S&U plc

SUS · LSE · Financial Services / Credit Services

1,960.00GBX+20.00 (+1.03%)

Price History

Full chart

Market Stats

Previous Close1,940.00

Open1,930.00

Day Range1,910.00 – 2,030.00

52-Week Range1,529.05 – 2,367.02

Volume1.05K

Market Cap229.65M

P/E (TTM)9.59

Forward P/E8.98

EPS1.97

Dividend Yield5.99%

Beta0.58

50-Day Avg1,965.70

200-Day Avg2,038.50

About

S&U plc, together with its subsidiaries, provides motor, property bridging, and specialist finance services in the United Kingdom. It operates through Motor Finance and Property Bridging Finance. The company was incorporated in 1938 and is based in Solihull, the United Kingdom.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Edward Henry Ahrens
Employees250
Headquarters2 Stratford Court, Solihull, United Kingdom, B90 4QT, UK
Websitehttps://suplc.co.uk

Leadership

Mr. Anthony Michael Vincent Coombs M.A., M.A. (Oxon)Chairman & MD · b. 1952
Mr. Jack Edward-Clifford Coombs A.C.A., M.A.Chief Operating Officer & Executive Director · b. 1987
Mr. Edward Henry AhrensCEO of Aspen Bridging & Executive Director · b. 1970
Mr. Chris Keith FreckeltonGroup Finance Director & Executive Director · b. 1989
Ms. Manjeet Kaur Bhogal A.C.M.A., CGMACompany Secretary
Mr. Karl Donald WernerChief Executive Officer of Advantage Finance & Executive Director · b. 1972

Financials

Income Statement

Currency: GBP	1987-01-31	1988-01-31	1989-01-31	1990-01-31	1991-01-31	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31

