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S&U

LSE:SUS
Snowflake Description

Good value average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SUS
LSE
£264M
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

S&U plc provides consumer credit, motor finance, and property bridging finance services in the United Kingdom. The last earnings update was 30 days ago. More info.


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SUS Share Price and Events
7 Day Returns
5.3%
LSE:SUS
-0.1%
GB Consumer Finance
1.5%
GB Market
1 Year Returns
-10.6%
LSE:SUS
-22.9%
GB Consumer Finance
2.1%
GB Market
SUS Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
S&U (SUS) 5.3% 24.5% 6.8% -10.6% 2.1% 17%
GB Consumer Finance -0.1% 7.5% -1.8% -22.9% -69.4% -61.9%
GB Market 1.5% 5.2% 9.7% 2.1% 17.8% 6.8%
1 Year Return vs Industry and Market
  • SUS outperformed the Consumer Finance industry which returned -22.9% over the past year.
  • SUS underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.1% over the past year.
Price Volatility
SUS
Industry
5yr Volatility vs Market

SUS Value

 Is S&U undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of S&U to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for S&U.

LSE:SUS Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= £12.34 * 15.5%
£1.91
Book Value of Equity per Share Median Book Value from the past 5 years. £12.34
Discount Rate (Cost of Equity) See below 7.6%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:SUS
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.695 (1 + (1- 19%) (41.12%))
0.951
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.95
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.951 * 6.65%)
7.55%

Discounted Cash Flow Calculation for LSE:SUS using Excess Returns Model Model

The calculations below outline how an intrinsic value for S&U is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:SUS Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (15.5% – 7.55%) * £12.34)
£0.98
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= £0.98 / (7.55% - 1.23%)
£15.45
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= £12.34 + £15.45
£27.79
LSE:SUS Discount to Share Price
Calculation Result
Value per share (GBP) From above. £27.79
Current discount Discount to share price of £22.00
= -1 x (£22.00 - £27.79) / £27.79
20.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price S&U is available for.
Intrinsic value
21%
Share price is £22 vs Future cash flow value of £27.79
Current Discount Checks
For S&U to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • S&U's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • S&U's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for S&U's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are S&U's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:SUS PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-01-31) in GBP £2.33
LSE:SUS Share Price ** LSE (2019-04-24) in GBP £22
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.15x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.16x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of S&U.

LSE:SUS PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:SUS Share Price ÷ EPS (both in GBP)

= 22 ÷ 2.33

9.43x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • S&U is good value based on earnings compared to the GB Consumer Finance industry average.
  • S&U is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does S&U's expected growth come at a high price?
Raw Data
LSE:SUS PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.43x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
7.6%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.49x

*Line of best fit is calculated by linear regression .

LSE:SUS PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 9.43x ÷ 7.6%

1.25x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • S&U is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on S&U's assets?
Raw Data
LSE:SUS PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-01-31) in GBP £13.75
LSE:SUS Share Price * LSE (2019-04-24) in GBP £22
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.7x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:SUS PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:SUS Share Price ÷ Book Value per Share (both in GBP)

= 22 ÷ 13.75

1.6x

* Primary Listing of S&U.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • S&U is good value based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess S&U's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. S&U has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SUS Future Performance

 How is S&U expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is S&U expected to grow at an attractive rate?
  • S&U's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • S&U's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • S&U's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:SUS Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:SUS Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 7.6%
LSE:SUS Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 10.2%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.6%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 12.9%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.9%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:SUS Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:SUS Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-01-31 117 2
2021-01-31 103 3 33 5
2020-01-31 95 8 30 5
LSE:SUS Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2019-01-31 85 11 28
2018-10-31 84 -9 27
2018-07-31 83 -28 26
2018-04-30 80 -36 25
2018-01-31 77 -43 24
2017-10-31 72 -37 23
2017-07-31 68 -31 22
2017-04-30 63 -29 21
2017-01-31 59 -27 20
2016-07-31 52 -32 18
2016-04-30 47 -24 17

