S & U (FRA:97V) ROC (Joel Greenblatt) %: % (As of Jan. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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FRA:97V S & U PLC FRA:97V
76 GF Score
Price €22.80
GF Value €23.64
! 4 Warning Signs
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What is S & U ROC (Joel Greenblatt) %?

S & U FRA:97V 76 ROC (Joel Greenblatt) % is % as of Jan. 2026. GuruFocus rates FRA:97V with a GF Score™ of 76/100 and a GF Value™ of €23.64. The stock has 4 warning signs investors should review. Among 414 Credit Services companies, S & U ranks worse than 241545.65% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:97V
76GF Score
S & U PLC FRA:97V
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
S & U (FRA:97V) has a ROC (Joel Greenblatt) % of % as of Jan. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on S & U and its competitors. According to the industry distribution chart, S & U ranks #999999 out of 414 companies in the Credit Services industry.
Is S & U's ROC (Joel Greenblatt) % too high?
S & U's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, S & U ranks #999999 out of 414 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, S & U has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does S & U's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, S & U ranks #999999 out of 414 companies for ROC (Joel Greenblatt) %. This places S & U in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on S & U and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S & U's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % of %. The stock's GF Value™ is €23.64, compared to a current price of €22.80 — trading 3.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. S & U's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For S & U (FRA:97V), the current ROC (Joel Greenblatt) % is % 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 €22.80 is trading 3.6% below its estimated GF Value™ of €23.64.

Key valuation signals for FRA:97V:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €23.64 vs. price of €22.80 (3.6% below fair value)
  • GF Score™: 76/100 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.
76GF Score

Get the complete analysis for FRA:97V

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.80
Price
€23.64
GF Value