Currency: GBP	1987-01-31	1988-01-31	1989-01-31	1990-01-31	1991-01-31	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Total Revenue	37.76M	37.77M	38.08M	43.55M	46.30M	52.32M	52.95M	56.85M	61.79M	64.72M	60.52M	62.30M	64.83M	26.48M	31.89M	34.43M	35.00M	33.93M	50.71M	41.27M	42.80M	45.98M	46.18M	45.80M	48.02M	51.92M	54.55M	60.09M	34.42M	43.27M	58.82M	76.96M	78.43M	89.94M	83.76M	87.89M	102.71M	100.38M	97.49M	107.43M
Growth (%)	-	+0.05%	+0.80%	+14.37%	+6.33%	+13.00%	+1.21%	+7.37%	+8.69%	+4.74%	-6.49%	+2.95%	+4.06%	-59.16%	+20.44%	+7.96%	+1.64%	-3.05%	+49.47%	-18.61%	+3.68%	+7.44%	+0.44%	-0.84%	+4.85%	+8.13%	+5.07%	+10.16%	-42.72%	+25.71%	+35.94%	+30.85%	+1.90%	+14.68%	-6.87%	+4.93%	+16.87%	-2.28%	-2.87%	+10.19%
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	43.10M	3.21M	3.96M	3.65M	3.13M	3.06M	22.96M	13.14M	14.15M	15.69M	16.17M	16.03M	17.15M	17.87M	-	19.71M	12.54M	16.59M	25.07M	17.28M	16.16M	20.32M	14.78M	19.30M	24.20M	8.27M	17.98M	24.51M
Gross Profit	37.76M	37.77M	38.08M	43.55M	46.30M	52.32M	52.95M	56.85M	61.79M	64.72M	60.52M	62.30M	21.74M	23.27M	27.93M	30.78M	31.86M	30.87M	27.75M	28.13M	28.65M	30.28M	30.02M	29.77M	30.87M	34.05M	54.55M	60.09M	34.42M	26.68M	33.75M	59.68M	62.26M	69.62M	68.98M	68.59M	78.51M	92.11M	97.49M	82.92M
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	33.53%	87.86%	87.58%	89.39%	91.05%	90.97%	54.71%	68.16%	66.94%	65.87%	65.00%	65.00%	64.29%	65.58%	100.00%	100.00%	100.00%	61.66%	57.39%	77.54%	79.39%	77.40%	82.35%	78.04%	76.44%	91.76%	100.00%	77.18%
Operating Expense	36.00M	35.79M	35.81M	39.93M	42.09M	47.30M	47.66M	50.85M	55.42M	57.37M	53.14M	56.35M	15.67M	17.08M	19.48M	20.38M	23.07M	21.17M	16.68M	17.31M	18.18M	19.41M	19.89M	19.33M	19.94M	21.24M	39.88M	42.81M	19.66M	7.34M	8.59M	29.52M	27.70M	12.41M	10.59M	13.68M	15.73M	43.46M	35.21M	36.75M
Operating Income	1.75M	1.99M	2.26M	3.62M	4.21M	5.02M	5.30M	6.00M	6.37M	7.35M	7.38M	5.95M	6.07M	6.19M	8.45M	10.40M	8.79M	9.69M	11.07M	10.82M	10.47M	10.88M	10.13M	10.44M	10.93M	12.81M	14.67M	17.29M	14.76M	19.34M	25.17M	30.16M	34.56M	57.21M	58.39M	54.91M	62.78M	48.65M	62.28M	46.16M
Operating Margin	4.64%	5.26%	5.95%	8.31%	9.09%	9.60%	10.01%	10.56%	10.31%	11.35%	12.19%	9.56%	9.36%	23.37%	26.49%	30.20%	25.13%	28.57%	21.83%	26.21%	24.46%	23.65%	21.94%	22.79%	22.77%	24.68%	26.89%	28.76%	42.89%	44.69%	42.79%	39.19%	44.07%	63.61%	69.71%	62.48%	61.12%	48.46%	63.88%	42.97%
EBITDA	2.37M	2.48M	2.83M	4.32M	4.93M	5.76M	5.86M	6.69M	7.02M	7.94M	7.95M	7.55M	6.63M	6.84M	9.21M	11.10M	9.60M	10.54M	10.26M	9.80M	9.39M	9.35M	9.18M	10.89M	10.42M	12.87M	14.92M	17.88M	15.37M	19.90M	25.47M	30.46M	39.52M	40.44M	22.20M	51.32M	49.43M	49.14M	24.46M	46.65M
EBITDA Margin	6.28%	6.58%	7.44%	9.92%	10.66%	11.01%	11.07%	11.77%	11.37%	12.27%	13.13%	12.11%	10.22%	25.82%	28.87%	32.25%	27.42%	31.05%	20.22%	23.75%	21.93%	20.33%	19.88%	23.78%	21.70%	24.78%	27.36%	29.75%	44.66%	45.99%	43.30%	39.58%	50.39%	44.96%	26.51%	58.39%	48.12%	48.96%	25.09%	43.42%
Net Income	702.00K	1.07M	1.18M	1.86M	2.24M	2.85M	3.07M	3.76M	4.03M	4.59M	4.76M	4.91M	4.06M	4.25M	5.30M	6.43M	5.55M	6.33M	6.63M	6.48M	6.38M	6.11M	6.02M	6.62M	7.18M	9.08M	10.88M	13.33M	11.85M	15.89M	20.34M	24.41M	27.99M	28.88M	14.65M	37.98M	33.72M	25.44M	17.91M	23.71M
Net Income Margin	1.86%	2.84%	3.09%	4.27%	4.83%	5.46%	5.81%	6.61%	6.52%	7.09%	7.87%	7.89%	6.26%	16.05%	16.62%	18.68%	15.87%	18.64%	13.08%	15.70%	14.91%	13.28%	13.03%	14.46%	14.96%	17.48%	19.94%	22.18%	34.41%	36.71%	34.58%	31.72%	35.69%	32.11%	17.49%	43.22%	32.83%	25.34%	18.37%	22.07%
Interest Expense	510.00K	243.00K	372.00K	788.00K	775.00K	716.00K	646.00K	387.00K	317.00K	323.00K	248.00K	144.00K	227.00K	236.00K	946.00K	1.20M	1.17M	970.00K	1.36M	1.53M	1.59M	2.03M	1.74M	1.30M	937.00K	455.00K	440.00K	586.00K	1.54M	1.91M	1.70M	2.82M	4.54M	4.85M	3.61M	3.77M	7.50M	14.92M	18.12M	14.35M
Interest Expense % of Total Revenue	1.35%	0.64%	0.98%	1.81%	1.67%	1.37%	1.22%	0.68%	0.51%	0.50%	0.41%	0.23%	0.35%	0.89%	2.97%	3.49%	3.33%	2.86%	2.69%	3.71%	3.72%	4.42%	3.76%	2.83%	1.95%	0.88%	0.81%	0.98%	4.47%	4.42%	2.90%	3.66%	5.79%	5.39%	4.31%	4.29%	7.30%	14.87%	18.58%	13.36%

Balance Sheet

Currency: GBP	1987-01-31	1988-01-31	1989-01-31	1990-01-31	1991-01-31	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31

