Shawbrook Group Plc stock analysis
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Shawbrook Group Plc (SHAW) Share Price & Analysis
SHAW Stock Chart & Stats
- Day’s Range
- GBX 283.50 - GBX 292.50
- 52-Week Range
- GBX 268.00 - GBX 519.00
- Previous Close
- GBX 280.00
- Volume
- N/A
- Average Volume (3M)
- 565.99K
- Market Cap
- GBP 1.47B
- Enterprise Value
- GBP 1.84B
- Total Cash (Recent Filing)
- GBP 2.26B
- Total Debt (Recent Filing)
- GBP 2.40B
- Price to Earnings (P/E)
- 4.8
- Beta
- 1.17
- Next Earnings
- Aug 11, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue And Margin Growth
Accelerating revenue and a materially higher net margin indicate stronger recent operating performance across Shawbrook’s specialist lending activities. If sustained, this combination can support internal capital generation, strengthen returns, and provide resources to fund future lending growth.
Improving Leverage And ROE
The improvement in debt-to-equity alongside higher return on equity points to better use of the bank’s capital base and improving balance-sheet efficiency. This supports resilience over the next several quarters, although absolute debt remains material and must be managed carefully.
Positive Free Cash Flow
Positive free cash flow close to reported net income suggests that Shawbrook is converting a substantial portion of accounting earnings into cash after investment needs. That supports capital flexibility and the ability to sustain lending activity without relying entirely on external funding.
Bears Say
Operating Cash Flow Volatility
The sharp decline in operating cash flow and history of volatile cash generation reduce confidence in the consistency of earnings conversion. Persistent swings could constrain internally funded growth, complicate capital planning, and make financial performance more sensitive to lending and funding movements.
High And Rising Absolute Debt
Although leverage relative to equity has improved, the higher absolute debt load leaves Shawbrook’s balance sheet sensitive to credit quality and funding conditions. A deterioration in either area could increase financing pressure and reduce flexibility for expanding specialist lending portfolios.
Inconsistent Operating Profitability
Moderating EBIT and EBITDA margins suggest that recent profit improvement may not yet represent a fully stable operating trend. Less consistent profitability can limit confidence in the durability of returns and leave future earnings more exposed to changes in lending economics and costs.
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Shawbrook Group Plc Stock Smart Score
Company Description
Shawbrook Group Plc
Operating through its subsidiary, Shawbrook Bank Limited, Shawbrook Group plc is a United Kingdom-based financial institution that delivers a broad spectrum of lending and savings solutions to both private individuals and businesses. The company's offerings encompass a comprehensive range of personal and business savings accounts, alongside diverse personal loan options for needs such as weddings, home improvements, and vehicle purchases, as well as debt consolidation and point-of-sale financing. For its commercial clientele, Shawbrook provides a wide array of funding solutions, including asset, structured, leveraged, fund, platform, and revolving credit facilities, in addition to general corporate lending. Furthermore, the group is active in the property finance sector, offering buy-to-let mortgages, commercial mortgages, development finance, and bridging finance services. Incorporated in 2010 and based in Brentwood, UK, Shawbrook Group plc functions as a subsidiary of Marlin Bidco Limited.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Marcelino Castrillo Garcia
- Employees
- 1,584
- Website
- www.shawbrook.co.uk
- Address
- Lutea House, Brentwood, EX, CM13 3BE, GB
Shawbrook Group Plc (SHAW) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 5 | 14 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 0 | 0 | 12 |












