Shawbrook Group

SHAW.L

Banks - Regional · Financial Services

Exchange

London Stock Exchange

Winston Score

–

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Winston Score History

The full picture

Shawbrook Group is a UK-based specialist bank that lends money to small and medium-sized businesses and individual consumers. Its main products include business loans, property finance, and personal loans. It focuses on customers who are often underserved by the big high-street banks, such as small business owners and property investors.

Shawbrook makes money by charging interest on the loans it provides, funded largely by savings deposits from retail customers. It operates entirely within the United Kingdom and has a market value of around £1.5 billion, making it a mid-sized regional lender. Its competitive edge comes from focusing on niche lending markets where larger banks are less active, but its main risk is exposure to rising loan defaults if the UK economy weakens or interest rates stay elevated for longer, which can squeeze borrowers and increase bad debts.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

EPS data limited

Insider Activity

90.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£22.2B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Shawbrook Group is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

5.4x

no trend

Attractive valuation — P/E 5.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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