financial services company primarily engaged in providing consumer credit services. The company operates in the non-standard finance sector, focusing on offering vehicle finance and bridging loans to individuals who may not have access to traditional banking channels. S & U plc is known for its Advantage Finance and Aspen Bridging brands, which cater to customers seeking flexible and tailored financial solutions.

How the Company Makes Money

S & U plc generates revenue through interest and fees charged on the consumer credit products it offers. The company's primary revenue streams come from its vehicle finance division, Advantage Finance, which provides hire purchase agreements for used vehicles. Customers make regular payments, which include interest, over the term of the loan. Additionally, Aspen Bridging contributes to the company's earnings by providing short-term property financing solutions, earning income through interest on bridging loans. These financial products are typically designed for individuals and businesses that require quick access to funds but may not meet the criteria of conventional lenders. S & U plc benefits from its expertise in credit risk assessment, allowing it to serve niche markets effectively while managing default risks.

S & U plc Financial Statement Overview

Summary

S & U plc demonstrates a strong financial position with effective cost management and a healthy balance sheet. However, the company faces challenges in maintaining consistent revenue and profitability growth, with fluctuations in cash flow metrics indicating some operational inefficiencies. Overall, the company is stable but should focus on smoothing out income and cash flow volatility.

Income Statement

The company has shown consistent revenue generation with a slight decline in recent years. The EBIT margin remains strong, indicating effective cost management. However, the net profit margin has seen fluctuations due to varying net income levels, which could suggest instability in profitability. Revenue growth has been mixed, with periods of growth and contraction.

Balance Sheet

The company's balance sheet is strong with a robust equity position and no debt, resulting in a favorable debt-to-equity ratio. The equity ratio is healthy, indicating a stable financial structure. However, the return on equity has been inconsistent, reflecting variability in net income.

Cash Flow

Cash flow performance has been volatile, with fluctuations in operating cash flow and varying free cash flow levels. The operating cash flow to net income ratio indicates periods of inefficiency, although recent improvements are notable. Free cash flow has improved significantly, which is a positive sign for liquidity.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	97.49M	100.38M	102.71M	87.89M	83.76M
Gross Profit	97.49M	92.11M	78.51M	68.59M	68.98M
EBITDA	0.00	49.14M	49.43M	51.32M	22.20M
Net Income	17.91M	25.44M	33.72M	37.98M	14.65M
Balance Sheet
Total Assets	445.06M	466.85M	428.17M	327.23M	284.84M
Cash, Cash Equivalents and Short-Term Investments	5.22M	1.00K	3.14M	1.00K	1.00K
Total Debt	0.00	225.25M	196.54M	114.44M	99.80M
Total Liabilities	206.98M	232.68M	203.29M	120.48M	103.81M
Stockholders Equity	238.08M	234.16M	224.88M	206.75M	181.03M
Cash Flow
Free Cash Flow	64.27M	-711.00K	-63.59M	-2.47M	31.73M
Operating Cash Flow	64.99M	-446.00K	-62.76M	-2.09M	32.94M
Investing Cash Flow	-685.00K	-189.00K	-660.00K	-284.00K	-1.11M
Financing Cash Flow	-59.09M	-2.50M	66.56M	2.38M	-32.48M

S & U plc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 65.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:47IE, the sentiment is Positive. The current price of 65 is below the 20-day moving average (MA) of 65.00, above the 50-day MA of 64.49, and above the 200-day MA of 63.04, indicating a neutral trend. The MACD of 0.11 indicates Positive momentum. The RSI at 100.00 is Negative, neither overbought nor oversold. The STOCH value of 0.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:47IE.

S & U plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HAT	76 Outperform		―		―	20.20%	6.12%
Sector *	64 Neutral	£5.57B	9.35	9.73%	4.98%	9.49%	-16.43%
47IE	64 Neutral	£228.43M	―		6.06%	―	―
AMGO	35 Underperform	£1.57M	―	-200.00%	―	-97.14%	98.49%