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S & U PLC is a UK-based company. It is engaged in providing motor finance, property bridging, and specialist finance services. The company operates through the following business segments: Motor finance, and Property bridging finance. The majority of the revenue for the company is derived from the Motor finance segment which operates within the non-prime market sector, and acts as a supplier of specialist finance facilities, through motor dealers throughout the UK which facilitate the purchase of new and used cars, vans, motorbikes, and caravans. The company's finance products allow motor dealers across the UK to provide credit facilities.
1938
248
LTM Revenue $155M
Last FY EBITDA n/a
$564M
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S & U has a last 12-month revenue (LTM) of $155M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, S & U achieved revenue of $131M and an EBITDA of n/a.
S & U expects next 12-month revenue of XXX and NTM EBITDA of XXX
See S & U valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $155M | XXX | $131M | XXX | XXX | XXX |
| Gross Profit | $121M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 78% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $61.9M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 40% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $28.6M | XXX | $24.0M | XXX | XXX | XXX |
| Net Margin | 18% | XXX | 18% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $258M | XXX | XXX | XXX |
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As of September 5, 2025, S & U's stock price is GBP 18 (or $25).
S & U has current market cap of GBP 222M (or $298M), and EV of GBP 420M (or $564M).
See S & U trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $564M | $298M | XXX | XXX | XXX | XXX | $2.36 |
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Start Free TrialAs of September 5, 2025, S & U has market cap of $298M and EV of $564M.
S & U's trades at 4.3x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate S & U's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
S & U has a P/E ratio of 10.4x.
See valuation multiples for S & U and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $298M | XXX | $298M | XXX | XXX | XXX |
| EV (current) | $564M | XXX | $564M | XXX | XXX | XXX |
| EV/Revenue | 3.6x | XXX | 4.3x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 9.1x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 4.7x | XXX | n/a | XXX | XXX | XXX |
| P/E | 10.4x | XXX | 12.0x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 7.1x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialS & U's last 12 month revenue growth is 5%
S & U's revenue per employee in the last FY averaged $0.5M, while opex per employee averaged $0.2M for the same period.
S & U's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
S & U's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for S & U and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 5% | XXX | 12% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.5M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 36% | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Australian Finance Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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S & U acquired XXX companies to date.
Last acquisition by S & U was XXXXXXXX, XXXXX XXXXX XXXXXX . S & U acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was S & U founded? | S & U was founded in 1938. |
| Where is S & U headquartered? | S & U is headquartered in United Kingdom of Great Britain and Northern Ireland. |
| How many employees does S & U have? | As of today, S & U has 248 employees. |
| Is S & U publicy listed? | Yes, S & U is a public company listed on LON. |
| What is the stock symbol of S & U? | S & U trades under SUS ticker. |
| When did S & U go public? | S & U went public in 1961. |
| Who are competitors of S & U? | Similar companies to S & U include e.g. Australian Finance Group, Credit Clear, Humm Group, Liberty Financial Group. |
| What is the current market cap of S & U? | S & U's current market cap is $298M |
| What is the current revenue of S & U? | S & U's last 12 months revenue is $155M. |
| What is the current revenue growth of S & U? | S & U revenue growth (NTM/LTM) is 5%. |
| What is the current EV/Revenue multiple of S & U? | Current revenue multiple of S & U is 3.6x. |
| Is S & U profitable? | Yes, S & U is EBITDA-positive (as of the last 12 months). |
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