S&U plc (SUS) Fair Value & Analysis
Financial Services · GB · Market cap 235M GBX
Fair value as of: Jun 26, 2026
From 16 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from £20.09 to £20.25 (+0.8%) since Jun 24, 2026. Share price −2.2% over the past month.
Price vs Fair Value (12 months)
12‑month range £15.96 – £23.63 · fair‑value band £16.76 – £25.32 · the £19.75 price screens below the £20.25 fair value. As of Jun 26, 2026.
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S&U plc (SUS) currently trades at £19.75, while our model-based Fair Value estimate is £20.25 — implying the stock looks roughly 2.5% undervalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, S&U plc generated revenue of £80.1M at a net margin of 29.6%. Revenue grew 43.3% year over year. It earns a return on equity of 9.7%. Net debt stands at £242M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 229.36 MXN | -96% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $177.63 | $125.08 | -30% |
| Bajaj Finance Limited BAJFINANCE | ₹889.40 | ₹559.13 | -37% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.