View Future GrowthS&U 과거 순이익 실적과거 기준 점검 3/6S&U의 수입은 연평균 -7.7%의 비율로 감소해 온 반면, Consumer Finance 산업은 수입이 연평균 18.7% 증가했습니다. 매출은 연평균 3.8%의 비율로 감소해 왔습니다. S&U의 자기자본이익률은 9.5%이고 순이익률은 29.6%입니다.핵심 정보-7.70%순이익 성장률-7.72%주당순이익(EPS) 성장률Consumer Finance 산업 성장률9.83%매출 성장률-3.77%자기자본이익률9.52%순이익률29.62%다음 순이익 업데이트29 Sep 2026최근 과거 실적 업데이트공고 • Feb 06+ 1 more updateS&U plc to Report First Half, 2027 Results on Sep 29, 2026S&U plc announced that they will report first half, 2027 results on Sep 29, 2026공고 • Apr 17S&U plc to Report First Half, 2026 Results on Oct 09, 2025S&U plc announced that they will report first half, 2026 results on Oct 09, 2025공고 • Oct 23S&U plc to Report Fiscal Year 2025 Results on Apr 15, 2025S&U plc announced that they will report fiscal year 2025 results on Apr 15, 2025공고 • Oct 06+ 1 more updateS&U plc to Report Fiscal Year 2024 Results on Apr 09, 2024S&U plc announced that they will report fiscal year 2024 results on Apr 09, 2024공고 • Aug 12S&U plc to Report Fiscal Year 2023 Results on Mar 28, 2023S&U plc announced that they will report fiscal year 2023 results on Mar 28, 2023모든 업데이트 보기Recent updatesBuy Or Sell Opportunity • Aug 10Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.6% to €22.40. The fair value is estimated to be €28.08, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.7% over the last 3 years. Earnings per share has declined by 20%. Revenue is forecast to grow by 81% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.공고 • Aug 05S & U plc Announces Resignation of Graham Wheeler from Director Role, Effective August 3, 2026S & U PLC announced that, following the acquisition by Hodge Bank, of which he is a director, of Blue Motor Finance which operates in the same sector as Advantage Finance, an S & U PLC subsidiary, and to avoid any possible conflict of interest, Graham Wheeler had tendered his resignation from the S & U board with immediate effect on August 3, 2026. Graham Wheeler served as Chief Executive of Advantage Motor Finance and then as a non-executive director.Buy Or Sell Opportunity • Jul 10Now 21% undervaluedThe stock has been flat over the last 90 days, currently trading at €22.60. The fair value is estimated to be €28.67, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.7% over the last 3 years. Earnings per share has declined by 20%. Revenue is forecast to grow by 81% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.Recent Insider Transactions • Jul 03Chairman & MD recently sold €57k worth of stockOn the 1st of July, Anthony Michael Coombs sold around 3k shares on-market at roughly €22.68 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €116k. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €261k.Upcoming Dividend • Jun 25Upcoming dividend of UK£0.45 per shareEligible shareholders must have bought the stock before 02 July 2026. Payment date: 24 July 2026. Payout ratio is a comfortable 59% but the company is not cash flow positive. Trailing yield: 5.8%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (4.0%).Recent Insider Transactions • Jun 14Chairman & MD recently sold €88k worth of stockOn the 12th of June, Anthony Michael Coombs sold around 4k shares on-market at roughly €22.09 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €116k. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €204k.Declared Dividend • May 20Dividend of UK£0.45 announcedShareholders will receive a dividend of UK£0.45. Ex-date: 2nd July 2026 Payment date: 24th July 2026 Dividend yield will be 5.8%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (3% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 4.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 45% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Board Change • May 20Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 4 highly experienced directors. 3 independent directors (5 non-independent directors). Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.공고 • Apr 22S&U plc, Annual General Meeting, Jun 24, 2026S&U plc, Annual General Meeting, Jun 24, 2026.공고 • Feb 11S&U plc Proposes Second Interim Dividend, Payable on 6 March 2026S&U plc announced it proposed a second interim dividend of 35 pence per share (2025: 30 pence per share) payable on 6 March 2026 to shareholders on the register on 20 February 2026.