S & ULSE:SUS +2.33%77 Return-on-Tangible-Equity is 9.88% as of Jan. 2026, which is 36% below its 10-year median of 15.41. GuruFocus rates LSE:SUS with a GF Score™ of 77/100 and a GF Value™ of £20.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 524 Credit Services companies, S & U ranks better than 59.73% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. S & U's annualized net income for the quarter that ended in Jan. 2026 was £24.22 Mil. S & U's average shareholder tangible equity for the quarter that ended in Jan. 2026 was £245.09 Mil. Therefore, S & U's annualized Return-on-Tangible-Equity for the quarter that ended in Jan. 2026 was 9.88%.
The historical rank and industry rank for S & U's Return-on-Tangible-Equity or its related term are showing as below:
LSE:SUS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.59 Med: 15.41 Max: 19.59
Current: 9.77
During the past 13 years, S & U's highest Return-on-Tangible-Equity was 19.59%. The lowest was 7.59%. And the median was 15.41%.
LSE:SUS's Return-on-Tangible-Equity is ranked better than 59.73% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs LSE:SUS: 9.77
S & U (LSE:SUS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
S & U Return-on-Tangible-Equity Related Terms
S & U Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for S & U's Return-on-Tangible-Equity 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.
LSE:SUS vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, S & U's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S & U's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where S & U's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Jan. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.88% mean?
S & U (LSE:SUS) has a Return-on-Tangible-Equity of 9.88% as of Jan. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on S & U and its competitors. This is 36% below median its historical median of 15.41. Over the past decade, S & U's Return-on-Tangible-Equity has ranged from 7.59 to 19.59. According to the industry distribution chart, S & U ranks #211 out of 524 companies in the Credit Services industry, placing it in the top 40.3%.
Is S & U's Return-on-Tangible-Equity too high?
S & U's current Return-on-Tangible-Equity of 9.88% is 36% below median its 10-year median of 15.41. Over the past 10 years, this metric has ranged from a low of 7.59 to a high of 19.59. The Credit Services industry median Return-on-Tangible-Equity is 7.06. S & U's value of 9.88% is 40% above this industry median. Based on the distribution chart, S & U ranks #211 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, S & U has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does S & U's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, S & U ranks #211 out of 524 companies for Return-on-Tangible-Equity. This puts S & U in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. S & U's value of 9.88% is 40% above this benchmark. Historically, S & U's own Return-on-Tangible-Equity has ranged from 7.59 to 19.59 over the past decade. While the company's 10-year median is 15.41 vs. the industry median of 7.06, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. S & U's current Return-on-Tangible-Equity of 9.88% is 40% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on S & U and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S & U's current Return-on-Tangible-Equity is 9.88%, which is 36% below median its own 10-year median of 15.41. 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?
Based on GuruFocus' analysis, S & U (LSE:SUS) is currently considered Fairly Valued. The stock's GF Value™ is £20.07, compared to a current price of £19.80 — trading 1.3% below its estimated fair value. The current Return-on-Tangible-Equity is 9.88%, which is 36% below median its 10-year median of 15.41 and 40% above the Credit Services industry median of 7.06. S & U's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For S & U (LSE:SUS), the current Return-on-Tangible-Equity is 9.88% 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 (LSE:SUS) Overvalued in 2026?
Based on GuruFocus' analysis, S & U stock appears to be undervalued.
The current stock price of £19.80 is trading 1.3% below its estimated GF Value™ of £20.07.
GuruFocus considers S & U to be Fairly Valued.
Key valuation signals for LSE:SUS:
Return-on-Tangible-Equity: 9.88% (36% below median its 10-year median of 15.41)
GF Value™: £20.07 vs. price of £19.80 (1.3% below fair value)
Industry Position: 40% above the Credit Services median (#211 of 524)
No single metric tells the full story. See the LSE:SUS 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.
77GF Score
Get the complete analysis for LSE:SUS
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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