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Shawbrook Group Plc
(LSE:SHAW)
Select Model
Select Model
Rating:64Neutral
Price Target:
294.00 p
▼(-6.96% Downside)
Action:Reiterated
Date:10/31/26
The score is led by solid financial performance (profitability and improving leverage/ROE) but held back by weak and volatile operating cash flow. Technicals are a meaningful drag due to a clear downtrend and negative momentum, while the low P/E provides a supportive valuation offset.
Positive Factors
Revenue and Margin Growth
Faster revenue growth alongside a materially higher net margin indicates improving earnings capacity across Shawbrook’s specialist lending model. If maintained, this combination can support stronger retained capital, reinforce returns, and provide resources for continued lending growth.
Negative Factors
Operating Cash-Flow Volatility
The sharp decline in operating cash flow and the history of variable cash generation reduce confidence in the consistency of Shawbrook’s earnings quality. Persistent volatility could constrain internally funded growth and make liquidity planning more dependent on funding conditions and balance-sheet management.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Margin Growth
Faster revenue growth alongside a materially higher net margin indicates improving earnings capacity across Shawbrook’s specialist lending model. If maintained, this combination can support stronger retained capital, reinforce returns, and provide resources for continued lending growth.
Read all positive factors
Shawbrook Group Plc (SHAW) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£1.43B
Dividend YieldN/A
Average Volume (3M)387.26K
Price to Earnings (P/E)4.7
Beta (1Y)1.18
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. Volume439,612
30 Day Avg. Volume387,256
Financial Highlights & Ratios
PEG Ratio-1.11
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 Upside66.53% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)0.51
Revenue Forecast (FY)£766.00M
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 makes money primarily by intermediating between savers and borrowers: it raises funding through deposits and other funding sources, and then earns interest income by lending those funds out at higher rates. The core revenue stream is net...
Shawbrook Group Plc Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.86B | 1.48B | 1.43B | 1.16B | 658.90M | 496.60M |
| Gross Profit | 979.50M | 623.20M | 571.40M | 534.60M | 445.00M | 376.10M |
| EBITDA | 335.95M | 298.80M | 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 Technical Analysis
Negative
316.00
Price Trends
305.40
Negative
320.87
Negative
347.95
Negative
Market Momentum
-4.34
Negative
36.86
Neutral
60.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SHAW, the sentiment is Negative. The current price of 316 is above the 20-day moving average (MA) of 291.22, above the 50-day MA of 305.40, and below the 200-day MA of 347.95, indicating a bearish trend. The MACD of -4.34 indicates Negative momentum. The RSI at 36.86 is Neutral, neither overbought nor oversold. The STOCH value of 60.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:SHAW.
Shawbrook Group Plc Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | £132.73M | 7.01 | 6.84% | 6.71% | -6.35% | 16.23% | |
66 Neutral | £53.50B | 9.56 | 13.09% | 4.29% | -1.77% | 70.96% | |
64 Neutral | £1.43B | 4.68 | 17.79% | ― | 5.36% | -15.61% | |
59 Neutral | £1.04B | 19.37 | 7.00% | ― | 0.76% | -49.33% | |
58 Neutral | £1.32B | 1.08 | 5.68% | ― | 7.19% | -54.08% | |
57 Neutral | £242.40M | 10.24 | 6.44% | 2.69% | -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
274.50
-116.50
-29.80%
GB:ARBB
Arbuthnot Banking
820.00
-27.48
-3.24%
GB:LLOY
Lloyds Banking
93.50
7.41
8.60%
GB:MTRO
Metro Bank
154.60
39.20
33.97%
GB:NBS
Nationwide Building Society
12,500.00
-550.00
-4.21%
GB:STB
Secure Trust Bank
1,340.00
397.11
42.12%
Shawbrook Group Plc Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresPrivate Placements and Financing
Shawbrook lifts H1 profit 16% and reaffirms 2026 guidance
Positive
Aug 5, 2026
Shawbrook reported strong interim results for the six months to 30 June 2026, with underlying profit before tax up 16% to £195.5 million and an underlying return on tangible equity of 18.1%. The loan book including originate-to-distribute ass...
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.