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S & U plc (46IE) Price & Analysis

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46IE Stock Chart & Stats

82.50 p

-1.50 p(-1.79%)

At close: Jul 24 4:00 PM EDT

82.50 p

-1.50 p(-1.79%)

Day’s Range― - ―

52-Week Range79.00 p - 85.30 p

Previous CloseN/A

Volume90.00K

Average Volume (3M)90.00K

Market Cap

£231.47M

Enterprise Value10.00T>

Total Cash (Recent Filing)£5.22M

Total Debt (Recent Filing)£197.79M

Price to Earnings (P/E)0.4

Beta>-0.01

Next Earnings

Mar 30, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield7.3%

Share Statistics

EPS (TTM)1.48

Shares OutstandingN/A

10 Day Avg. Volume90,000

30 Day Avg. Volume90,000

Financial Highlights & Ratios

PEG Ratio<0.01

Price to Book (P/B)<0.01

Price to Sales (P/S)0.00096

P/FCF Ratio>-0.01

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthA return to roughly 10% annual revenue growth indicates renewed expansion in the lending book after the prior year's decline. Continued top-line growth can broaden the interest-earning asset base and support operating leverage if credit performance remains controlled.

Strong ProfitabilityHealthy recent net margins and solid operating profitability show that the lending model can convert finance income into substantial reported earnings. This provides internal capacity to support investment, absorb credit costs, and maintain resilience over the next several quarters.

Specialist Lending PositionA specialist focus on non-standard consumer and motor finance gives S & U a defined customer niche that mainstream lenders may serve less directly. This positioning can support durable loan demand and recurring interest income when underwriting and collections remain effective.

Bears Say

Volatile Cash GenerationRepeatedly volatile cash generation, including negative operating and free cash flow in the latest year, weakens confidence in the conversion of reported profit into usable funds. Persistent cash volatility could constrain lending growth, distributions, and the ability to absorb operating or credit pressures.

Elevated LeverageDebt running close to equity leaves the company more exposed to funding and balance-sheet pressure than its earlier lower-leverage position. The recent debt increase reduces financial flexibility and may make future lending expansion more dependent on continued access to borrowing.

Margin CompressionAlthough profitability remains strong, net margins have compressed materially from earlier peaks and operating profit trends have been inconsistent across prior years. This suggests earnings efficiency may be less durable than headline margins imply, especially if costs or credit losses rise.

46IE FAQ

What was S & U PLC’s price range in the past 12 months?

S & U PLC lowest share price was 79.00 p and its highest was 85.30 p in the past 12 months.

What is S & U PLC’s market cap?

S & U PLC’s market cap is £231.47M.

When is S & U PLC’s upcoming earnings report date?

S & U PLC’s upcoming earnings report date is Mar 30, 2027 which is in 166 days.

How were S & U PLC’s earnings last quarter?

Currently, no data Available

Is S & U PLC overvalued?

According to Wall Street analysts S & U PLC’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does S & U PLC pay dividends?

S & U PLC pays a Semiannually dividend of 3 p which represents an annual dividend yield of 7.3%. See more information on S & U PLC dividends here

What is S & U PLC’s EPS estimate?

S & U PLC’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does S & U PLC have?

Currently, no data Available

What happened to S & U PLC’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of S & U PLC?

Currently, no hedge funds are holding shares in GB:46IE

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

S & U plc Stock Smart Score

Underperform

Technicals

Fundamentals

Return on Equity

9.74%

Trailing 12-Months

Asset Growth

―

Trailing 12-Months

Learn more about TipRanks Smart Score

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Company Description

S & U PLC

S & U PLC is a financial services firm based in the UK, specializing in vehicle financing and other niche lending solutions. The company operates through three main divisions: motor finance, property bridging finance, and central finance. The largest portion of its income stems from the motor finance segment, which serves the non-prime market. This division supplies specialized credit facilities to motor dealerships throughout the UK, enabling customers to acquire various vehicles such as new and used cars, vans, motorbikes, and leisure vehicles. Essentially, S & U PLC empowers UK motor dealers to offer credit options.