S&U plc (SUS) AI Stock Analysis

• Market Cap: £221.14M
• Dividend Yield: 5.33%
• Average Volume (3M): 15.59K
• Price to Earnings (P/E): 5.1
• Beta (1Y): 0.94
• Revenue Growth: -11.17%
• EPS Growth: 6.04%
• Country: UK
• Employees: 239
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.95
• Shares Outstanding: 12,150,760
• 10 Day Avg. Volume: 29,155
• 30 Day Avg. Volume: 15,591
• 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: £2,350.00
• Price Target Upside: 19.29% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 2.28
• Revenue Forecast (FY): £125.90M

• Rating: 74 Outperform
• Price Target: 2,531.00 p ▲(28.48% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is driven primarily by improved financial strength in 2025 (revenue rebound, strong cash flow swing, and debt elimination). Valuation is supportive with a low P/E and high dividend yield. Technicals are positive but appear overbought (high RSI), and corporate updates are constructive despite ongoing regulatory complexity.

Positive Factors

Balance Sheet Strength

Elimination of total debt in 2025 materially strengthens financial flexibility, reduces funding and refinancing risk, and frees cash flow for lending, buybacks or dividends. A zero-debt position improves resilience to rate shocks and supports strategic reinvestment in core lending franchises.

Negative Factors

Volatile Cash Generation

Multi-year swings in operating and free cash flow reduce earnings predictability and complicate capital allocation. Volatile cash generation can constrain sustainable lending capacity, increase reliance on external funding in stress periods, and raise uncertainty over the repeatability of 2025 improvements.

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 fee income from its motor finance and home credit operations. In the motor finance segment, the company provides hire purchase agreements to customers for used vehicles, earning interest on the financ...

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S&U plc generates revenue through interest and fee income from its motor finance and home credit operations. In the motor finance segment, the company provides hire purchase agreements to customers for used vehicles, earning interest on the financ...

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: Negative
• Last Price: 1970.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SUS, the sentiment is Negative. The current price of 1970 is below the 20-day moving average (MA) of 2010.50, below the 50-day MA of 2194.81, and above the 200-day MA of 1887.83, indicating a bearish trend. The MACD of -107.54 indicates Positive momentum. The RSI at 22.68 is Positive, neither overbought nor oversold. The STOCH value of 20.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:SUS.

S&U plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TIME	80 Outperform	£40.24M	3.46	8.28%	―	11.71%	31.15%
SUS	74 Outperform	£221.14M	5.11	8.33%	5.33%	-11.17%	6.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£538.35M	9.42	10.35%	4.39%	-7.52%	50.23%
ORCH	62 Neutral	£11.85M	2.16	14.61%	3.33%	8.91%	94.32%
ASAI	61 Neutral	£188.00M	2.44	-965.56%	4.74%	―	―
VANQ	53 Neutral	£277.48M	24.71	1.89%	―	-3.77%	-147.20%

S&U plc Corporate Events