공고 • Feb 06+ 1 more updateS&U plc to Report First Half, 2027 Results on Sep 29, 2026S&U plc announced that they will report first half, 2027 results on Sep 29, 2026Board Change • Dec 30Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 3 experienced directors. 4 highly experienced directors. 3 independent directors (5 non-independent directors). Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.공고 • Apr 17S&U plc to Report First Half, 2026 Results on Oct 09, 2025S&U plc announced that they will report first half, 2026 results on Oct 09, 2025공고 • Apr 15+ 1 more updateS&U plc, Annual General Meeting, Jun 18, 2025S&U plc, Annual General Meeting, Jun 18, 2025.공고 • Feb 11S&U plc Proposes Second Interim Dividend for the Fiscal Year 2025, Payable on March 7, 2025S&U's dividend policy has always had three aims. First, the close alignment of interest between management and shareholders, reflecting sustainable growth and a conservative approach to gearing. Second, the company has satisfy shareholders' appetite for yield in a narrow trading market. Third, the company has take a sensible but ambitious view of S&U's prospects. Thus, despite this year's hiatus in profit growth, the company has propose that the second interim dividend should be 30 pence per share (2024: 35 pence), payable on 7 March 2025 to shareholders on the register on 17 February 2025.Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €14.80, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 45% over the past three years.Valuation Update With 7 Day Price Move • Nov 01Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €19.20, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 29% over the past three years.Upcoming Dividend • Oct 25Upcoming dividend of UK£0.30 per shareEligible shareholders must have bought the stock before 31 October 2024. Payment date: 22 November 2024. Payout ratio is a comfortable 74% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (4.9%). Higher than average of industry peers (4.3%).공고 • Oct 23S&U plc to Report Fiscal Year 2025 Results on Apr 15, 2025S&U plc announced that they will report fiscal year 2025 results on Apr 15, 2025Valuation Update With 7 Day Price Move • Oct 17Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €22.80, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 17% over the past three years.Declared Dividend • Oct 11Dividend of UK£0.30 announcedShareholders will receive a dividend of UK£0.30. Ex-date: 31st October 2024 Payment date: 22nd November 2024 Dividend yield will be 6.6%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (74% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 8.3% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 88% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공고 • Oct 08S&U plc Announces First Interim Dividend, Payable on 22 November, 2024The board of S&U plc conclude that the first of three dividend payments this year will be 30p per share (2023: 35p). The first dividend will be paid on 22 November, 2024 to shareholders on the register on 1 November, 2024.Upcoming Dividend • Jun 13Upcoming dividend of UK£0.50 per shareEligible shareholders must have bought the stock before 20 June 2024. Payment date: 12 July 2024. Payout ratio is a comfortable 57% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (4.5%). Higher than average of industry peers (4.4%).공고 • Apr 11S&U plc Proposes Final Dividend, Payable on 12 July 2024S&U plc announced subject to the approval of shareholders at its AGM on 6 June 2024, the board proposes a final dividend of 50 pence per ordinary share (2023: 60 pence). This will be paid on 12 July 2024 to the shareholders on the register on 21 June 2024. Total dividends for the year will then be 120 pence per share (2023: 133 pence).Declared Dividend • Apr 11Dividend of UK£0.50 announcedShareholders will receive a dividend of UK£0.50. Ex-date: 20th June 2024 Payment date: 12th July 2024 Dividend yield will be 6.4%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (57% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 10% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 47% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공고 • Feb 09S&U plc Announces Second Interim Dividend, Payable on 8 March, 2024S&U plc announced second interim dividend should be 35p (2023: 38p), payable on 8 