S & U plc (46IE) AI Stock Analysis

• Market Cap: £210.51M
• Dividend Yield: 6.15%
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.49
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 239
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: N/A
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: -0.02
• Price to Book (P/B): 0.04
• Price to Sales (P/S): 0.11
• P/FCF Ratio: 0.16
• 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

• Rating: 66 Neutral
• Price Target: ―

S & U plc benefits from strong financial health with a solid balance sheet and profitability. However, technical analysis points to potential overbought conditions, and missing valuation metrics constrain the ability to fully assess the stock's attractiveness. Despite the financial strengths, caution is advised due to the technical indicators.

S & U plc Business Overview & Revenue Model

Company Description

S & U PLC is a UK-based company. It is engaged in providing motor finance and specialist lending services. The company has three business segments: Motor finance, Property bridging finance, and Central fiance. The majority of the revenue derives from the Motor finance segment which operates within the non-prime market sector, and acts as a supplier of specialist finance facilities, through motor dealers throughout the UK which facilitate the purchase of new and used cars, vans, motorbikes, and caravans. The company's finance products allow motor dealers across the UK to provide credit facilities.

How the Company Makes Money

S & U plc generates revenue primarily through the provision of hire purchase agreements in the motor finance sector. Customers seeking to purchase vehicles but who might have difficulty obtaining credit from traditional sources are offered financing solutions through the company's Advantage Finance division. The company makes money through interest and fees charged on these hire purchase agreements. Additionally, S & U maintains a strong focus on credit management and risk assessment to ensure profitability and minimize defaults. Key revenue streams include the interest income from hire purchase agreements and related fees. The company also invests in maintaining and expanding its customer base, leveraging its expertise in the non-prime credit market to drive growth. Significant partnerships with car dealerships and brokers further facilitate the reach and accessibility of its financial products.

S & U plc Financial Statement Overview

Summary

S & U plc demonstrates strong profitability and a solid balance sheet, with recent improvements in cash flow management. The company benefits from zero debt and robust equity, but revenue growth and past cash flow volatility pose potential risks. Overall, the financial health is positive, supported by strong margins and a healthy balance sheet.

Income Statement

The company shows strong profitability with a consistent gross profit margin of 100%. Despite a decline in net income from the previous year, the EBIT margin remains robust at approximately 64% for the latest period. However, the revenue growth rate has been volatile, with a slight decrease in recent years, which impacts the overall score.

Balance Sheet

The balance sheet reflects a strong equity position with zero debt in the latest year, leading to a very favorable debt-to-equity ratio. The equity ratio is healthy, indicating stability. However, fluctuations in equity year-on-year suggest some risk, though the company maintains a solid financial footing overall.

Cash Flow

Cash flows have shown significant improvement in the latest year, with a positive free cash flow and strong operating cash flow relative to net income. However, past periods experienced negative free cash flow, indicating potential volatility in cash management. The recent positive trend contributes to a better outlook.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	100.52M	97.49M	100.52M	95.36M	84.26M	84.26M
Gross Profit	100.52M	97.49M	100.52M	95.36M	84.26M	84.26M
EBITDA	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	25.44M	17.91M	25.44M	33.72M	37.98M	37.98M
Balance Sheet
Total Assets	466.85M	445.06M	466.85M	428.17M	428.17M	327.23M
Cash, Cash Equivalents and Short-Term Investments	1.00K	5.22M	1.00K	3.14M	3.14M	-417.00K
Total Debt	224.80M	0.00	224.80M	196.09M	196.09M	113.98M
Total Liabilities	232.68M	206.98M	232.68M	203.29M	203.29M	120.48M
Stockholders Equity	234.16M	238.08M	234.16M	224.88M	224.88M	206.75M
Cash Flow
Free Cash Flow	-711.00K	64.27M	-711.00K	-63.59M	-63.59M	-2.47M
Operating Cash Flow	-446.00K	64.99M	-446.00K	-62.76M	-62.76M	-2.09M
Investing Cash Flow	-189.00K	-685.00K	-189.00K	-660.00K	-660.00K	-284.00K
Financing Cash Flow	-2.50M	-59.09M	-2.50M	66.56M	66.56M	2.38M

S & U plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HAT	76 Outperform	―	―	―	―	20.20%	6.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£469.89M	6.55	14.70%	4.50%	-7.52%	50.23%
46IE	66 Neutral	£210.51M	―	―	6.15%	―	―
VANQ	61 Neutral	£307.40M	―	-16.30%	9.29%	-3.77%	-147.20%
FCH	61 Neutral	£356.58M	21.57	3.93%	―	7.90%	―