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S&U plc
(LSE:SUS)
Select Model
Select Model
Rating:65Neutral
Price Target:
2,091.00 p
▲(5.34% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily held back by inconsistent cash-flow generation and higher leverage despite strong reported profitability. Attractive valuation (low P/E and high dividend yield) and positive recent company updates provide meaningful support, while technical indicators are broadly neutral.
Positive Factors
Specialist motor and bridging finance model
S&U’s focused model (Advantage motor finance; Aspen Bridging) with in-house underwriting and collections creates durable control over credit quality and customer relationships. Vertical integration supports margin preservation, faster decisioning and repeat dealer origination, aiding long-term portfolio resilience.
Negative Factors
Weak and inconsistent cash generation
Persistent negative operating and free cash flow shows earnings do not reliably convert to cash, constraining the group’s ability to self-finance loan growth or cushion credit cycles. This raises dependence on external funding and heightens refinancing and liquidity risk across a multi-year horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
Specialist motor and bridging finance model
S&U’s focused model (Advantage motor finance; Aspen Bridging) with in-house underwriting and collections creates durable control over credit quality and customer relationships. Vertical integration supports margin preservation, faster decisioning and repeat dealer origination, aiding long-term portfolio resilience.
Read all positive factors
S&U plc (SUS) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£241.80M
Dividend Yield5.78%
Average Volume (3M)4.72K
Price to Earnings (P/E)10.2
Beta (1Y)1.12
Revenue Growth-7.08%
EPS Growth32.38%
CountryUK
Employees200
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.95
Shares Outstanding12,150,760
10 Day Avg. Volume7,614
30 Day Avg. Volume4,719
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 Target
£2,310.00Price Target Upside16.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.18
Revenue Forecast (FY)£122.08M
S&U plc Business Overview & Revenue Model
Company Description
S&U Plc is a holding company, which engages in the provision of motor finance services. It operates through the following segments: Motor Finance, Property Bridging Finance, and Central Costs. The company was founded by Clifford Coombs in 1938 and...
How the Company Makes Money
S&U plc makes money primarily by earning interest and related finance income on the loan balances it originates and holds. Its key revenue streams are: (1) Motor finance income (via Advantage Finance): the company provides financing to customers t...
S&U plc Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
29
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 Technical Analysis
Positive
1985.00
Price Trends
1960.47
Positive
1934.56
Positive
1984.66
Positive
Market Momentum
11.09
Negative
54.71
Neutral
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SUS, the sentiment is Positive. The current price of 1985 is above the 20-day moving average (MA) of 1969.38, above the 50-day MA of 1960.47, and above the 200-day MA of 1984.66, indicating a bullish trend. The MACD of 11.09 indicates Negative momentum. The RSI at 54.71 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SUS.
S&U plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £53.38M | 8.72 | 8.28% | 5.58% | 5.19% | 14.53% | |
69 Neutral | £12.92M | 3.93 | 14.71% | 3.31% | 63.15% | 212.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | £241.80M | 10.21 | 9.68% | 5.78% | -7.08% | 32.38% | |
60 Neutral | £244.00M | 6.47 | 33.54% | 4.34% | 34.56% | 89.25% | |
52 Neutral | £210.01M | 19.30 | 2.20% | 12.35% | 6.21% | ― |
* Financial Sector Average
GB:SUS
S&U plc
1,990.00
276.89
16.16%
GB:TIME
Time Finance plc
57.70
4.20
7.85%
GB:ORCH
Orchard Funding
60.50
7.29
13.70%
GB:VANQ
Vanquis Banking Group
82.80
-27.20
-24.73%
GB:ASAI
ASA International Group PLC
244.00
126.69
107.99%
S&U plc Corporate Events
Business Operations and StrategyExecutive/Board Changes
S&U Plc Director Resigns After Rival Motor Finance Acquisition
Neutral
Aug 3, 2026
SU plc has announced the immediate resignation of non-executive director Graham Wheeler from its board to avoid any potential conflict of interest. Wheeler’s departure follows Hodge Bank’s acquisition of Blue Motor Finance, which opera...
Regulatory Filings and Compliance
S&U director Anthony Coombs disposes of 3,300 shares in on-market sale
Neutral
Jul 9, 2026
SU plc has disclosed that director Anthony Coombs sold 3,300 ordinary shares in the company on 9 July 2026, at a price of £19.40 per share in an on-market transaction on the London Stock Exchange. The disposal, carried out in compliance with ...
Regulatory Filings and Compliance
S&U Director Anthony Coombs Sells 2,500 Shares on Market
Neutral
Jul 1, 2026
SU plc has disclosed that director Anthony Coombs sold 2,500 ordinary shares in the company at a price of £19.45 per share on 1 July 2026. The on-market transaction, conducted on the London Stock Exchange, forms part of routine regulatory dis...
Business Operations and StrategyRegulatory Filings and ComplianceShareholder Meetings
S&U shareholders back all resolutions at 2026 AGM
Positive
Jun 24, 2026
SU plc reported that all resolutions put to shareholders at its Annual General Meeting on 24 June 2026 were duly passed, signalling solid investor support for the company’s current strategy and governance. The AGM voting results and full tex...
Regulatory Filings and Compliance
S&U director Anthony Coombs sells 4,000 shares at £19.05
Neutral
Jun 12, 2026
SU plc has disclosed that director Anthony Coombs sold 4,000 ordinary shares in the company at a price of £19.05 per share in an on-market transaction on the London Stock Exchange. The sale, which complies with UK Market Abuse Regulation disc...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
S&U lifts profits as Advantage surges and Aspen holds firm, eyes securitisation-fuelled growth
Positive
May 20, 2026
SU reported that its first-quarter trading for 2026/27 is ahead of both last year and budget, with strong applications at its motor and property finance units despite a weaker macroeconomic and political backdrop. Improved net interest margins and...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
S&U Publishes 2026 Annual Report and Sets June AGM Date
Neutral
May 13, 2026
SU plc has published its 2026 Annual Report and Accounts, following the release of preliminary results for the period to 5 February 2026, and made the documents available on its investor website and via the UK national storage mechanism. The compa...
Regulatory Filings and Compliance
S&U director Anthony Coombs sells 5,000 shares at £20
Neutral
May 8, 2026
SU plc has disclosed that director Anthony Coombs sold 5,000 ordinary shares in the company at £20.00 per share in an on-market transaction on the London Stock Exchange on 6 May 2026. The sale, reported under UK Market Abuse Regulation requir...
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.