S&U plc (SUS) AI Stock Analysis

• Market Cap: £272.18M
• Dividend Yield: 5.33%
• Average Volume (3M): 15.59K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.66
• 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: 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: 74 Outperform
• Price Target: 2,352.00p ▲(19.39% Upside)

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

Financial Stability

A strong balance sheet with no current debt enhances financial stability, providing flexibility for future growth and investment.

Aspen Bridging Performance

Record performance in Aspen Bridging indicates strong demand and effective management, supporting overall company growth.

Regulatory Environment

A more supportive regulatory environment can enhance operational efficiency and profitability, aiding long-term growth.

Negative Factors

Revenue Fluctuation

Inconsistent revenue growth poses challenges to predictability and planning, potentially impacting long-term strategic initiatives.

Cash Flow Volatility

Volatile cash flows can hinder the company's ability to invest in growth opportunities and manage financial obligations effectively.

Advantage Finance Challenges

Ongoing challenges in Advantage Finance due to regulatory issues can strain profitability and require strategic adjustments.

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 financed amount over the life of the loan. The home credit segment involves providing small, unsecured, short-term loans to consumers, with income generated from repayments including interest and service fees. Key factors contributing to earnings include effective risk management, strong customer relationships, and a robust collections process. The company's partnerships with car dealerships and brokers also play a crucial role in customer acquisition and revenue generation.

S&U plc Financial Statement Overview

Summary

S&U plc demonstrates strong profitability and financial stability, with a robust equity position and improved cash flow. However, the company faces challenges in maintaining consistent growth due to fluctuating revenue and cash flow figures.

Income Statement

S&U plc shows strong profitability with high Gross Profit and EBIT margins. However, the company has experienced fluctuating revenue, with a recent decline in net income, indicating potential challenges in sustaining growth.

Balance Sheet

The company's balance sheet is solid with no current debt, leading to a healthy equity position. The equity ratio is strong, reflecting financial stability, although past leverage levels were significantly higher.

Cash Flow

The cash flow situation shows improvement with positive free cash flow in the latest period. However, inconsistent operating cash flows in previous years highlight potential volatility in cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
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: 1970.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 below the 20-day moving average (MA) of 2093.75, above the 50-day MA of 1952.80, and above the 200-day MA of 1702.17, indicating a bullish trend. The MACD of 93.71 indicates Negative momentum. The RSI at 77.47 is Negative, neither overbought nor oversold. The STOCH value of 89.62 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TIME	80 Outperform	£46.72M	8.05	8.50%	―	11.71%	31.15%
ORCH	75 Outperform	£12.71M	4.14	15.17%	3.33%	8.91%	94.32%
SUS	74 Outperform	£272.18M	13.70	8.41%	5.33%	-11.17%	6.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£517.48M	7.19	14.70%	4.39%	-7.52%	50.23%
ASAI	56 Neutral	£194.50M	5.64	39.40%	4.74%	―	―
VANQ	49 Neutral	£291.68M	-3.71	-16.30%	―	-3.77%	-147.20%

S&U plc Corporate Events

S&U plc Reports Strong Financial Turnaround and Growth Prospects

S&U plc has reported a significant turnaround in its financial performance, with group profits exceeding budget expectations. The motor finance division, Advantage, has shown robust growth in new business volumes and quality, aided by regulatory changes and a favorable market environment. Aspen Bridging continues to grow its loan book despite challenges in the residential property market. The company’s strong performance is supported by increased net receivables and a strategic plan to expand funding facilities, ensuring continued growth and shareholder rewards.

The most recent analyst rating on (GB:SUS) stock is a Hold with a £1700.00 price target. To see the full list of analyst forecasts on S&U plc stock, see the GB:SUS Stock Forecast page.