S&U plc (47IE) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of S&U plc stock £25.08, price £65.00, that is 61.4% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range £64.80 – £65.00 · fair‑value band £17.99 – £32.12 · the £65.00 price screens above the £25.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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S&U plc, together with its subsidiaries, provides motor, property bridging, and specialist finance services in the United Kingdom. It operates through Motor Finance and Property Bridging Finance. The company was incorporated in 1938 and is based in Solihull, the United Kingdom.
Stock analysis
S&U plc (47IE) currently trades at £65.00, while our model-based Fair Value estimate is £25.08, 61% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of £34.44 per share, and 0 of the 8 models we run sit above the £65.00 price.
Bear case: the Dividend Discount group reads lowest at £13.78, and 8 of the 8 models stay below the price. Data coverage for this calculation is medium.
Scenario range: £17.99 (bear) to £32.12 (bull), the price of £65.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
S&U plc reported revenue of £107M in FY2026 versus £87.9M in FY2022, a compound +5.1%/yr. Reported net income was £23.7M in FY2026, compounding −11.1%/yr from FY2022.
Key figures
Market cap £343M Small · P/E ratio 0.0 · EPS (TTM) £312.70 · Dividend yield 0.1% · Net margin 22.1% · Return on equity 9.7% · Return on assets (EBIT) 13.0% (5-year average) · Operating margin 38.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −61%, 47IE screens richer than that median.
Fair Value models
Bear£17.99Fair Value £25.08Bull£32.12
Price £65.00 · Downside -61.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 9 months old). Earnings retained since then (£241.56 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.1%
Start year 2021 (pandemic). Over 10 years: +9.5% a year
Revenue growth 40 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−3.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.0%
Dividend (yield on the price)0.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−4.0% vs 4.0%, slowing
Profit margin 2019 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.44% → 43%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−61.4% · Bottom 25%
Profitability
Return on equity (12 months)9.7% · Below median
Return on assets4.7% · Above median
Net margin (12 months)28.5% · Above median
Operating margin (12 months)38.7% · Above median
Growth and dividend
Revenue growth (quarter YoY)9.7% · Below median
Dividend yield (12 months)0.1% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)49· sector 57
PAST (return on equity)39· sector 39
HEALTH (low debt)0· sector 54
DIVIDEND (yield)1· sector 64
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "S&U plc Fair Value". https://www.fairvalue-calculator.com/stock/47IE
Frequently asked questions
Is S&U plc (47IE) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of £25.08 versus a price of £65.00, about 61% lower (overvalued).
What is the fair value of 47IE?
Our model-based fair value for S&U plc is £25.08 (as of Nov 9, 2026), built from audited fundamentals. The current price: £65.00.
What is the quality score of 47IE?
S&U plc has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for S&U plc (47IE)?
Our model-based price target is the fair value of £25.08 (as of Nov 9, 2026) from 8 valuation models. Cautious scenario £17.99, optimistic scenario £32.12. It is a calculation from audited fundamentals, not an analyst target.
What is the S&U plc stock forecast for 2026?
Our models put fair value at £25.08, about 61% lower versus a price of £65.00 (overvalued). Cautious scenario £17.99, optimistic scenario £32.12. The calculation is refreshed regularly with new filings.
What is the revenue of S&U plc (47IE)?
S&U plc reported trailing-twelve-month revenue of about £83.7M (latest available figure, as of Nov 9, 2026).
Does S&U plc pay a dividend?
S&U plc currently shows a dividend yield of 0.06% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of S&U plc (47IE) and when is the ex-dividend date?
S&U plc pays a dividend of £0.0394 per share a year, a dividend yield of 0.1%. The last ex-dividend date was Jul 2, 2026. A dividend has been paid every year since at least 2008. The payout ratio is 0.0% of earnings. Our assessment: Token dividend. At a yield of 0.1% the dividend is symbolic. On paper it is not fully covered by earnings or free cash flow, but at this size that hardly matters: even scrapping it entirely would cost less than 0.1% a year, and coverage ratios on amounts this small swing with ordinary working-capital movements. Judge this company on its business, not on its dividend.
What is the intrinsic value of S&U plc (47IE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For S&U plc it is £25.08 per share (as of Nov 9, 2026), against a price of £65.00. It is the blended result of 8 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is S&U plc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, 47IE trades above its calculated fair value: price £65.00, fair value £25.08, a gap of about −61% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 47IE?
No. The price is what the market pays today (£65.00); the fair value is what the company's own numbers justify (£25.08). For S&U plc the two are £39.92 per share apart. That gap is exactly why we show both numbers side by side.
How much is S&U plc worth?
The market values S&U plc at about £343M (market capitalisation, as of Nov 9, 2026). Per share that is £65.00; our models calculate a fair value of £25.08 per share.
What do the bullish and bearish scenarios say about 47IE?
Our models span a range for S&U plc: cautious scenario £17.99, base £25.08, optimistic £32.12 per share (as of Nov 9, 2026, price £65.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 47IE?
S&U plc trades at a price-to-earnings ratio of 0.0 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £25.08 is built from several models across several years.
How solid is the balance sheet of S&U plc (47IE)?
Balance-sheet figures for S&U plc (as of Nov 9, 2026): return on equity 9.7%. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is 47IE from its 52-week high?
S&U plc trades at £65.00, at its 52-week high of £65.00 and at the low of £64.96 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of £25.08 is for.
Which stocks are comparable to S&U plc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is S&U plc stock attractive at the current price?
The data as of Nov 9, 2026: price £65.00, calculated fair value £25.08 (−61%), Quality Score 53/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 47IE calculated?
We run S&U plc through 8 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of £25.08 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. S&U plc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of S&U plc (47IE)?
The closing price on Nov 5, 2026 was £65.00. Our model-based fair value is £25.08, about 61% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with S&U plc right now?
The price sits above even our optimistic bull case (£32.12). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of S&U plc (47IE) come from?
Earnings per share at S&U plc grew +3.6 % a year from 2015 to 2026. Broken into its drivers: revenue per share +9.2 %, EBIT margin +1.9 %, tax rate −0.8 %, residual (interest, one-offs) −6.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of S&U plc
How large is the market capitalisation of S&U plc (47IE)?
The market capitalisation of S&U plc is £343M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of S&U plc (47IE)?
Earnings per share at S&U plc are £312.70 (price ÷ EPS = P/E 0.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of S&U plc (47IE)?
The dividend yield of S&U plc is 0.1% (payout 0.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of S&U plc (47IE)?
The net margin of S&U plc is 22.1% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of S&U plc (47IE)?
The return on equity (ROE) of S&U plc is 9.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of S&U plc (47IE)?
On an EBIT basis the return on assets of S&U plc is 13.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of S&U plc (47IE)?
The operating margin of S&U plc is 38.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at S&U plc (47IE)?
Revenue at S&U plc is growing +9.7% versus a year earlier (3y avg +1.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at S&U plc (47IE)?
Earnings per share at S&U plc are growing +1.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does S&U plc (47IE) generate?
The free cash flow of S&U plc is −£36.7M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does S&U plc (47IE) carry?
The net debt of S&U plc is £242M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 9, 2026