S&U PLC
LSE:SUS

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S&U PLC Logo
S&U PLC
LSE:SUS
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Price: 1 320 GBX Market Closed
Market Cap: 160.4m GBX
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Intrinsic Value

The intrinsic value of one SUS stock under the Base Case scenario is 2 821.87 GBX. Compared to the current market price of 1 320 GBX, S&U PLC is Undervalued by 53%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

SUS Intrinsic Value
2 821.87 GBX
Undervaluation 53%
Intrinsic Value
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S&U PLC

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
S&U PLC

Current Assets 222.4m
Cash & Short-Term Investments 1k
Receivables 222.4m
Non-Current Assets 244.5m
PP&E 2.3m
Other Non-Current Assets 242.1m
Current Liabilities 8.5m
Accounts Payable 4.9m
Accrued Liabilities 2m
Short-Term Debt 881k
Other Current Liabilities 734k
Non-Current Liabilities 224.2m
Long-Term Debt 224.2m
Efficiency

Earnings Waterfall
S&U PLC

Revenue
115.4m GBP
Cost of Revenue
-22.8m GBP
Gross Profit
92.6m GBP
Operating Expenses
-44m GBP
Operating Income
48.6m GBP
Other Expenses
-23.2m GBP
Net Income
25.4m GBP

Free Cash Flow Analysis
S&U PLC

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

SUS Profitability Score
Profitability Due Diligence

S&U PLC's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Operating Income
Positive Net Income
Positive 3-Years Revenue Growth
56/100
Profitability
Score

S&U PLC's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

SUS Solvency Score
Solvency Due Diligence

S&U PLC's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Low D/E
Average Altman Z-Score
52/100
Solvency
Score

S&U PLC's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

SUS Price Targets Summary
S&U PLC

Wall Street analysts forecast SUS stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SUS is 2 200.14 GBX with a low forecast of 2 121 GBX and a high forecast of 2 324.7 GBX.

Lowest
Price Target
2 121 GBX
61% Upside
Average
Price Target
2 200.14 GBX
67% Upside
Highest
Price Target
2 324.7 GBX
76% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
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Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for SUS is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
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Buyback Yield
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Debt Paydown Yield
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Profile

S&U PLC Logo
S&U PLC

Country

United Kingdom

Industry

Financial Services

Market Cap

160.4m GBP

Dividend Yield

8.71%

Description

S&U Plc is a holding company that provides motor finance services. The company is headquartered in Solihull, West Midlands. The firm operates through its subsidiaries, Advantage Finance Limited (Advantage Finance), and Aspen Bridging Limited (Aspen Bridging). Advantage Finance is a motor finance company. Advantage Finance operates in the used car sector, offering loans of up to ÂŁ15,000 on a hire purchase basis. Aspen Bridging is engaged in property bridging business. Aspen Bridging lends up to ÂŁ5m per deal with an average loan of ÂŁ500,000.

Contact

WEST MIDLANDS
SOLIHULL
Stratford Court, Cranmore Boulevard
+441217057777.0
www.suplc.co.uk

IPO

1983-01-04

Employees

190

Officers

Chairman & MD
Mr. Anthony Michael Vincent Coombs M.A., M.A. (Oxon)
Group Financial Director & Executive Director
Mr. Christopher Hugh Redford A.C.A.
Group Development Executive & Director
Mr. Jack Edward-Clifford Coombs A.C.A., M.A.
CEO of Aspen Bridging & Executive Director
Mr. Edward Henry Ahrens
Company Secretary
Ms. Manjeet Kaur Bhogal A.C.M.A., CGMA
Chief Executive Officer of Advantage Finance
Mr. Karl Werner

See Also

Discover More
What is the Intrinsic Value of one SUS stock?

The intrinsic value of one SUS stock under the Base Case scenario is 2 821.87 GBX.

Is SUS stock undervalued or overvalued?

Compared to the current market price of 1 320 GBX, S&U PLC is Undervalued by 53%.

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