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • S&U's earnings are expected to grow by 7.6% yearly, however this is not considered high growth (20% yearly).
  • S&U's revenue is expected to grow by 10.2% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:SUS Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from S&U Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:SUS Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-01-31
2021-01-31 2.71 2.71 2.71 1.00
2020-01-31 2.48 2.48 2.48 1.00
LSE:SUS Past Financials Data
Date (Data in GBP Millions) EPS *
2019-01-31 2.33
2018-10-31 2.27
2018-07-31 2.20
2018-04-30 2.12
2018-01-31 2.04
2017-10-31 1.96
2017-07-31 1.88
2017-04-30 1.79
2017-01-31 1.71
2016-07-31 1.54
2016-04-30 1.44

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • S&U is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess S&U's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
S&U has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SUS Past Performance

  How has S&U performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare S&U's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • S&U's year on year earnings growth rate has been positive over the past 5 years.
  • S&U's 1-year earnings growth is less than its 5-year average (14.6% vs 18.7%)
  • S&U's earnings growth has not exceeded the GB Consumer Finance industry average in the past year (14.6% vs 19.9%).
Earnings and Revenue History
S&U's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from S&U Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:SUS Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-01-31 84.67 27.99 11.18
2018-10-31 83.78 27.21 10.92
2018-07-31 82.88 26.43 10.66
2018-04-30 79.92 25.42 10.29
2018-01-31 76.96 24.41 9.92
2017-10-31 72.31 23.40 9.65
2017-07-31 67.67 22.38 9.37
2017-04-30 63.24 21.36 8.98
2017-01-31 58.82 20.34 8.59
2016-07-31 51.55 18.41 8.00
2016-04-30 47.41 17.15 7.67
2016-01-31 43.27 15.89 7.34
2015-07-31 37.38 13.53 7.15
2015-04-30 35.90 12.69 7.13
2015-01-31 34.42 11.85 7.12
2014-10-31 41.28 11.88 11.32
2014-07-31 48.13 11.91 15.52
2014-04-30 54.11 12.62 19.31
2014-01-31 60.10 13.33 23.10
2013-10-31 58.15 12.67 22.48
2013-07-31 56.20 12.00 21.86
2013-04-30 55.30 11.44 21.81
2013-01-31 54.41 10.88 21.77
2012-10-31 53.87 10.34 21.85
2012-07-31 53.34 9.79 21.94
2012-04-30 52.33 9.36 21.59

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • S&U has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • S&U used its assets more efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if S&U improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess S&U's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
S&U has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SUS Health

 How is S&U's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up S&U's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • S&U is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • S&U's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of S&U's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 2.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from S&U Company Filings, last reported 2 months ago.

LSE:SUS Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2019-01-31 165.37 108.76 0.00
2018-10-31 165.37 108.76 0.00
2018-07-31 154.73 122.13 0.00
2018-04-30 154.73 122.13 0.00
2018-01-31 152.82 105.44 0.00
2017-10-31 152.82 105.44 0.00
2017-07-31 143.09 81.13 0.00
2017-04-30 143.09 81.13 0.00
2017-01-31 139.47 49.62 0.00
2016-07-31 131.24 38.41 0.00
2016-04-30 131.24 38.41 0.00
2016-01-31 128.26 30.60 18.25
2015-07-31 136.60 62.01 0.00
2015-04-30 136.60 62.01 0.00
2015-01-31 81.46 54.95 0.94
2014-10-31 81.46 54.95 0.94
2014-07-31 73.76 51.92 0.02
2014-04-30 73.76 51.92 0.02
2014-01-31 69.41 32.80 0.01
2013-10-31 69.41 32.80 0.01
2013-07-31 64.06 25.18 0.01
2013-04-30 64.06 25.18 0.01
2013-01-31 61.07 21.02 0.01
2012-10-31 61.07 21.02 0.01
2012-07-31 57.01 19.14 0.01
2012-04-30 57.01 19.14 0.01
  • S&U's level of debt (65.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (47.5% vs 65.8% today).
  • Debt is not well covered by operating cash flow (9.7%, less than 20% of total debt).
  • Unable to confirm if the interest payments on S&U's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess S&U's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. S&U has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SUS Dividends

