Market Cap
UK£216.0m
Last Updated
2020/12/01 19:07 UTC
Data Sources
Company Financials +
Executive Summary
S&U plc provides motor and property bridging finance services. More Details
Rewards
Risk Analysis
Snowflake Analysis
6 star dividend payer and good value.
Similar Companies
Share Price & News
How has S&U's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SUS is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: SUS's weekly volatility (6%) has been stable over the past year.
Market Performance
7 Day Return
-0.8%
SUS
-1.8%
GB Consumer Finance
-0.2%
GB Market
1 Year Return
-15.8%
SUS
-31.3%
GB Consumer Finance
-6.8%
GB Market
Return vs Industry: SUS exceeded the UK Consumer Finance industry which returned -33.3% over the past year.
Return vs Market: SUS underperformed the UK Market which returned -10.7% over the past year.
Shareholder returns
| SUS | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.8% | -1.8% | -0.2% |
| 30 Day | 7.2% | 18.4% | 14.7% |
| 90 Day | 11.6% | 21.1% | 7.6% |
| 1 Year | -10.8%-15.8% | -30.3%-31.3% | -3.1%-6.8% |
| 3 Year | -13.5%-26.2% | -38.3%-52.6% | 2.6%-9.9% |
| 5 Year | -4.6%-24.8% | -79.8%-86.5% | 31.1%1.5% |
Long-Term Price Volatility Vs. Market
How volatile is S&U's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
S&U plc (LON:SUS) Is An Attractive Dividend Stock - Here's Why1 month ago | Simply Wall St
Why S&U's (LON:SUS) CEO Pay Matters1 month ago | Simply Wall St
The Consensus EPS Estimates For S&U plc (LON:SUS) Just Fell DramaticallyValuation
Is S&U undervalued compared to its fair value and its price relative to the market?
30.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SUS (£17.85) is trading below our estimate of fair value (£25.75)
Significantly Below Fair Value: SUS is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SUS is poor value based on its PE Ratio (10.8x) compared to the GB Consumer Finance industry average (8.8x).
PE vs Market: SUS is good value based on its PE Ratio (10.8x) compared to the UK market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: SUS is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: SUS is overvalued based on its PB Ratio (1.2x) compared to the GB Consumer Finance industry average (0.9x).
Next Steps
Future Growth
How is S&U forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
21.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SUS's forecast earnings growth (21.2% per year) is above the savings rate (1.2%).
Earnings vs Market: SUS's earnings (21.2% per year) are forecast to grow slower than the UK market (27.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SUS's revenue (5.1% per year) is forecast to grow slower than the UK market (6.8% per year).
High Growth Revenue: SUS's revenue (5.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SUS's Return on Equity is forecast to be low in 3 years time (12.3%).
Next Steps
Past Performance
How has S&U performed over the past 5 years?
10.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SUS has high quality earnings.
Growing Profit Margin: SUS's current net profit margins (23.7%) are lower than last year (36.5%).
Past Earnings Growth Analysis
Earnings Trend: SUS's earnings have grown by 10.6% per year over the past 5 years.
Accelerating Growth: SUS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SUS had negative earnings growth (-30%) over the past year, making it difficult to compare to the Consumer Finance industry average (5.9%).
Return on Equity
High ROE: SUS's Return on Equity (11.5%) is considered low.
Next Steps
Financial Health
How is S&U's financial position?
Financial Position Analysis
Short Term Liabilities: SUS's short term assets (£284.1M) exceed its short term liabilities (£3.8M).
Long Term Liabilities: SUS's short term assets (£284.1M) exceed its long term liabilities (£109.0M).
Debt to Equity History and Analysis
Debt Level: SUS's debt to equity ratio (62.3%) is considered high.
Reducing Debt: SUS's debt to equity ratio has increased from 45.2% to 62.3% over the past 5 years.
Debt Coverage: SUS's debt is well covered by operating cash flow (29.9%).
Interest Coverage: Insufficient data to determine if SUS's interest payments on its debt are well covered by EBIT.
Balance Sheet
Next Steps
Dividend
What is S&U current dividend yield, its reliability and sustainability?
6.72%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SUS's dividend (6.72%) is higher than the bottom 25% of dividend payers in the UK market (1.69%).
High Dividend: SUS's dividend (6.72%) is in the top 25% of dividend payers in the UK market (4.96%)
Stability and Growth of Payments
Stable Dividend: SUS's dividends per share have been stable in the past 10 years.
Growing Dividend: SUS's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (65.5%), SUS's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SUS's dividends in 3 years are forecast to be covered by earnings (53.4% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
16.7yrs
Average management tenure
CEO
Anthony Michael Coombs (67 yo)
21.83yrs
Tenure
UK£427,000
Compensation
Mr. Anthony Michael Vincent Coombs, MA (Oxon), has been Managing Director at S&U plc since 1999. Mr. Coombs joined S & U PLC in 1975. From 1987 to 1997, he served as a Member of Parliament and was a Member...
CEO Compensation Analysis
Compensation vs Market: Anthony Michael's total compensation ($USD569.61K) is about average for companies of similar size in the UK market ($USD614.58K).
Compensation vs Earnings: Anthony Michael's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & MD | 21.83yrs | UK£427.00k | 11.09% £ 24.0m | |
| Group Financial Director | 16.67yrs | UK£392.00k | 0.15% £ 329.3k | |
| Executive Director | 0.17yr | no data | no data |
16.7yrs
Average Tenure
Experienced Management: SUS's management team is seasoned and experienced (16.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & MD | 21.83yrs | UK£427.00k | 11.09% £ 24.0m | |
| Group Financial Director | 16.67yrs | UK£392.00k | 0.15% £ 329.3k | |
| Executive Director | 0.17yr | no data | no data | |
| Deputy Chairman of the Board | 12.5yrs | UK£400.00k | 13.12% £ 28.3m | |
| Independent Non-Executive Director | no data | UK£37.00k | 0.037% £ 80.1k | |
| Non-Executive Director | 18.83yrs | UK£35.00k | 2.34% £ 5.0m | |
| Independent Non-Executive Director | 4.67yrs | UK£35.00k | no data | |
| Independent Non Executive Director | 5.75yrs | UK£35.00k | no data |
12.5yrs
Average Tenure
65yo
Average Age
Experienced Board: SUS's board of directors are seasoned and experienced ( 12.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
S&U plc's company bio, employee growth, exchange listings and data sources
Key Information
- Name: S&U plc
- Ticker: SUS
- Exchange: LSE
- Founded: 1938
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£215.981m
- Shares outstanding: 12.13m
- Website: https://www.suplc.co.uk
Number of Employees
Location
- S&U plc
- 2 Stratford Court
- Cranmore Boulevard
- Solihull
- West Midlands
- B90 4QT
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SUS | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | GBP | Jan 1992 |
| 47IE | LSE (London Stock Exchange) | 31.5% CUM PRF 12 1/2P | GB | GBP | Jan 1992 |
Biography
S&U plc provides motor and property bridging finance services. The company was founded in 1938 and is headquartered in Solihull, the United Kingdom.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/12/01 19:07 |
| End of Day Share Price | 2020/12/01 00:00 |
| Earnings | 2020/07/31 |
| Annual Earnings | 2020/01/31 |
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 here.