March, 2024 to shareholders on the register on 16th February.Recent Insider Transactions • Jan 14Chairman & MD recently sold €166k worth of stockOn the 10th of January, Anthony Michael Coombs sold around 7k shares on-market at roughly €25.60 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €1.7m.Recent Insider Transactions • Nov 03Deputy Chairman of the Board recently bought €54k worth of stockOn the 27th of October, Graham Derek Coombs bought around 2k shares on-market at roughly €23.97 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Graham Derek's only on-market trade for the last 12 months.Upcoming Dividend • Oct 26Upcoming dividend of UK£0.35 per share at 6.3% yieldEligible shareholders must have bought the stock before 02 November 2023. Payment date: 24 November 2023. Payout ratio is a comfortable 49% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (5.1%). In line with average of industry peers (6.9%).공고 • Oct 06+ 1 more updateS&U plc to Report Fiscal Year 2024 Results on Apr 09, 2024S&U plc announced that they will report fiscal year 2024 results on Apr 09, 2024공고 • Oct 05S&U plc, Annual General Meeting, Jun 06, 2024S&U plc, Annual General Meeting, Jun 06, 2024.공고 • Aug 10S&U plc Announces Board ChangesS&U plc announced that following a period of illness, Demetrios Markou, Non-Executive Director and Chairman of the S&U Audit Committee, has announced his intention to resign at October Board meeting. It has been provisionally agreed that Non-Executive Director, Graham Pedersen, will take his place as Audit Committee Chairman.Upcoming Dividend • Jun 08Upcoming dividend of UK£0.60 per share at 5.5% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 07 July 2023. Payout ratio is a comfortable 48% but the company is not cash flow positive. Trailing yield: 5.5%. Within top quartile of German dividend payers (4.6%). Higher than average of industry peers (4.7%).Recent Insider Transactions • May 29Group Financial Director recently sold €151k worth of stockOn the 26th of May, Christopher Redford sold around 5k shares on-market at roughly €28.56 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €407k. This was Christopher's only on-market trade for the last 12 months.Recent Insider Transactions • Apr 27Chairman & MD recently sold €407k worth of stockOn the 25th of April, Anthony Michael Coombs sold around 15k shares on-market at roughly €27.11 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Anthony Michael's only on-market trade for the last 12 months.공고 • Feb 15S&U plc Appoints Ed Ahrens as Executive DirectorS&U announced the appointment of Ed Ahrens as an executive director of S&U plc with immediate effect. Ed has successfully led property bridging business since it was set up in early 2017 to provide sensible diversification for the group within the speciality finance sector. Ed first joined the S&U group in 2014 bringing with him strong relevant expertise in the finance sector having started his career at Abbey National and having worked in senior roles for Barclays, AIB and Vanquis Bank.공고 • Feb 09S&U plc Proposes Second Interim Dividend, Payable on March 10, 2023S&U plc proposed a second interim dividend of 38 pence per ordinary share (2022: 36 pence), payable on 10 March to shareholders on the register on 17 February.Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Oct 27Upcoming dividend of UK£0.35 per shareEligible shareholders must have bought the stock before 03 November 2022. Payment date: 25 November 2022. Payout ratio is a comfortable 40% but the company is not cash flow positive. Trailing yield: 6.0%. Within top quartile of German dividend payers (5.0%). Higher than average of industry peers (5.1%).공고 • Aug 12S&U plc to Report Fiscal Year 2023 Results on Mar 28, 2023S&U plc announced that they will report fiscal year 2023 results on Mar 28, 2023Upcoming Dividend • Jun 09Upcoming dividend of UK£0.57 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 08 July 2022. Payout ratio is a comfortable 40% but the company is not cash flow positive. Trailing yield: 5.5%. Within top quartile of German dividend payers (4.2%). Higher than average of industry peers (4.4%).Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 6 non-independent directors. Independent Non-Executive Director Tarek Khlat was the last independent director to join the board, commencing their role in 2016. