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Shawbrook Group Plc
(LSE:SHAW)
Select Model
Select Model
Rating:61Neutral
Price Target:
343.00 p
▲(6.19% Upside)
Action:N/A
Date:07/01/26
The score is primarily supported by solid financial performance—strong revenue growth and improved 2025 cash generation—offset by margin compression, declining net income in 2025, and meaningful leverage. Technicals are mixed (near-term firmness vs. weaker 100-day trend), while valuation cannot be reliably assessed with the provided P/E and dividend data.
Shawbrook Group Plc (SHAW) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£1.68B
Dividend YieldN/A
Average Volume (3M)1.17M
Price to Earnings (P/E)5.4
Beta (1Y)1.11
Revenue Growth5.36%
EPS Growth-15.61%
CountryUK
Employees1,584
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.59
Shares Outstanding519,687,260
10 Day Avg. Volume452,240
30 Day Avg. Volume1,174,234
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.44
Price to Sales (P/S)1.67
P/FCF Ratio5.36
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£526.25Price Target Upside62.93% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)0.51
Revenue Forecast (FY)£766.32M
Shawbrook Group Plc Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Shawbrook primarily makes money by earning net interest income: it pays interest on customer deposits and other funding, and charges higher interest rates and fees on specialist loans, with the spread (net interest margin) generating the bulk of e...
Shawbrook Group Plc Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.86B | 1.48B | 1.43B | 1.17B | 658.90M | 465.90M |
| Gross Profit | 979.50M | 623.20M | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA | 322.20M | 284.70M | 295.10M | 286.70M | 233.00M | 176.00M |
| Net Income | 333.30M | 195.50M | 219.90M | 212.10M | 174.70M | 149.30M |
Balance Sheet | ||||||
| Total Assets | 23.19B | 22.47B | 19.72B | 17.24B | 13.94B | 11.03B |
| Cash, Cash Equivalents and Short-Term Investments | 2.26B | 1.92B | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Debt | 2.40B | 2.16B | 2.25B | 2.19B | 1.84B | 1.75B |
| Total Liabilities | 21.36B | 20.75B | 18.26B | 16.02B | 12.92B | 10.19B |
| Stockholders Equity | 1.83B | 1.72B | 1.46B | 1.22B | 1.02B | 836.20M |
Cash Flow | ||||||
| Free Cash Flow | 89.80M | 461.00M | 212.20M | 349.90M | 512.10M | -135.80M |
| Operating Cash Flow | 95.50M | 461.60M | 221.80M | 350.80M | 512.60M | -135.10M |
| Investing Cash Flow | -2.17B | -2.71B | -2.31B | -2.65B | -2.61B | -1.42B |
| Financing Cash Flow | 3.18B | 1.87B | 1.97B | 2.67B | 2.64B | 1.95B |
Shawbrook Group Plc Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | £131.11M | 6.79 | 6.84% | 6.31% | -6.35% | 16.23% | |
66 Neutral | £63.32B | 13.64 | 11.05% | 3.22% | -16.61% | 21.26% | |
61 Neutral | £1.68B | 5.39 | 17.79% | ― | 5.36% | -15.61% | |
59 Neutral | £1.11B | 21.68 | 7.00% | ― | 0.76% | -49.33% | |
57 Neutral | £1.36B | 1.11 | 5.68% | ― | 7.19% | -54.08% | |
57 Neutral | £270.32M | 11.39 | 4.70% | 2.23% | -8.35% | 5.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
GB:SHAW
Shawbrook Group Plc
316.00
-79.00
-20.00%
GB:ARBB
Arbuthnot Banking
795.00
-202.31
-20.29%
GB:LLOY
Lloyds Banking
109.95
33.37
43.58%
GB:MTRO
Metro Bank
173.00
55.00
46.61%
GB:NBS
Nationwide Building Society
12,850.00
-200.00
-1.53%
GB:STB
Secure Trust Bank
1,490.00
408.80
37.81%
Shawbrook Group Plc Corporate Events
Business Operations and StrategyExecutive/Board Changes
Shawbrook appoints former Danske Bank UK chief Vicky Davies as independent non-executive director
Positive
Jul 8, 2026
Shawbrook Group plc has appointed Vicky Davies, OBE as an Independent Non-Executive Director to both the Group and Shawbrook Bank Limited, effective 1 November 2026. She will sit on the Audit, Risk, and Nomination and Governance Committees, adding...
Business Operations and StrategyShareholder Meetings
Shawbrook Wins Strong Shareholder Backing at AGM as All Resolutions Pass
Positive
May 21, 2026
Shawbrook Group plc reported that shareholders approved all 20 resolutions at its annual general meeting on 21 May 2026, including the receipt of the 2025 accounts, the directors’ remuneration report and policy, and the reappointment of all ...
Business Operations and StrategyPrivate Placements and Financing
Shawbrook Prices £799m RMBS to Bolster Growth and Funding Diversification
Positive
May 21, 2026
Shawbrook Bank has completed a £799 million residential mortgage-backed securitisation, Aldbrook Mortgage Transaction 2026-1, backed by buy-to-let and owner-occupied loans originated by The Mortgage Lender across England, Wales and Scotland. ...
Business Operations and StrategyDividendsFinancial DisclosuresPrivate Placements and Financing
Shawbrook lifts capital and sets ambitious 2026 targets after solid first quarter
Positive
May 14, 2026
Shawbrook Group plc reported a strong start to 2026, with its loan book rising 2.6% to £19.7 billion in the first quarter and customer deposits up 1.8% to £18.7 billion, while the cost of deposits fell to 3.71%. Asset quality remained ro...
Business Operations and StrategyDelistings and Listing ChangesPrivate Placements and Financing
Shawbrook buys back majority of AT1 notes in capital optimisation move
Positive
May 6, 2026
Shawbrook Group plc has successfully completed a tender offer for its £124 million Fixed Rate Reset Perpetual Additional Tier 1 write-down capital securities, receiving valid tenders totaling about £104.9 million by the 5 May 2026 deadli...
Business Operations and StrategyRegulatory Filings and Compliance
Shawbrook Says No Ongoing Exposure to Blue Motor Finance
Positive
May 5, 2026
Shawbrook Group plc has clarified that its former commercial relationship with Blue Motor Finance Limited was limited to a forward flow purchase agreement for loan assets, which was not renewed in February 2026, leaving the bank with no ongoing le...
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.