 What is S&U's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
5.36%
Current annual income from S&U dividends. Estimated to be 5.95% next year.
If you bought £2,000 of S&U shares you are expected to receive £107 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • S&U's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
  • S&U's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.14%).
Upcoming dividend payment

Purchase S&U before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:SUS Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.1%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:SUS Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2022-01-31 1.45 3.00
2021-01-31 1.31 5.00
2020-01-31 1.22 5.00
LSE:SUS Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-03-26 1.180 6.223
2019-03-25 1.180 6.527
2019-02-06 1.120 5.604
2018-04-17 1.050 4.447
2018-03-27 1.050 4.439
2018-02-09 0.990 4.341
2017-04-13 0.910 4.360
2017-03-28 0.910 4.333
2016-04-15 0.760 3.361
2016-03-22 0.760 3.443
2016-02-12 0.730 3.151
2015-04-17 0.660 2.849
2015-03-24 0.660 3.197
2015-02-13 0.600 2.852
2014-09-23 0.570 2.892
2014-03-25 0.540 2.907
2013-09-27 0.480 2.992
2013-03-26 0.460 3.785
2013-02-08 0.440 4.577
2012-04-17 0.410 4.866
2012-03-29 0.410 5.509
2011-03-23 0.360 5.656
2010-04-19 0.340 6.070
2010-03-24 0.340 6.252

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, S&U has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but S&U only paid a dividend in the past 9 years.
Current Payout to shareholders
What portion of S&U's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (2x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.1x coverage).
X
Income/ dividend checks
We assess S&U's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can S&U afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. S&U has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SUS Management

 What is the CEO of S&U's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Anthony Michael Coombs
COMPENSATION £387,000
AGE 65
TENURE AS CEO 20.3 years
CEO Bio

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 of the Government. He has been the Chairman of S&U plc since May 2008 and serves as its Director. He served as Chairman of BusinessesForSale.com plc and Dynamis Plc. He serves as a Director of a number of companies and charities including the Birmingham Royal Ballet Trust Board. Mr. Coombs serves on the Public Relations Committee of the Consumer Credit Association.

CEO Compensation
  • Anthony Michael's compensation has been consistent with company performance over the past year.
  • Anthony Michael's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the S&U management team in years:

20.3
Average Tenure
62
Average Age
  • The average tenure for the S&U management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Anthony Michael Coombs

TITLE
Chairman & MD
COMPENSATION
£387K
AGE
65
TENURE
20.3 yrs

Chris Redford

TITLE
Group Financial Director
COMPENSATION
£306K
AGE
52
TENURE
15.1 yrs

John Thompson

TITLE
Executive Director
COMPENSATION
£1M
AGE
62
TENURE
20.3 yrs
Board of Directors Tenure

Average tenure and age of the S&U board of directors in years:

10.9
Average Tenure
62.5
Average Age
  • The average tenure for the S&U board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Anthony Michael Coombs

TITLE
Chairman & MD
COMPENSATION
£387K
AGE
65
TENURE
10.9 yrs

Graham Derek Coombs

TITLE
Deputy Chairman of the Board
COMPENSATION
£343K
AGE
65
TENURE
10.9 yrs

Chris Redford

TITLE
Group Financial Director
COMPENSATION
£306K
AGE
52
TENURE
15.1 yrs

John Thompson

TITLE
Executive Director
COMPENSATION
£1M
AGE
62
TENURE
14.1 yrs

Demetrios Markou

TITLE
Independent Non-Executive Director
COMPENSATION
£31K
AGE
74

Graham Pedersen

TITLE
Independent Non Executive Director
COMPENSATION
£31K
AGE
63
TENURE
4.2 yrs

Fiann Coombs

TITLE
Non-Executive Director
COMPENSATION
£31K
AGE
49
TENURE
17.3 yrs

Tarek Khlat

TITLE
Independent Non-Executive Director
COMPENSATION
£31K
AGE
50
TENURE
3.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
X
Management checks
We assess S&U's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. S&U has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SUS News

