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S&U plc
(LSE:SUS)
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Rating:60Neutral
Price Target:
1,974.00 p
▲(0.20% Upside)
Action:Downgraded
Date:04/26/26
The score is driven primarily by mixed financial performance: strong reported profitability and a revenue rebound are offset by inconsistent/negative cash flow and increased leverage risk. Technical indicators add near-term pressure (below key moving averages with negative MACD), while valuation materially supports the score due to the very low P/E and high dividend yield.
Positive Factors
High profitability and margins
S&U's high reported margins and a strong recent revenue rebound indicate durable core profitability in its lending businesses. Elevated margins provide a buffer against credit losses, support internal capital generation and help sustain returns during normal credit cycles.
Negative Factors
Weak, volatile cash generation
Persistent negative and unstable operating/free cash flow means earnings do not reliably convert to cash, forcing reliance on external funding or capital actions. Over months this can constrain growth, refinancing flexibility and dividend sustainability under stress.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
S&U's high reported margins and a strong recent revenue rebound indicate durable core profitability in its lending businesses. Elevated margins provide a buffer against credit losses, support internal capital generation and help sustain returns during normal credit cycles.
Read all positive factors
S&U plc (SUS) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£240.59M
Dividend Yield5.33%
Average Volume (3M)15.59K
Price to Earnings (P/E)10.2
Beta (1Y)1.11
Revenue Growth-7.08%
EPS Growth32.38%
CountryUK
Employees200
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.95
Shares Outstanding12,150,760
10 Day Avg. Volume29,155
30 Day Avg. Volume15,591
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.16
Price to Sales (P/S)2.68
P/FCF Ratio-7.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£2,220.00Price Target Upside12.69% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.18
Revenue Forecast (FY)£121.77M
S&U plc Business Overview & Revenue Model
Company Description
S&U Plc is a holding company, which engages in the provision of motor finance services. It operates through the following segments: Motor Finance, Property Bridging Finance, and Central Costs. The company was founded by Clifford Coombs in 1938 and...
How the Company Makes Money
S&U plc makes money mainly by earning interest and fees on loans it originates and then services over their contractual term.
1) Advantage Finance (motor finance)
- Revenue model: S&U provides car finance—typically to customers who may not qualif...
S&U plc Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
29
Negative
| Breakdown | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 107.43M | 97.49M | 100.38M | 102.71M | 87.89M |
| Gross Profit | 82.92M | 97.49M | 92.11M | 78.51M | 68.59M |
| EBITDA | 46.65M | 24.46M | 49.14M | 49.43M | 51.32M |
| Net Income | 23.71M | 17.91M | 25.44M | 33.72M | 37.98M |
Balance Sheet | |||||
| Total Assets | 501.22M | 445.06M | 466.85M | 428.17M | 327.23M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 5.22M | 1.00K | 3.14M | 1.00K |
| Total Debt | 241.98M | 197.79M | 225.25M | 196.54M | 114.44M |
| Total Liabilities | 252.22M | 206.98M | 232.68M | 203.29M | 120.48M |
| Stockholders Equity | 249.00M | 238.08M | 234.16M | 224.88M | 206.75M |
Cash Flow | |||||
| Free Cash Flow | -36.70M | 64.27M | -711.00K | -63.59M | -2.47M |
| Operating Cash Flow | -35.81M | 64.99M | -446.00K | -62.76M | -2.09M |
| Investing Cash Flow | -839.00K | -685.00K | -189.00K | -660.00K | -284.00K |
| Financing Cash Flow | 31.44M | -59.09M | -2.50M | 66.56M | 2.38M |
S&U plc Technical Analysis
Positive
1970.00
Price Trends
1953.50
Positive
2031.83
Negative
1960.72
Positive
Market Momentum
9.87
Negative
53.13
Neutral
87.36
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SUS, the sentiment is Positive. The current price of 1970 is above the 20-day moving average (MA) of 1954.00, above the 50-day MA of 1953.50, and above the 200-day MA of 1960.72, indicating a bullish trend. The MACD of 9.87 indicates Negative momentum. The RSI at 53.13 is Neutral, neither overbought nor oversold. The STOCH value of 87.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SUS.
S&U plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £44.87M | 7.18 | 8.28% | ― | 5.19% | 14.53% | |
68 Neutral | £242.00M | 6.36 | 33.54% | 4.74% | 34.56% | 89.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £549.56M | 9.81 | 10.35% | 4.39% | 1.54% | -9.18% | |
62 Neutral | £12.81M | 4.09 | 14.61% | 3.33% | 8.77% | 108.53% | |
60 Neutral | £240.59M | 10.18 | 9.68% | 5.33% | -7.08% | 32.38% | |
53 Neutral | £296.75M | 37.52 | 1.89% | ― | 0.07% | ― |
* Financial Sector Average
GB:SUS
S&U plc
1,985.00
284.14
16.71%
GB:TIME
Time Finance plc
47.50
-17.50
-26.92%
GB:IPF
International Personal Finance
247.50
86.51
53.73%
GB:ORCH
Orchard Funding
63.00
3.01
5.02%
GB:VANQ
Vanquis Banking Group
117.80
17.20
17.10%
GB:ASAI
ASA International Group PLC
245.00
104.41
74.27%
S&U plc Corporate Events
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
S&U profit jumps as Advantage and Aspen drive renewed growth
Positive
Apr 21, 2026
SU plc reported a 32% rise in pre-tax profit to £31.8m for the year to 5 February 2026, driven by strong performances at both Advantage Motor Finance and Aspen Bridging despite a slight dip in group revenue. Net receivables grew to £496....
Business Operations and StrategyFinancial Disclosures
S&U plc Sets Analyst and Investor Presentations Around April Results
Positive
Apr 13, 2026
SU plc will release its financial results for the period to 5 February 2026 on 21 April 2026 and has scheduled an in‑person analyst webinar at 09:30 BST, led by senior leadership including the chairman and divisional CEOs. The event is aimed...
Business Operations and StrategyRegulatory Filings and Compliance
S&U says FCA motor finance redress plan will have limited impact on Advantage
Positive
Apr 1, 2026
SU has welcomed the Financial Conduct Authority’s updated redress scheme for motor finance commissions, stressing that Advantage Finance has historically acted in customers’ best interests and has not used higher-risk commission struct...
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial DisclosuresPrivate Placements and FinancingRegulatory Filings and Compliance
S&U rides trading upturn as motor and property units hit record performance
Positive
Feb 10, 2026
SU plc reported a strong continuation of the upturn flagged in December, with group net receivables rising to about £495m from £436m, a 20% share price gain since the last update, and a proposed higher second interim dividend of 35p per ...
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.