Buy Or Sell Opportunity • Jul 10
Now 21% undervalued The 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 03
Chairman & MD recently sold €57k worth of stock On 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 25
Upcoming dividend of UK£0.45 per share Eligible 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 14
Chairman & MD recently sold €88k worth of stock On 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 20
Dividend of UK£0.45 announced Shareholders 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 20
Less than half of directors are independent No 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. Aankondiging • Apr 22
S&U plc, Annual General Meeting, Jun 24, 2026 S&U plc, Annual General Meeting, Jun 24, 2026. Aankondiging • Feb 11
S&U plc Proposes Second Interim Dividend, Payable on 6 March 2026 S&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. Board Change • Dec 30
Less than half of directors are independent There 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. Aankondiging • Apr 17
S&U plc to Report First Half, 2026 Results on Oct 09, 2025 S&U plc announced that they will report first half, 2026 results on Oct 09, 2025 Aankondiging • Feb 11
S&U plc Proposes Second Interim Dividend for the Fiscal Year 2025, Payable on March 7, 2025 S&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 15
Investor 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 01
Investor 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 25
Upcoming dividend of UK£0.30 per share Eligible 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%). Aankondiging • Oct 23
S&U plc to Report Fiscal Year 2025 Results on Apr 15, 2025 S&U plc announced that they will report fiscal year 2025 results on Apr 15, 2025 Valuation Update With 7 Day Price Move • Oct 17
Investor 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 11
Dividend of UK£0.30 announced Shareholders 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. Aankondiging • Oct 08
S&U plc Announces First Interim Dividend, Payable on 22 November, 2024 The 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 13
Upcoming dividend of UK£0.50 per share Eligible 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%). Aankondiging • Apr 11
S&U plc Proposes Final Dividend, Payable on 12 July 2024 S&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 11
Dividend of UK£0.50 announced Shareholders 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. Aankondiging • Feb 09
S&U plc Announces Second Interim Dividend, Payable on 8 March, 2024 S&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 14
Chairman & MD recently sold €166k worth of stock On 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 03
Deputy Chairman of the Board recently bought €54k worth of stock On 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 26
Upcoming dividend of UK£0.35 per share at 6.3% yield Eligible 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%). Aankondiging • Oct 05
S&U plc, Annual General Meeting, Jun 06, 2024 S&U plc, Annual General Meeting, Jun 06, 2024. Aankondiging • Aug 10
S&U plc Announces Board Changes S&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 08
Upcoming dividend of UK£0.60 per share at 5.5% yield Eligible 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 29
Group Financial Director recently sold €151k worth of stock On 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 27
Chairman & MD recently sold €407k worth of stock On 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. Aankondiging • Feb 15
S&U plc Appoints Ed Ahrens as Executive Director S&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. Aankondiging • Feb 09
S&U plc Proposes Second Interim Dividend, Payable on March 10, 2023 S&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 16
Less than half of directors are independent Following 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 27
Upcoming dividend of UK£0.35 per share Eligible 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%). Aankondiging • Aug 12
S&U plc to Report Fiscal Year 2023 Results on Mar 28, 2023 S&U plc announced that they will report fiscal year 2023 results on Mar 28, 2023 Upcoming Dividend • Jun 09
Upcoming dividend of UK£0.57 per share Eligible 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 27
Less than half of directors are independent Following 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 18
Chairman & MD recently sold €485k worth of stock On 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 21
Upcoming dividend of UK£0.33 per share Eligible 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 08
Group Financial Director recently sold €68k worth of stock On 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 27
Chairman & MD recently sold €116k worth of stock On 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 27
Non-Executive Director has left the company On 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. 
