Valuation: S&U plc

Market Cap 238M 316M 278M 256M 449M 30.07B 458M 3.07B 1.19B 14.76B 1.19B 1.16B 51.36B P/E 2027 *
9x
P/E 2028 * 7.82x
Enterprise Value 241M 321M 282M 259M 455M 30.48B 465M 3.12B 1.21B 14.96B 1.2B 1.18B 52.07B EV / Sales 2027 *
1.98x
EV / Sales 2028 * 1.61x
Free-Float
24.53%
Yield 2027 *
6.12%
Yield 2028 * 6.57%
1 day-1.51%
1 week-1.51%
Current month-1.51%
1 month-1.13%
3 months-5.77%
6 months-5.77%
Current year-5.77%
1 week 1,935
Extreme 1935
1,990
1 month 1,850
Extreme 1850
2,000
Current year 1,715
Extreme 1715
2,458.5
1 year 1,620
Extreme 1620
2,458.5
3 years 1,230
Extreme 1230
2,458.5
5 years 1,230
Extreme 1230
2,950
10 years 1,230
Extreme 1230
2,950
Manager TitleAgeSince
Director of Finance/CFO - -
Corporate Secretary - 01/01/2024
Director TitleAgeSince
Director/Board Member 74 -
Chairman 74 01/01/2008
Director/Board Member - 14/04/2021
Date Insider Type Main position Quantity % Market Cap.
06-12Sell

Chairman

-4,000 0.0329%
05-06Sell

Chairman

-5,000 0.0411%
08/07/25Others

Director

200,000 1.6460%
Change 5-day change 1-year change 3-year change Capi.($)
-1.51%-1.51%+8.89%-13.66% 321M
+1.01%+5.46%+8.37%+41.73% 65.92B
+0.63%+7.60%+9.46%+76.90% 44.56B
+0.98%+1.85%-12.57%+17.64% 30.01B
+0.95%+0.59%+12.62%+126.33% 25.58B
+0.41%+2.74%+50.31%+201.66% 25.94B
+2.84%+6.53%+4.54%+121.10% 23B
+1.51%+0.93%-26.55% - 16.51B
-1.19%+2.58% - - 16.32B
+0.66%+0.62%+12.81%+57.96% 16.16B
Average +0.63%+2.01%+7.54%+78.71% 26.43B
Weighted average by Cap. +0.91%+2.75%+8.47%+81.59%

Financials

2027 *2028 *
Net sales 122M 162M 142M 131M 230M 15.41B 235M 1.58B 610M 7.56B 609M 595M 26.33B 144M 191M 168M 155M 272M 18.2B 277M 1.86B 721M 8.93B 719M 703M 31.08B
Net income 26.42M 35.09M 30.81M 28.36M 49.84M 3.34B 50.85M 341M 132M 1.64B 132M 129M 5.7B 30.55M 40.57M 35.62M 32.78M 57.62M 3.86B 58.79M 394M 153M 1.89B 152M 149M 6.59B
Net Debt 3.3M 4.38M 3.85M 3.54M 6.22M 417M 6.35M 42.59M 16.5M 204M 16.45M 16.1M 712M -6.2M -8.23M -7.23M -6.65M -11.69M -783M -11.93M -80.03M -31.01M -384M -30.91M -30.24M -1.34B
Logo S&U plc
S&U plc is a United Kingdom-based specialist motor finance and bridging lender. The Company’s trading subsidiaries include Advantage Finance Limited (Advantage Finance) and Aspen Bridging Limited (Aspen Bridging). Advantage Finance is a motor finance company. Aspen Bridging is focused on property bridging finance. Advantage Finance operates within the non-prime sector and has provided hire purchase finance for over 275,000 customers. Aspen Bridging has developed a range of bridging loan products across the market for residential and commercial property as well as sectors such as refinancing, capital raising, and refurbishment loans. Aspen Bridging can lend up to over £15 million per deal with an average loan size of circa £1,000,000.
Employees
250
Date Price Change Volume
01/07/26 GBX 1,960.00 -1.51% 10,817
30/06/26 GBX 1,990.00 +0.25% 3,299
29/06/26 GBX 1,985.00 +0.25% 3,631
26/06/26 GBX 1,980.00 +0.25% 4,154
25/06/26 GBX 1,975.00 -0.75% 566
Trader
Investor
-
Global
-
Quality
-
ESG MSCI
CCC
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
19.60GBP
Average target price
24.57GBP
Spread / Average Target
+25.34%

Annual profits - Rate of surprise