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S & U plc
(LSE:47IE)
Select Model
Select Model
Rating:65Neutral
Price Target:
70.00 p
▲(7.69% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily constrained by weak and volatile cash generation and meaningful leverage despite solid profitability and a strong 2026 revenue rebound. Technicals are supportive with the price above major moving averages and a positive MACD. Valuation looks favorable on P/E, but the extremely high stated dividend yield reduces confidence in valuation support from income.
Positive Factors
Secured motor-lending niche
S & U's core business is secured motor lending, supplying collateral-backed loans. This model reduces loss severity versus unsecured lending, supports recoveries, and generates durable interest income from a repeatable dealer-linked origination channel, underpinning long-term cash flows.
Negative Factors
Weak operating cash flow
Frequent negative operating cash flow and a large 2026 outflow signal that earnings are not consistently converting to cash. This reduces funding flexibility, increases reliance on external borrowing to support loan origination and dividends, and raises refinancing and liquidity risk over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured motor-lending niche
S & U's core business is secured motor lending, supplying collateral-backed loans. This model reduces loss severity versus unsecured lending, supports recoveries, and generates durable interest income from a repeatable dealer-linked origination channel, underpinning long-term cash flows.
Read all positive factors
S & U plc (47IE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£243.02M
Dividend Yield605.78%
Average Volume (3M)3.36K
Price to Earnings (P/E)10.2
Beta (1Y)0.00
Revenue GrowthN/A
EPS GrowthN/A
CountryUK
Employees239
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.95
Shares Outstanding3,598,506
10 Day Avg. Volume6,424
30 Day Avg. Volume3,358
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
S & U plc Business Overview & Revenue Model
Company Description
S&U plc is a UK-based financial services firm, offering a range of products including automotive loans, property bridging finance, and other specialized lending solutions. Founded in 1938, the company's main operations are directed from its Solihu...
How the Company Makes Money
S & U plc primarily makes money by originating loans and earning interest income and related credit charges over the life of those loans. A key revenue stream is its motor finance business, where it provides vehicle-backed (secured) lending to cus...
S & U plc Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
32
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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | £12.92M | 3.89 | 14.71% | 3.33% | 63.15% | 212.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £250.00M | 4.32 | 41.54% | 4.40% | 25.27% | 69.00% | |
65 Neutral | £243.02M | 10.23 | 9.68% | 605.78% | ― | ― | |
52 Neutral | £200.12M | 18.14 | 2.20% | 12.35% | 6.21% | ― | |
50 Neutral | £38.56M | -10.18 | -314.29% | 16.69% | ― | ― |
* Financial Sector Average
GB:47IE
S & U plc
65.00
3.88
6.34%
GB:ORCH
Orchard Funding
60.00
6.79
12.76%
GB:VANQ
Vanquis Banking Group
77.80
-29.20
-27.29%
GB:AMGO
Amigo Holdings PLC
2.85
2.63
1166.67%
GB:ASAI
ASA International Group PLC
240.00
109.86
84.42%
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.