S & U (FRA:97V) Moat Score: 0/10 (As of Jul. 04, 2026)


FRA:97V S & U PLC FRA:97V
77 GF Score
Price €22.80
GF Value €23.11
! 4 Warning Signs
View Full Analysis

What is S & U Moat Score?

S & U has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

S & U has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes S & U might have No Moat - No discernible moat.

S & U  (FRA:97V) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

S & U Moat Score Related Terms

FRA:97V
77GF Score
S & U PLC FRA:97V
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is S & U (FRA:97V) Overvalued in 2026?

Based on GuruFocus' analysis, S & U stock appears to be undervalued. The current stock price of €22.80 is trading 1.3% below its estimated GF Value™ of €23.11.

Key valuation signals for FRA:97V:

  • Moat Score: 0
  • GF Value™: €23.11 vs. price of €22.80 (1.3% below fair value)
  • GF Score™: 77/100 with 4 warning signs

No single metric tells the full story. See the FRA:97V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

S & U Business Description

Other Exchanges SUSl:UKSUS:UK47IE.PFD:UK
Address Cranmore Boulevard, 2 Stratford Court, Solihull, Birmingham, West Midlands, GBR, B90 4QT
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.
77GF Score

Get the complete analysis for FRA:97V

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.80
Price
€23.11
GF Value