Currency: GBP	1987-01-31	1988-01-31	1989-01-31	1990-01-31	1991-01-31	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Total Assets	12.09M	12.19M	14.58M	16.16M	18.96M	22.48M	23.76M	26.21M	28.49M	31.33M	33.23M	32.57M	34.61M	43.03M	54.04M	63.29M	64.86M	68.06M	63.86M	68.63M	75.40M	78.00M	80.06M	80.22M	77.00M	79.75M	88.71M	109.95M	145.36M	165.56M	195.77M	265.19M	280.81M	306.08M	284.84M	327.23M	428.17M	466.85M	445.06M	501.22M
Total Liabilities	6.01M	5.50M	7.21M	7.57M	9.03M	10.71M	10.14M	10.21M	10.08M	10.36M	9.76M	7.95M	8.44M	15.23M	23.80M	29.94M	29.40M	29.83M	30.72M	31.14M	35.30M	35.71M	36.28M	33.40M	26.93M	24.89M	27.65M	40.54M	63.90M	37.30M	56.30M	112.38M	115.45M	126.61M	103.81M	120.48M	203.29M	232.68M	206.98M	252.22M
Total Equity	5.43M	6.05M	6.72M	7.95M	9.28M	11.11M	12.97M	15.35M	17.76M	20.32M	22.82M	23.96M	25.52M	27.15M	29.59M	32.70M	35.46M	38.23M	33.14M	37.49M	40.10M	42.28M	43.78M	46.82M	50.07M	54.86M	61.07M	69.41M	81.46M	128.26M	139.47M	152.82M	165.37M	179.47M	181.03M	206.75M	224.88M	234.16M	238.08M	249.00M
Cash	-	-	-	-	-	-	-	-	-	-	-	163.00K	1.00K	82.00K	156.00K	115.00K	106.00K	10.00K	14.00K	11.00K	5.00K	11.00K	12.00K	1.39M	292.00K	17.00K	9.00K	12.00K	935.00K	18.25M	4.00K	1.00K	1.00K	656.00K	1.00K	1.00K	3.14M	1.00K	5.22M	0
Total Debt	2.73M	2.06M	4.06M	4.99M	5.76M	6.43M	5.85M	5.89M	5.22M	5.15M	4.37M	3.68M	4.72M	10.02M	17.96M	23.29M	23.79M	23.61M	25.79M	28.21M	31.65M	31.28M	31.33M	28.01M	22.00M	18.81M	20.57M	32.35M	54.50M	30.60M	49.62M	105.44M	108.76M	119.18M	99.80M	114.44M	196.54M	225.25M	197.79M	241.98M
Net Debt	2.73M	2.06M	4.06M	4.99M	5.76M	6.43M	5.85M	5.89M	5.22M	5.15M	4.37M	3.51M	4.72M	9.94M	17.80M	23.18M	23.68M	23.60M	25.78M	28.20M	31.64M	31.27M	31.32M	26.62M	21.71M	18.79M	20.57M	32.34M	53.56M	12.35M	49.62M	105.44M	108.76M	118.53M	99.80M	114.43M	193.40M	225.25M	-5.22M	241.98M