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Recent Insider Transactions • Jan 18Chairman & MD recently sold €485k worth of stockOn the 17th of January, Anthony Michael Coombs sold around 15k shares on-market at roughly €32.32 per share. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a seller over the last 12 months, reducing personal holdings by €598k.Upcoming Dividend • Oct 21Upcoming dividend of UK£0.33 per shareEligible shareholders must have bought the stock before 28 October 2021. Payment date: 19 November 2021. Trailing yield: 3.4%. Within top quartile of German dividend payers (3.2%). In line with average of industry peers (3.6%).Recent Insider Transactions • Oct 08Group Financial Director recently sold €68k worth of stockOn the 5th of October, Christopher Redford sold around 2k shares on-market at roughly €33.85 per share. In the last 3 months, there was an even bigger sale from another insider worth €116k. Christopher has been a seller over the last 12 months, reducing personal holdings by €136k.Recent Insider Transactions • Jul 27Chairman & MD recently sold €116k worth of stockOn the 23rd of July, Anthony Michael Coombs sold around 4k shares on-market at roughly €31.06 per share. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a seller over the last 12 months, reducing personal holdings by €113k.Executive Departure • May 27Non-Executive Director has left the companyOn the 20th of May, Fiann Coombs' tenure in the role of Non-Executive Director ended. As of March 2021, Fiann personally held 283.55k shares (€7.3m worth at the time). Fiann is the only executive to leave the company over the last 12 months.매출 및 비용 세부 내역S&U가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이DB:97V 매출, 비용 및 순이익 (GBP Millions)날짜매출순이익일반관리비연구개발비05 Feb 26802425005 Nov 25742223005 Aug 25672021005 May 25641920031 Jan 25621819031 Oct 24641819031 Jul 24671919030 Apr 24712220031 Jan 24762520031 Oct 23792919031 Jul 23823318030 Apr 23823317031 Jan 23813416031 Oct 22803616031 Jul 22793915030 Apr 22803815031 Jan 22803814031 Oct 21803213031 Jul 21802612030 Apr 21802012031 Jan 21801511031 Oct 20821712031 Jul 20842012030 Apr 20852412031 Jan 20852913031 Oct 19822913031 Jul 19782812030 Apr 19782812031 Jan 19782811031 Oct 18812711031 Jul 18832611030 Apr 18802510031 Jan 18772410031 Oct 17722310031 Jul 1768229030 Apr 1763219031 Jan 1759209031 Jul 1652188030 Apr 1647178031 Jan 16431670양질의 수익: 97V는 고품질 수익을 보유하고 있습니다.이익 마진 증가: 97V의 현재 순 이익률 (29.6%)은 지난해 (29%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 97V의 수익은 지난 5년 동안 연평균 7.7% 감소했습니다.성장 가속화: 지난 1년간 97V 의 수익 증가율(32%)은 연간 평균(-7.7%)을 초과합니다.수익 대 산업: 97V의 지난 1년 수익 증가율(32%)은 Consumer Finance 업계 평균(46.2%)을 능가하지 못했습니다.자기자본이익률높은 ROE: 97V의 자본 수익률(9.5%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YDiversified-financials 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/08/24 00:01종가2026/08/24 00:00수익2026/02/05연간 수익2026/02/05데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스S&U plc는 11명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Robert ChantryBerenbergJames AllenBerenbergRobin SavageCanaccord Genuity8명의 분석가 더 보기
공고 • Feb 06+ 1 more updateS&U plc to Report First Half, 2027 Results on Sep 29, 2026S&U plc announced that they will report first half, 2027 results on Sep 29, 2026
공고 • Apr 17S&U plc to Report First Half, 2026 Results on Oct 09, 2025S&U plc announced that they will report first half, 2026 results on Oct 09, 2025
공고 • Oct 23S&U plc to Report Fiscal Year 2025 Results on Apr 15, 2025S&U plc announced that they will report fiscal year 2025 results on Apr 15, 2025
공고 • Oct 06+ 1 more updateS&U plc to Report Fiscal Year 2024 Results on Apr 09, 2024S&U plc announced that they will report fiscal year 2024 results on Apr 09, 2024
공고 • Aug 12S&U plc to Report Fiscal Year 2023 Results on Mar 28, 2023S&U plc announced that they will report fiscal year 2023 results on Mar 28, 2023
Buy Or Sell Opportunity • Aug 10Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.6% to €22.40. The fair value is estimated to be €28.08, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.7% over the last 3 years. Earnings per share has declined by 20%. Revenue is forecast to grow by 81% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.
