S & U (FRA:97V) Scaled Net Operating Assets: 1.13 (As of Jan. 2026)


FRA:97V S & U PLC FRA:97V
74 GF Score
Price €22.80
GF Value €22.46
! 4 Warning Signs
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What is S & U Scaled Net Operating Assets?

S & U FRA:97V +0.88% 74 Scaled Net Operating Assets is 1.13 as of Jan. 2026. GuruFocus rates FRA:97V with a GF Score™ of 74/100 and a GF Value™ of €22.46. The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

S & U's operating assets for the quarter that ended in Jan. 2026 was €577.2 Mil. S & U's operating liabilities for the quarter that ended in Jan. 2026 was €11.8 Mil. S & U's Total Assets for the quarter that ended in Jul. 2025 was €502.5 Mil. Therefore, S & U's scaled net operating assets (SNOA) for the quarter that ended in Jan. 2026 was 1.13.

FRA:97V
74GF Score
S & U PLC FRA:97V
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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S & U Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

S & U's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jan. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jan. 2026 )
=(Operating Assets (A: Jan. 2026 )-Operating Liabilities (A: Jan. 2026 ))/Total Assets (A: Jan. 2025 )
=(577.18-11.79)/531.427
=1.06

where

Operating Assets(A: Jan. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=577.18 - 0
=577.18

Operating Liabilities(A: Jan. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=290.441 - 278.651 - 0
=11.79

S & U's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jan. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jan. 2026 )
=(Operating Assets (Q: Jan. 2026 )-Operating Liabilities (Q: Jan. 2026 ))/Total Assets (Q: Jul. 2025 )
=(577.18-11.79)/502.483
=1.13

where

Operating Assets(Q: Jan. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=577.18 - 0
=577.18

Operating Liabilities(Q: Jan. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=290.441 - 278.651 - 0
=11.79

* 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.

What does a Scaled Net Operating Assets of 1.13 mean?
S & U (FRA:97V) has a Scaled Net Operating Assets of 1.13 as of Jan. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on S & U and its competitors.
Is S & U's Scaled Net Operating Assets too high?
S & U's current Scaled Net Operating Assets is 1.13. Overall, S & U has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does S & U's Scaled Net Operating Assets compare to V and MA?
S & U's Scaled Net Operating Assets of 1.13 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on S & U and its competitors. S & U's current Scaled Net Operating Assets is 1.13. 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 Scaled Net Operating Assets of 1.13. The stock's GF Value™ is €22.46, compared to a current price of €22.80 — trading 1.5% above its estimated fair value. The current Scaled Net Operating Assets is 1.13. S & U's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For S & U (FRA:97V), the current Scaled Net Operating Assets is 1.13 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 overvalued. The current stock price of €22.80 is trading 1.5% above its estimated GF Value™ of €22.46.

Key valuation signals for FRA:97V:

  • Scaled Net Operating Assets: 1.13
  • GF Value™: €22.46 vs. price of €22.80 (1.5% above fair value)
  • GF Score™: 74/100 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.
74GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.80
Price
€22.46
GF Value