Cash Flow

Currency: GBP	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31

Currency: GBP	1992-01-31	1993-01-31	1994-01-31	1995-01-31	1996-01-31	1997-01-31	1998-01-31	1999-01-31	2000-01-31	2001-01-31	2002-01-31	2003-01-31	2004-01-31	2005-01-31	2006-01-31	2007-01-31	2008-01-31	2009-01-31	2010-01-31	2011-01-31	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Operating Cash Flow	126.00K	907.00K	483.00K	1.37M	554.00K	1.24M	-344.00K	-640.00K	-4.52M	-7.40M	-4.74M	-258.00K	166.00K	1.78M	1.66M	634.00K	4.59M	3.85M	8.57M	9.34M	7.89M	3.85M	-5.41M	-13.40M	-16.02M	-27.43M	-43.42M	10.53M	4.95M	32.94M	-2.09M	-62.76M	-446.00K	64.99M	-35.81M
Investing Cash Flow	-739.00K	-386.00K	-525.00K	-699.00K	-480.00K	-460.00K	1.20M	-567.00K	-702.00K	-466.00K	-634.00K	-248.00K	-84.00K	-434.00K	-444.00K	3.01M	-2.41M	-5.69M	-4.22M	-367.00K	147.00K	-718.00K	-736.00K	-1.10M	80.72M	-308.00K	-1.04M	-785.00K	-265.00K	-1.11M	-284.00K	-660.00K	-189.00K	-685.00K	-839.00K
Financing Cash Flow	-	121.00K	-	-	-	-	-	-	-	10.00M	5.00M	-	-	-1.34M	-1.22M	-3.65M	-2.17M	1.83M	-2.97M	-10.07M	-8.32M	-3.14M	6.15M	15.42M	-47.38M	9.49M	44.45M	-9.74M	-4.03M	-32.48M	2.38M	66.56M	-2.50M	-59.09M	31.44M
Capital Expenditure	874.00K	494.00K	681.00K	813.00K	587.00K	551.00K	785.00K	633.00K	760.00K	692.00K	708.00K	707.00K	760.00K	567.00K	569.00K	666.00K	549.00K	1.62M	480.00K	408.00K	725.00K	795.00K	821.00K	1.13M	869.00K	361.00K	1.08M	830.00K	305.00K	1.22M	377.00K	826.00K	265.00K	726.00K	883.00K
Free Cash Flow	-748.00K	413.00K	-198.00K	557.00K	-33.00K	691.00K	-1.13M	-1.27M	-5.28M	-8.09M	-5.45M	-965.00K	-594.00K	1.21M	1.09M	-32.00K	4.04M	2.23M	8.09M	8.93M	7.17M	3.05M	-6.23M	-14.53M	-16.89M	-27.79M	-44.49M	9.70M	4.64M	31.73M	-2.47M	-63.59M	-711.00K	64.27M	-36.70M
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	3.36M	3.29M	3.52M	3.64M	3.65M	3.77M	3.77M	3.77M	4.07M	4.36M	4.92M	5.66M	6.73M	23.09M	9.55M	11.38M	13.08M	14.46M	13.10M	12.26M	15.55M	16.15M	13.96M	12.75M
FCF to OCF	-593.65%	45.53%	-40.99%	40.66%	-5.96%	55.64%	328.20%	198.91%	116.82%	109.35%	114.94%	374.03%	-357.83%	68.13%	65.66%	-5.05%	88.03%	57.97%	94.40%	95.63%	90.82%	79.34%	115.18%	108.43%	105.43%	101.32%	102.48%	92.12%	93.83%	96.31%	118.00%	101.32%	159.42%	98.88%	102.47%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-	-	-347.88%	-553.70%	290.51%	334.47%	-11406.25%	93.29%	168.74%	46.58%	45.60%	60.74%	161.28%	-90.94%	-46.33%	-136.74%	-34.36%	-25.57%	134.85%	311.59%	41.29%	-496.28%	-24.45%	-2272.01%	21.73%	-34.74%

Earnings

Report Date	Apr 15, 2016	Sep 27, 2016	Apr 13, 2017	Sep 26, 2017	Mar 26, 2018	Sep 25, 2018	Mar 26, 2019	Sep 24, 2019	Apr 8, 2020	Sep 30, 2020	Mar 30, 2021	Sep 28, 2021	Mar 29, 2022	Sep 27, 2022	Mar 28, 2023	Apr 15, 2025	May 9, 2025	Oct 9, 2025
EPS Estimate	0.00	0.00	92.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	0.00	0.00	0.00
EPS Actual	0.75	0.79	0.90	0.96	1.06	1.13	1.19	1.16	1.23	0.42	0.79	1.33	1.80	1.41	1.37	0.69	0.69	0.95
Surprise	-	-	-99.03%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	Pre-market	Pre-market	Pre-market	-	-	-

Key Statistics & Ratios

Market Cap229.65M

Enterprise Value416.39M

Trailing P/E9.59

Forward P/E8.98

PEG Ratio0.45

Price / Sales2.87

Price / Book0.96

EPS1.97

Book Value20.48

Revenue (TTM)80.05M

Gross Profit (TTM)56.50M

Profit Margin29.62%

Operating Margin37.75%

Return on Equity9.74%

Return on Assets5.01%

Shares Outstanding12.15M

Shares Float3.66M

Beta0.58

Dividend Yield5.99%

Dividend Rate1.15

Payout Ratio58.52%

Dividends

20262×

0.45Jul 2, 20260.35Feb 19, 2026

20253×

0.35Oct 30, 20250.40Jul 3, 20250.30Feb 13, 2025

20243×

0.30Oct 31, 20240.50Jun 20, 20240.35Feb 15, 2024

20233×

0.35Nov 2, 20230.60Jun 15, 20230.38Feb 16, 2023

20223×

0.35Nov 3, 20220.57Jun 16, 20220.36Feb 17, 2022

20213×

0.33Oct 28, 20210.43Jun 17, 20210.25Feb 18, 2021

20203×

0.22Oct 29, 20200.50Jun 18, 20200.36Feb 20, 2020

20193×

0.34Oct 24, 20190.51Jun 20, 20190.35Feb 21, 2019

20181×

0.32Oct 25, 2018

Stock Splits

Jun 9, 199411:10
Jun 11, 199211:10