공고 • Aug 05S & U plc Announces Resignation of Graham Wheeler from Director Role, Effective August 3, 2026S & U PLC announced that, following the acquisition by Hodge Bank, of which he is a director, of Blue Motor Finance which operates in the same sector as Advantage Finance, an S & U PLC subsidiary, and to avoid any possible conflict of interest, Graham Wheeler had tendered his resignation from the S & U board with immediate effect on August 3, 2026. Graham Wheeler served as Chief Executive of Advantage Motor Finance and then as a non-executive director.
Buy Or Sell Opportunity • Jul 10Now 21% undervaluedThe stock has been flat over the last 90 days, currently trading at €22.60. The fair value is estimated to be €28.67, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.7% over the last 3 years. Earnings per share has declined by 20%. Revenue is forecast to grow by 81% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.
Recent Insider Transactions • Jul 03Chairman & MD recently sold €57k worth of stockOn the 1st of July, Anthony Michael Coombs sold around 3k shares on-market at roughly €22.68 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €116k. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €261k.
Upcoming Dividend • Jun 25Upcoming dividend of UK£0.45 per shareEligible shareholders must have bought the stock before 02 July 2026. Payment date: 24 July 2026. Payout ratio is a comfortable 59% but the company is not cash flow positive. Trailing yield: 5.8%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (4.0%).
Recent Insider Transactions • Jun 14Chairman & MD recently sold €88k worth of stockOn the 12th of June, Anthony Michael Coombs sold around 4k shares on-market at roughly €22.09 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €116k. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €204k.
Declared Dividend • May 20Dividend of UK£0.45 announcedShareholders will receive a dividend of UK£0.45. Ex-date: 2nd July 2026 Payment date: 24th July 2026 Dividend yield will be 5.8%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (3% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 4.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 45% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Board Change • May 20Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 4 highly experienced directors. 3 independent directors (5 non-independent directors). Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
공고 • Apr 22S&U plc, Annual General Meeting, Jun 24, 2026S&U plc, Annual General Meeting, Jun 24, 2026.
공고 • Feb 11S&U plc Proposes Second Interim Dividend, Payable on 6 March 2026S&U plc announced it proposed a second interim dividend of 35 pence per share (2025: 30 pence per share) payable on 6 March 2026 to shareholders on the register on 20 February 2026.
공고 • Feb 06+ 1 more updateS&U plc to Report First Half, 2027 Results on Sep 29, 2026S&U plc announced that they will report first half, 2027 results on Sep 29, 2026
Board Change • Dec 30Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 3 experienced directors. 4 highly experienced directors. 3 independent directors (5 non-independent directors). Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
공고 • Apr 17S&U plc to Report First Half, 2026 Results on Oct 09, 2025S&U plc announced that they will report first half, 2026 results on Oct 09, 2025
공고 • Apr 15+ 1 more updateS&U plc, Annual General Meeting, Jun 18, 2025S&U plc, Annual General Meeting, Jun 18, 2025.
공고 • Feb 11S&U plc Proposes Second Interim Dividend for the Fiscal Year 2025, Payable on March 7, 2025S&U's dividend policy has always had three aims. First, the close alignment of interest between management and shareholders, reflecting sustainable growth and a conservative approach to gearing. Second, the company has satisfy shareholders' appetite for yield in a narrow trading market. Third, the company has take a sensible but ambitious view of S&U's prospects. Thus, despite this year's hiatus in profit growth, the company has propose that the second interim dividend should be 30 pence per share (2024: 35 pence), payable on 7 March 2025 to shareholders on the register on 17 February 2025.
Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €14.80, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 45% over the past three years.
