S & U plc AI Stock Analysis
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S & U plc (46IE) AI Stock Analysis
S & U plc
(LSE:46IE)
The score is driven primarily by mixed financial performance: strong profitability and renewed revenue growth are outweighed by very weak and volatile cash generation and somewhat higher recent leverage. Technicals are neutral-to-soft, while valuation is supported by a high dividend yield but lacks a usable P/E signal from the provided data.
S & U plc (46IE) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 0
- Dividend Yield
- 7.30%
- Average Volume (3M)
- 90.00K
- Price to Earnings (P/E)
- 0.4
- Beta (1Y)
- -0.00
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- UK
- Employees
- 239
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
S & U plc Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
S & U plc primarily makes money by lending to customers and earning interest and related charges over the life of those loans. Its key revenue stream is finance income (interest) generated from loan portfolios, most notably from motor finance and oth...
S & U plc Financial Statement Overview
Summary
Income statement strength (74) is tempered by balance sheet risk (66) from higher recent leverage and a materially weak cash flow profile (41) with negative operating and free cash flow in the latest year, raising concerns about earnings-to-cash conversion.
Income Statement
74PositiveBalance Sheet
66PositiveCash Flow
41Neutral| Breakdown | TTM | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 61.92M | 107.43M | 97.49M | 100.52M | 95.36M | 84.26M |
| Gross Profit | 61.92M | 93.22M | 97.49M | 100.52M | 95.36M | 84.26M |
| EBITDA | 482.00K | 32.30M | 0 | 0 | 0 | 0 |
| Net Income | 17.91M | 23.71M | 17.91M | 25.44M | 33.72M | 37.98M |
Balance Sheet | ||||||
| Total Assets | 445.06M | 501.22M | 445.06M | 466.85M | 428.17M | 428.17M |
| Cash, Cash Equivalents and Short-Term Investments | 5.22M | 0 | 5.22M | 1,000 | 3.14M | 3.14M |
| Total Debt | 197.79M | 241.98M | 197.79M | 224.80M | 196.09M | 113.98M |
| Total Liabilities | 206.98M | 252.22M | 206.98M | 232.68M | 203.29M | 203.29M |
| Stockholders Equity | 238.08M | 249.00M | 238.08M | 234.16M | 224.88M | 206.75M |
Cash Flow | ||||||
| Free Cash Flow | 64.27M | -22.39M | 64.27M | -711.00K | -63.59M | -63.59M |
| Operating Cash Flow | 64.99M | -21.50M | 64.99M | -446.00K | -62.76M | -62.76M |
| Investing Cash Flow | -685.00K | -839.00K | -685.00K | -189.00K | -660.00K | -660.00K |
| Financing Cash Flow | -59.09M | 17.13M | -59.09M | -2.50M | 66.56M | 2.38M |
S & U plc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:46IE, the sentiment is Negative. The current price of 82.50 is below the 20-day moving average (MA) of 82.50, above the 50-day MA of 82.50, and below the 200-day MA of 83.83, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at is Neutral, neither overbought nor oversold. The STOCH value of 0.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:46IE.
S & U plc Peers Comparison
Overall Rating
GB:TRU79Outperform
GB:ASAI66Neutral- GB:46IE56Neutral
GB:VANQ51Neutral
GB:AMGO47Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:TRU | 79Outperform | GBP 64.13M | 27.11 | 3.62% | 0.90% | -45.36% | -57.96% |
| GB:ASAI | 66Neutral | GBP 260.00M | 4.71 | 41.54% | 4.64% | 25.27% | 69.00% |
| GB:46IE | 56Neutral | GBP 238.15M | 0.42 | 9.74% | 7.30% | ― | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| GB:VANQ | 51Neutral | GBP 109.82M | 10.10 | 2.20% | ― | 6.21% | ― |
| GB:AMGO | 47Neutral | GBP 29.48M | -8.57 | -314.29% | ― | ― | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:46IE | S & U plc | 82.50 | -2.80 | -3.28% | |
| GB:VANQ | Vanquis Banking Group plc | 43.35 | -69.05 | -61.43% | |
| GB:AMGO | Amigo Holdings | 2.40 | 2.05 | 585.71% | |
| GB:TRU | Trufin Plc | 83.50 | 26.09 | 45.45% | |
| GB:ASAI | ASA International Group PLC | 267.00 | 97.60 | 57.62% |
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.
Date of analysis: Sep 26, 2026