S & U plc (47IE) AI Stock Analysis

• Market Cap: £235.72M
• Dividend Yield: 6.06%
• Average Volume (3M): 1.00
• Price to Earnings (P/E): 5.1
• Beta (1Y): 0.00
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 239
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 3,598,506
• 10 Day Avg. Volume: 5
• 30 Day Avg. Volume: 1
• PEG Ratio: -0.38
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 2.07
• P/FCF Ratio: 3.14
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 57 Neutral
• Price Target: 67.00 p ▲(3.08% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is driven primarily by mixed financial quality: improved 2025 metrics (revenue rebound, strong cash flow, and no reported debt) are offset by prior years’ volatile cash generation and inconsistent operating profitability signals. Technicals detract due to extremely overbought momentum readings, while valuation is supported by a high dividend yield.

Positive Factors

Balance Sheet Strength

A strong balance sheet with no debt enhances financial stability, providing flexibility for future investments and resilience against economic downturns.

Negative Factors

Revenue Consistency Challenges

Inconsistent revenue growth can hinder long-term planning and investment, affecting the company's ability to capitalize on market opportunities and sustain competitive advantages.

S & U plc Business Overview & Revenue Model

Company Description

S&U plc provides motor, property bridging, and specialist finance in the United Kingdom. The company was incorporated in 1938 and is headquartered in Solihull, the United Kingdom....

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 u...

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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 u...

S & U plc Financial Statement Overview

Breakdown	TTM	Jan 2025	Jan 2024	Jan 2023	Jan 2022	Jan 2021
Income Statement
Total Revenue	107.00M	97.49M	100.38M	102.71M	87.89M	83.76M
Gross Profit	85.61M	97.49M	92.11M	78.51M	68.59M	68.98M
EBITDA	45.05M	0.00	49.14M	49.43M	51.32M	22.20M
Net Income	19.95M	17.91M	25.44M	33.72M	37.98M	14.65M
Balance Sheet
Total Assets	434.47M	445.06M	466.85M	428.17M	327.23M	284.84M
Cash, Cash Equivalents and Short-Term Investments	3.51M	5.22M	1.00K	3.14M	1.00K	1.00K
Total Debt	183.95M	0.00	225.25M	196.54M	114.44M	99.80M
Total Liabilities	193.30M	206.98M	232.68M	203.29M	120.48M	103.81M
Stockholders Equity	241.17M	238.08M	234.16M	224.88M	206.75M	181.03M
Cash Flow
Free Cash Flow	62.70M	64.27M	-711.00K	-63.59M	-2.47M	31.73M
Operating Cash Flow	63.84M	64.99M	-446.00K	-62.76M	-2.09M	32.94M
Investing Cash Flow	7.96M	-685.00K	-189.00K	-660.00K	-284.00K	-1.11M
Financing Cash Flow	-68.29M	-59.09M	-2.50M	66.56M	2.38M	-32.48M

S & U plc Technical Analysis

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

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, below the 50-day MA of 65.00, and above the 200-day MA of 63.66, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 100.00 is Negative, neither overbought nor oversold. The STOCH value of <0.01 is Positive, 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£540.24M	9.42	10.35%	4.39%	-7.52%	50.23%
ORCH	62 Neutral	£11.96M	4.32	14.61%	3.33%	8.91%	94.32%
ASAI	61 Neutral	£192.00M	2.44	-965.56%	4.74%	―	―
47IE	57 Neutral	£235.72M	5.11	―	6.06%	―	―
VANQ	53 Neutral	£306.39M	24.71	1.89%	―	-3.77%	-147.20%
AMGO	48 Neutral	£29.29M	0.04	-450.00%	―	-97.14%	98.49%