Valuation Update With 7 Day Price Move • Nov 01Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €19.20, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 29% over the past three years.
Upcoming Dividend • Oct 25Upcoming dividend of UK£0.30 per shareEligible shareholders must have bought the stock before 31 October 2024. Payment date: 22 November 2024. Payout ratio is a comfortable 74% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (4.9%). Higher than average of industry peers (4.3%).
공고 • Oct 23S&U plc to Report Fiscal Year 2025 Results on Apr 15, 2025S&U plc announced that they will report fiscal year 2025 results on Apr 15, 2025
Valuation Update With 7 Day Price Move • Oct 17Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €22.80, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 17% over the past three years.
Declared Dividend • Oct 11Dividend of UK£0.30 announcedShareholders will receive a dividend of UK£0.30. Ex-date: 31st October 2024 Payment date: 22nd November 2024 Dividend yield will be 6.6%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (74% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 8.3% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 88% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공고 • Oct 08S&U plc Announces First Interim Dividend, Payable on 22 November, 2024The board of S&U plc conclude that the first of three dividend payments this year will be 30p per share (2023: 35p). The first dividend will be paid on 22 November, 2024 to shareholders on the register on 1 November, 2024.
Upcoming Dividend • Jun 13Upcoming dividend of UK£0.50 per shareEligible shareholders must have bought the stock before 20 June 2024. Payment date: 12 July 2024. Payout ratio is a comfortable 57% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (4.5%). Higher than average of industry peers (4.4%).
공고 • Apr 11S&U plc Proposes Final Dividend, Payable on 12 July 2024S&U plc announced subject to the approval of shareholders at its AGM on 6 June 2024, the board proposes a final dividend of 50 pence per ordinary share (2023: 60 pence). This will be paid on 12 July 2024 to the shareholders on the register on 21 June 2024. Total dividends for the year will then be 120 pence per share (2023: 133 pence).
Declared Dividend • Apr 11Dividend of UK£0.50 announcedShareholders will receive a dividend of UK£0.50. Ex-date: 20th June 2024 Payment date: 12th July 2024 Dividend yield will be 6.4%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (57% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 10% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 47% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공고 • Feb 09S&U plc Announces Second Interim Dividend, Payable on 8 March, 2024S&U plc announced second interim dividend should be 35p (2023: 38p), payable on 8 March, 2024 to shareholders on the register on 16th February.
Recent Insider Transactions • Jan 14Chairman & MD recently sold €166k worth of stockOn the 10th of January, Anthony Michael Coombs sold around 7k shares on-market at roughly €25.60 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a net seller over the last 12 months, reducing personal holdings by €1.7m.
Recent Insider Transactions • Nov 03Deputy Chairman of the Board recently bought €54k worth of stockOn the 27th of October, Graham Derek Coombs bought around 2k shares on-market at roughly €23.97 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Graham Derek's only on-market trade for the last 12 months.
Upcoming Dividend • Oct 26Upcoming dividend of UK£0.35 per share at 6.3% yieldEligible shareholders must have bought the stock before 02 November 2023. Payment date: 24 November 2023. Payout ratio is a comfortable 49% but the company is not cash flow positive. Trailing yield: 6.3%. Within top quartile of German dividend payers (5.1%). In line with average of industry peers (6.9%).
공고 • Oct 06+ 1 more updateS&U plc to Report Fiscal Year 2024 Results on Apr 09, 2024S&U plc announced that they will report fiscal year 2024 results on Apr 09, 2024
공고 • Oct 05S&U plc, Annual General Meeting, Jun 06, 2024S&U plc, Annual General Meeting, Jun 06, 2024.
공고 • Aug 10S&U plc Announces Board ChangesS&U plc announced that following a period of illness, Demetrios Markou, Non-Executive Director and Chairman of the S&U Audit Committee, has announced his intention to resign at October Board meeting. It has been provisionally agreed that Non-Executive Director, Graham Pedersen, will take his place as Audit Committee Chairman.
