SUSL Stock Overview

Provides motor, property bridging, and specialist finance services in the United Kingdom. More details

SUSL fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	4/6
Past Performance	1/6
Financial Health	3/6
Dividends	5/6

Rewards

Trading at 63.1% below our estimate of its fair value

Earnings are forecast to grow 19.23% per year

Risk Analysis

Has a high level of debt

Unstable dividend track record

Community vs My Fair Value

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S&U plc Competitors

Multitude

LSE:0R4W

€130.0m

H&T Group

AIM:HAT

UK£196.5m

ASA International Group

LSE:ASAI

UK£104.0m

International Personal Finance

LSE:IPF

UK£322.9m

Price History & Performance

Summary of share price highs, lows and changes for S&U
Historical stock prices
Current Share Price	UK£14.60
52 Week High	UK£20.60
52 Week Low	UK£12.50
Beta	0.44
1 Month Change	5.23%
3 Month Change	-8.75%
1 Year Change	-25.51%
3 Year Change	-35.96%
5 Year Change	-6.71%
Change since IPO	-28.78%

Recent updates

Shareholder Returns

	SUSL	GB Consumer Finance	GB Market
7D	0.7%	3.8%	-0.3%
1Y	-25.5%	22.3%	-0.7%

Return vs Industry: SUSL underperformed the UK Consumer Finance industry which returned 22.3% over the past year.

Return vs Market: SUSL underperformed the UK Market which returned -0.7% over the past year.

Price Volatility

Is SUSL's price volatile compared to industry and market?
SUSL volatility
SUSL Average Weekly Movement	7.6%
Consumer Finance Industry Average Movement	5.8%
Market Average Movement	5.8%
10% most volatile stocks in GB Market	11.0%
10% least volatile stocks in GB Market	3.2%

Stable Share Price: SUSL has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: SUSL's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1938	239	Anthony Michael Coombs	www.suplc.co.uk

S&U plc provides motor, property bridging, and specialist finance services in the United Kingdom. The company was incorporated in 1938 and is headquartered in Solihull, the United Kingdom.

S&U plc Fundamentals Summary

How do S&U's earnings and revenue compare to its market cap?
SUSL fundamental statistics
Market cap	UK£185.30m
Earnings (TTM)	UK£17.91m
Revenue (TTM)	UK£61.92m

10.3x

P/E Ratio

3.0x

P/S Ratio

Is SUSL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SUSL income statement (TTM)
Revenue	UK£61.92m
Cost of Revenue	UK£16.38m
Gross Profit	UK£45.54m
Other Expenses	UK£27.63m
Earnings	UK£17.91m

Last Reported Earnings

Jan 31, 2025

Next Earnings Date

Oct 09, 2025

Earnings per share (EPS)	1.47
Gross Margin	73.54%
Net Profit Margin	28.93%
Debt/Equity Ratio	83.1%

How did SUSL perform over the long term?

See historical performance and comparison

Dividends

6.6%

Current Dividend Yield

68%

Payout Ratio

Does SUSL pay a reliable dividends?

See SUSL dividend history and benchmarks

When do you need to buy SUSL by to receive an upcoming dividend?
S&U dividend dates
Ex Dividend Date	Jul 03 2025
Dividend Pay Date	Jul 25 2025
Days until Ex dividend	52 days
Days until Dividend pay date	74 days

Does SUSL pay a reliable dividends?

See SUSL dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/11 17:13
End of Day Share Price	2025/05/09 00:00
Earnings	2025/01/31
Annual Earnings	2025/01/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

S&U plc is covered by 13 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Benjamin Thefaut	Arden Partners Plc.
Alexander Bowers	Berenberg
Robin Savage	Canaccord Genuity