S&U plc

LSE:SUS Stock Report

Market Cap: UK£153.7m

S&U Valuation

Is SUS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SUS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SUS (£12.65) is trading below our estimate of fair value (£35.69)

Significantly Below Fair Value: SUS is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SUS?

Key metric: As SUS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SUS. This is calculated by dividing SUS's market cap by their current earnings.
What is SUS's PE Ratio?
PE Ratio8.2x
EarningsUK£18.82m
Market CapUK£153.71m

Price to Earnings Ratio vs Peers

How does SUS's PE Ratio compare to its peers?

The above table shows the PE ratio for SUS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average6.7x
HAT H&T Group
7.4x6.7%UK£160.9m
IPF International Personal Finance
5.8x10.3%UK£286.6m
ASAI ASA International Group
4.2x24.9%UK£63.3m
RFX Ramsdens Holdings
9.2xn/aUK£71.8m
SUS S&U
8.2x23.5%UK£153.7m

Price-To-Earnings vs Peers: SUS is expensive based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (6.7x).

Price to Earnings Ratio vs Industry

How does SUS's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
SUS 8.2xIndustry Avg. 9.2xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SUS is good value based on its Price-To-Earnings Ratio (8.2x) compared to the European Consumer Finance industry average (9.2x).

Price to Earnings Ratio vs Fair Ratio

What is SUS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SUS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.2x
Fair PE Ratio15.7x

Price-To-Earnings vs Fair Ratio: SUS is good value based on its Price-To-Earnings Ratio (8.2x) compared to the estimated Fair Price-To-Earnings Ratio (15.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst SUS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£12.65
UK£21.57
+70.5%
2.6%UK£22.14UK£21.00n/a2
Nov ’25UK£16.10
UK£21.57
+34.0%
2.6%UK£22.14UK£21.00n/a2
Oct ’25UK£16.65
UK£21.57
+29.5%
2.6%UK£22.14UK£21.00n/a2
Sep ’25UK£17.68
UK£21.90
+23.9%
4.1%UK£22.80UK£21.00n/a2
Aug ’25UK£19.60
UK£22.30
+13.8%
2.2%UK£22.80UK£21.80n/a2
Jul ’25UK£19.00
UK£22.30
+17.4%
2.2%UK£22.80UK£21.80n/a2
Jun ’25UK£19.00
UK£22.90
+20.5%
4.8%UK£24.00UK£21.80n/a2
May ’25UK£19.35
UK£22.90
+18.3%
4.8%UK£24.00UK£21.80n/a2
Apr ’25UK£18.75
UK£22.86
+21.9%
4.6%UK£23.92UK£21.80n/a2
Mar ’25UK£18.30
UK£22.86
+24.9%
4.6%UK£23.92UK£21.80n/a2
Feb ’25UK£20.90
UK£23.40
+12.0%
6.8%UK£25.00UK£21.80n/a2
Jan ’25UK£21.85
UK£23.40
+7.1%
6.8%UK£25.00UK£21.80n/a2
Dec ’24UK£21.50
UK£26.15
+21.6%
16.6%UK£30.50UK£21.80n/a2
Nov ’24UK£22.00
UK£26.15
+18.9%
16.6%UK£30.50UK£21.80UK£16.102
Oct ’24UK£22.25
UK£26.65
+19.8%
18.2%UK£31.50UK£21.80UK£16.652
Sep ’24UK£22.60
UK£26.65
+17.9%
18.2%UK£31.50UK£21.80UK£17.682
Aug ’24UK£24.40
UK£26.65
+9.2%
18.2%UK£31.50UK£21.80UK£19.602
Jul ’24UK£22.70
UK£26.65
+17.4%
18.2%UK£31.50UK£21.80UK£19.002
Jun ’24UK£24.90
UK£26.65
+7.0%
18.2%UK£31.50UK£21.80UK£19.002
May ’24UK£24.40
UK£26.65
+9.2%
18.2%UK£31.50UK£21.80UK£19.352
Apr ’24UK£23.60
UK£26.65
+12.9%
18.2%UK£31.50UK£21.80UK£18.752
Mar ’24UK£23.60
UK£26.47
+12.2%
17.6%UK£31.14UK£21.80UK£18.302
Feb ’24UK£21.00
UK£27.47
+30.8%
20.6%UK£33.14UK£21.80UK£20.902
Jan ’24UK£20.90
UK£27.47
+31.4%
20.6%UK£33.14UK£21.80UK£21.852
Dec ’23UK£20.90
UK£27.47
+31.4%
20.6%UK£33.14UK£21.80UK£21.502
Nov ’23UK£21.70
UK£27.47
+26.6%
20.6%UK£33.14UK£21.80UK£22.002

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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