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S & U Valuation Multiples
Discover revenue and EBITDA valuation multiples for S & U and similar public comparables like Hypothekarbank Lenzburg, Jiayin Group, Nayifat Finance, Yiren Digital and more.
S & U Overview
About S & U
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.
Founded
1938
HQ
Employees
248
Website
Sectors
Financials (LTM)
EV
$601M
S & U Financials
S & U reported last 12-month revenue of $156M.
In the same LTM period, S & U generated $117M in gross profit and $32M in net income.
Revenue (LTM)
S & U P&L
In the most recent fiscal year, S & U reported revenue of $153M and net income of $24M.
S & U expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $156M | XXX | $153M | XXX | XXX | XXX |
| Gross Profit | $117M | XXX | — | XXX | XXX | XXX |
| Gross Margin | 75% | XXX | — | XXX | XXX | XXX |
| EBIT Margin | 54% | XXX | 36% | XXX | XXX | XXX |
| Net Profit | $32M | XXX | $24M | XXX | XXX | XXX |
| Net Margin | 21% | XXX | 16% | XXX | XXX | XXX |
| Net Debt | — | — | $257M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
S & U Stock Performance
S & U has current market cap of $355M, and enterprise value of $601M.
Market Cap Evolution
S & U's stock price is $29.25.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $601M | $355M | (0.1%) | XXX | XXX | XXX | $1.97 |
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Start Free TrialS & U Valuation Multiples
S & U trades at 3.8x EV/Revenue multiple.
EV / Revenue (LTM)
S & U Financial Valuation Multiples
As of March 7, 2026, S & U has market cap of $355M and EV of $601M.
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 11.1x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $355M | XXX | $355M | XXX | XXX | XXX |
| EV (current) | $601M | XXX | $601M | XXX | XXX | XXX |
| EV/Revenue | 3.8x | XXX | 3.9x | XXX | XXX | XXX |
| EV/EBIT | 7.1x | XXX | 10.8x | XXX | XXX | XXX |
| EV/Gross Profit | 5.1x | XXX | — | XXX | XXX | XXX |
| P/E | 11.1x | XXX | 14.9x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 7.0x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified S & U Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
S & U Margins & Growth Rates
S & U's revenue in the last 12 month grew by 8%.
S & U's revenue per employee in the last FY averaged $0.6M, while opex per employee averaged $0.1M for the same period.
S & U Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 8% | XXX | 1% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.6M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 16% | XXX | XXX | XXX |
| Opex to Revenue | 17% | XXX | 31% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
S & U Public Comps
See public comps and valuation multiples for other Consumer Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Hypothekarbank Lenzburg | XXX | XXX | XXX | XXX | XXX | XXX |
| Jiayin Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Nayifat Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| Yiren Digital | XXX | XXX | XXX | XXX | XXX | XXX |
| Australian Finance Group | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
S & U M&A Activity
S & U acquired XXX companies to date.
Last acquisition by S & U was on XXXXXXXX, XXXXX. S & U acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by S & U
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialS & U Investment Activity
S & U invested in XXX companies to date.
S & U made its latest investment on XXXXXXXX, XXXXX. S & U invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by S & U
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout S & U
| When was S & U founded? | S & U was founded in 1938. |
| Where is S & U headquartered? | S & U is headquartered in United Kingdom. |
| How many employees does S & U have? | As of today, S & U has over 248 employees. |
| Is S & U publicly listed? | Yes, S & U is a public company listed on London Stock Exchange. |
| 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? | S & U main competitors are Hypothekarbank Lenzburg, Jiayin Group, Nayifat Finance, Yiren Digital. |
| What is the current market cap of S & U? | S & U's current market cap is $355M. |
| What is the current revenue of S & U? | S & U's last 12 months revenue is $156M. |
| What is the current revenue growth of S & U? | S & U revenue growth (NTM/LTM) is 8%. |
| What is the current EV/Revenue multiple of S & U? | Current revenue multiple of S & U is 3.8x. |
| Is S & U profitable? | Yes, S & U is net-income-positive (as of the last 12 months). |
| What is the current net income of S & U? | S & U's last 12 months net income is $32M. |
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