Upcoming Dividend • Jun 08Upcoming dividend of UK£0.60 per share at 5.5% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 07 July 2023. Payout ratio is a comfortable 48% but the company is not cash flow positive. Trailing yield: 5.5%. Within top quartile of German dividend payers (4.6%). Higher than average of industry peers (4.7%).
Recent Insider Transactions • May 29Group Financial Director recently sold €151k worth of stockOn the 26th of May, Christopher Redford sold around 5k shares on-market at roughly €28.56 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €407k. This was Christopher's only on-market trade for the last 12 months.
Recent Insider Transactions • Apr 27Chairman & MD recently sold €407k worth of stockOn the 25th of April, Anthony Michael Coombs sold around 15k shares on-market at roughly €27.11 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Anthony Michael's only on-market trade for the last 12 months.
공고 • Feb 15S&U plc Appoints Ed Ahrens as Executive DirectorS&U announced the appointment of Ed Ahrens as an executive director of S&U plc with immediate effect. Ed has successfully led property bridging business since it was set up in early 2017 to provide sensible diversification for the group within the speciality finance sector. Ed first joined the S&U group in 2014 bringing with him strong relevant expertise in the finance sector having started his career at Abbey National and having worked in senior roles for Barclays, AIB and Vanquis Bank.
공고 • Feb 09S&U plc Proposes Second Interim Dividend, Payable on March 10, 2023S&U plc proposed a second interim dividend of 38 pence per ordinary share (2022: 36 pence), payable on 10 March to shareholders on the register on 17 February.
Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Non-Executive Director Jeremy Maxwell was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Oct 27Upcoming dividend of UK£0.35 per shareEligible shareholders must have bought the stock before 03 November 2022. Payment date: 25 November 2022. Payout ratio is a comfortable 40% but the company is not cash flow positive. Trailing yield: 6.0%. Within top quartile of German dividend payers (5.0%). Higher than average of industry peers (5.1%).
공고 • Aug 12S&U plc to Report Fiscal Year 2023 Results on Mar 28, 2023S&U plc announced that they will report fiscal year 2023 results on Mar 28, 2023
Upcoming Dividend • Jun 09Upcoming dividend of UK£0.57 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 08 July 2022. Payout ratio is a comfortable 40% but the company is not cash flow positive. Trailing yield: 5.5%. Within top quartile of German dividend payers (4.2%). Higher than average of industry peers (4.4%).
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 6 non-independent directors. Independent Non-Executive Director Tarek Khlat was the last independent director to join the board, commencing their role in 2016. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions • Jan 18Chairman & MD recently sold €485k worth of stockOn the 17th of January, Anthony Michael Coombs sold around 15k shares on-market at roughly €32.32 per share. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a seller over the last 12 months, reducing personal holdings by €598k.
Upcoming Dividend • Oct 21Upcoming dividend of UK£0.33 per shareEligible shareholders must have bought the stock before 28 October 2021. Payment date: 19 November 2021. Trailing yield: 3.4%. Within top quartile of German dividend payers (3.2%). In line with average of industry peers (3.6%).
Recent Insider Transactions • Oct 08Group Financial Director recently sold €68k worth of stockOn the 5th of October, Christopher Redford sold around 2k shares on-market at roughly €33.85 per share. In the last 3 months, there was an even bigger sale from another insider worth €116k. Christopher has been a seller over the last 12 months, reducing personal holdings by €136k.
Recent Insider Transactions • Jul 27Chairman & MD recently sold €116k worth of stockOn the 23rd of July, Anthony Michael Coombs sold around 4k shares on-market at roughly €31.06 per share. This was the largest sale by an insider in the last 3 months. Anthony Michael has been a seller over the last 12 months, reducing personal holdings by €113k.
Executive Departure • May 27Non-Executive Director has left the companyOn the 20th of May, Fiann Coombs' tenure in the role of Non-Executive Director ended. As of March 2021, Fiann personally held 283.55k shares (€7.3m worth at the time). Fiann is the only executive to leave the company over the last 12 months.