Market Cap
UK£258.2m
Last Updated
2019/10/21 20:34 UTC
Data Sources
Company Financials +
Executive Summary
S&U plc provides consumer credit, motor finance, and property bridging finance services.
Snowflake
Fundamentals
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
Market Performance
7 Day Return
1.0%
SUS
5.0%
GB Consumer Finance
0.2%
GB Market
1 Year Return
3.4%
SUS
-39.3%
GB Consumer Finance
1.7%
GB Market
Return vs Industry: SUS exceeded the UK Consumer Finance industry which returned -39.3% over the past year.
Return vs Market: SUS matched the UK Market which returned 1.7% over the past year.
Shareholder returns
| SUS | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.0% | 5.0% | 0.2% |
| 30 Day | -1.9% | 2.4% | -1.7% |
| 90 Day | -9.5% | -10.8% | -3.1% |
| 1 Year | 9.2%3.4% | -36.9%-39.3% | 6.7%1.7% |
| 3 Year | 1.1%-11.4% | -63.2%-73.8% | 17.7%3.1% |
| 5 Year | 38.8%8.7% | -51.7%-68.0% | 36.1%5.5% |
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 days ago | Simply Wall St
S&U plc (LON:SUS) Looks Like A Good Stock, And It's Going Ex-Dividend Soon6 days ago | Simply Wall St
What Kind Of Shareholders Own S&U plc (LON:SUS)?3 weeks ago | Simply Wall St
Is S&U plc (LON:SUS) Potentially Underrated?Valuation
Is S&U undervalued compared to its fair value and its price relative to the market?
29.6%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SUS (£21) is trading below our estimate of fair value (£29.85)
Significantly Below Fair Value: SUS is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SUS is good value based on its PE Ratio (8.9x) compared to the Consumer Finance industry average (11x).
PE vs Market: SUS is good value based on its PE Ratio (8.9x) compared to the UK market (16.6x).
Price to Earnings Growth Ratio
PEG Ratio: SUS is good value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: SUS is overvalued based on its PB Ratio (1.5x) compared to the GB Consumer Finance industry average (1.5x).
Next Steps
Future Growth
How is S&U forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
9.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SUS's forecast earnings growth (9% per year) is above the savings rate (1.2%).
Earnings vs Market: SUS's earnings (9% per year) are forecast to grow slower than the UK market (12.4% per year).
High Growth Earnings: SUS's earnings are forecast to grow, but not significantly.
Revenue vs Market: SUS's revenue (9.8% per year) is forecast to grow faster than the UK market (3.9% per year).
High Growth Revenue: SUS's revenue (9.8% 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 (16.8%).
Next Steps
Past Performance
How has S&U performed over the past 5 years?
18.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: SUS's earnings have grown by 18.6% per year over the past 5 years.
Accelerating Growth: SUS's earnings growth over the past year (7.8%) is below its 5-year average (18.6% per year).
Earnings vs Industry: SUS earnings growth over the past year (7.8%) underperformed the Consumer Finance industry 7.8%.
Return on Equity
High ROE: SUS's Return on Equity (16.9%) is considered low.
Return on Assets
ROA vs Industry: SUS has a higher Return on Assets than the Consumer Finance industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate SUS's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is S&U's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: SUS has a low level of unsold assets or inventory.
Debt Coverage by Assets: SUS's debt is covered by short term assets (assets are 2.386240x debt).
Financial Institutions Analysis
Asset Level: SUS's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if SUS has a sufficient allowance for bad loans.
Low Risk Liabilities: SUS reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if SUS has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SUS has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if SUS has an appropriate level of bad loans.
Next Steps
Dividend
What is S&U's current dividend yield, its reliability and sustainability?
5.62%
Current Dividend Yield
Upcoming Dividend Payment
Purchase S&U before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: SUS's dividend (5.62%) is higher than the bottom 25% of dividend payers in the UK market (1.99%).
High Dividend: SUS's dividend (5.62%) is in the top 25% of dividend payers in the UK market (5.37%)
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 (50.6%), 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 well covered by earnings (49% payout ratio).
Next Steps
Management
What is the CEO of S&U's salary, the management and board of directors tenure and is there insider trading?
20.8yrs
Average management tenure
CEO
Anthony Michael Coombs (66yo)
20.8yrs
Tenure
UK£412,000
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 ($USD534.73K) is about average for companies of similar size in the UK market ($USD884.56K).
Compensation vs Earnings: Anthony Michael's compensation has been consistent with company performance over the past year.
Management Age and Tenure
20.8yrs
Average Tenure
63yo
Average Age
Experienced Management: SUS's management team is seasoned and experienced (20.8 years average tenure).
Board Age and Tenure
11.4yrs
Average Tenure
63.5yo
Average Age
Experienced Board: SUS's board of directors are seasoned and experienced ( 11.4 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Anthony Michael Coombs (66yo)
Chairman & MD
- Tenure: 20.8yrs
- Compensation: UK£412.00k
Chris Redford (53yo)
Group Financial Director
- Tenure: 15.6yrs
- Compensation: UK£346.00k
John Thompson (63yo)
Executive Director
- Tenure: 14.6yrs
- Compensation: UK£759.00k
Board Members
Anthony Michael Coombs (66yo)
Chairman & MD
- Tenure: 20.8yrs
- Compensation: UK£412.00k
Graham Derek Coombs (66yo)
Deputy Chairman of the Board
- Tenure: 11.4yrs
- Compensation: UK£368.00k
Demetrios Markou (75yo)
Independent Non-Executive Director
- Tenure: 0yrs
- Compensation: UK£35.00k
Chris Redford (53yo)
Group Financial Director
- Tenure: 15.6yrs
- Compensation: UK£346.00k
Fiann Coombs (50yo)
Non-Executive Director
- Tenure: 17.8yrs
- Compensation: UK£33.00k
John Thompson (63yo)
Executive Director
- Tenure: 14.6yrs
- Compensation: UK£759.00k
Tarek Khlat (52yo)
Independent Non-Executive Director
- Tenure: 3.6yrs
- Compensation: UK£33.00k
Graham Pedersen (64yo)
Independent Non Executive Director
- Tenure: 4.7yrs
- Compensation: UK£33.00k
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£258.193m
- Shares outstanding: 12.07m
- 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 consumer credit, motor finance, 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 | 2019/10/21 20:34 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/07/31 |
| Annual Earnings | 2019/01/31 |
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.