S & UFRA:97V 75 Net Margin % is 25.19% as of Jan. 2026, which is 23% below its 10-year median of 32.78. GuruFocus rates FRA:97V with a GF Score™ of 75/100 and a GF Value™ of €22.67. The stock has 4 warning signs investors should review. Among 534 Credit Services companies, S & U ranks better than 67.79% on this metric.
Net margin is calculated as Net Income divided by its Revenue. S & U's Net Income for the
six
months ended in Jan. 2026 was €13.9 Mil. S & U's Revenue for the
six
months ended in Jan. 2026 was €55.4 Mil. Therefore, S & U's net margin for the quarter that ended in Jan. 2026 was 25.19%.
The historical rank and industry rank for S & U's Net Margin % or its related term are showing as below:
FRA:97V'
s Net Margin % Range Over the Past 10 Years
Min: 18.23 Med: 32.78 Max: 45.08
Current: 25.44
FRA:97V's Net Margin % is ranked better than 67.79% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:97V: 25.44
S & U (FRA:97V) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
S & U Net Margin % Related Terms
S & U Net Margin % Historical Data
* Premium members only.
The historical data trend for S & U's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, S & U's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
S & U Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S & U's Net Margin % distribution charts can be found below:
* The bar in red indicates where S & U's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
S & U (FRA:97V) has a Net Margin % of 25.19% as of Jan. 2026. Net margin is the ratio of total net income to net sales. View historical data on S & U and its competitors. This is 23% below median its historical median of 32.78. Over the past decade, S & U's Net Margin % has ranged from 18.23 to 45.08. According to the industry distribution chart, S & U ranks #172 out of 534 companies in the Credit Services industry, placing it in the top 32.2%.
Is S & U's Net Margin % too high?
S & U's current Net Margin % of 25.19% is 23% below median its 10-year median of 32.78. Over the past 10 years, this metric has ranged from a low of 18.23 to a high of 45.08. The Credit Services industry median Net Margin % is 14.52. S & U's value of 25.19% is 73.5% above this industry median. Based on the distribution chart, S & U ranks #172 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, S & U has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does S & U's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, S & U ranks #172 out of 534 companies for Net Margin %. This puts S & U in the upper half of its industry. The industry median Net Margin % is 14.52. S & U's value of 25.19% is 73.5% above this benchmark. Historically, S & U's own Net Margin % has ranged from 18.23 to 45.08 over the past decade. While the company's 10-year median is 32.78 vs. the industry median of 14.52, S & U has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. S & U's current Net Margin % of 25.19% is 73.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on S & U and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S & U's current Net Margin % is 25.19%, which is 23% below median its own 10-year median of 32.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S & U stock overvalued right now?
S & U (FRA:97V) has a current Net Margin % of 25.19%. The stock's GF Value™ is €22.67, compared to a current price of €22.60 — trading 0.3% below its estimated fair value. The current Net Margin % is 25.19%, which is 23% below median its 10-year median of 32.78 and 73.5% above the Credit Services industry median of 14.52. S & U's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For S & U (FRA:97V), the current Net Margin % is 25.19% as of Jan. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is S & U (FRA:97V) Overvalued in 2026?
Based on GuruFocus' analysis, S & U stock appears to be undervalued.
The current stock price of €22.60 is trading 0.3% below its estimated GF Value™ of €22.67.
Key valuation signals for FRA:97V:
Net Margin %: 25.19% (23% below median its 10-year median of 32.78)
GF Value™: €22.67 vs. price of €22.60 (0.3% below fair value)
Industry Position: 73.5% above the Credit Services median (#172 of 534)
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 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.
75GF Score
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