Simply Wall St News

S&U plc (LON:SUS) Is An Attractive Dividend Stock - Here's Why

Dividend paying stocks like S&U plc (LON:SUS) tend to be popular with investors, and for good reason - some research shows that a significant amount of all stock market returns come from reinvested dividends.. … If you are hoping to live on the income from dividends, it's important to be a lot more stringent with your investments than the average punter.. … Before you buy any stock for its dividend however, you should always remember Warren Buffett's two rules: 1) Don't lose money, and 2) Remember rule #1

Simply Wall St -

S&U plc (LON:SUS) Should Be In Your Dividend Portfolio, Here's Why

S&U plc (LON:SUS) is a true Dividend Rock Star. … Its yield of 6.4% makes it one of the market's top dividend payer. … Below, I have outlined more attractive dividend aspects for S&U for income investors who may be interested in new dividend stocks for their portfolio.

Simply Wall St -

Do You Like S&U plc (LON:SUS) At This P/E Ratio?

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … To keep it practical, we'll show how S&U plc's (LON:SUS) P/E ratio could help you assess the value on offer. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

If You Had Bought S&U Shares Five Years Ago You'd Have Made 14%

Unfortunately for shareholders, while the S&U plc (LON:SUS) share price is up 14% in the last five years, that's less than the market return. … During five years of share price growth, S&U achieved compound earnings per share (EPS) growth of 19% per year. … This EPS growth is higher than the 2.6% average annual increase in the share price.

Simply Wall St -

Is S&U plc's (LON:SUS) Growth Strong Enough To Justify Its January Share Price?

S&U plc (LON:SUS) closed yesterday at £21.2, which left some investors asking whether the high earnings potential can still be justified at this price. … Below I will be talking through a basic metric which will help answer this question. … Analysts are predicting good growth prospects for S&U over the next couple of years

Simply Wall St -

Are You An Income Investor? Don't Miss Out On S&U plc (LON:SUS)

S&U plc (LON:SUS) has pleased shareholders over the past 10 years, by paying out dividends. … Does S&U tick all the boxes of a great dividend stock? … How I analyze a dividend stock

Simply Wall St -

Should You Worry About S&U plc's (LON:SUS) CEO Pay?

This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Anthony Michael Coombs's Compensation Compare With Similar Sized Companies. … Our data indicates that S&U plc is worth UK£252m, and total annual CEO compensation is UK£387k.

Simply Wall St -

S&U plc (LON:SUS) Is Trading At A 6.38% Discount Right Now

This is because the rules they face are different to other companies, which can impact the way we forecast their cash flow. … For example, businesses that deal with loans are required to hold more capital to reduce the risk to shareholders.

Simply Wall St -

S&U plc (LON:SUS): 4 Days To Buy Before The Ex-Dividend Date

To qualify for the dividend check of UK£0.32 per share, investors must have owned the shares prior to 25 October 2018, which is the last day the company's management will finalize their list of shareholders to which they will send dividend payments. … Below, I will explain how holding S&U can impact your portfolio income stream, by analysing the stock's most recent financial data and dividend attributes. … Based on future earnings growth, will it be able to continue to payout dividend at the current rate

Simply Wall St -

What Can We Expect for S&U plc (LON:SUS) Moving Forward?

is a consumer finance company operating in an industry, … Many aspects of consumer finance are being attacked by new competitors, whose key advantage is a leaner and technology-enabled operating model, allowing them to scale at a faster rate and meet changing consumer needs … Financial services analysts are forecasting for the entire industry,

Simply Wall St -

SUS Company Info

Description

S&U plc provides consumer credit, motor finance, and property bridging finance services in the United Kingdom. The company was founded in 1938 and is based in Solihull, the United Kingdom.

Details
Name: S&U plc
SUS
Exchange: LSE
Founded: 1938
£264,493,372
12,022,426
Website: http://www.suplc.co.uk
Address: S&U plc
6 The Quadrangle,
Cranmore Avenue,
Solihull,
West Midlands, B90 4LE,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE SUS Ordinary Shares London Stock Exchange GB GBP 02. Jan 1992
LSE 47IE 31.5% CUM PRF 12 1/2P London Stock Exchange GB GBP 02. Jan 1992
Number of employees
Current staff
Staff numbers
179
S&U employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/24 20:35
End of day share price update: 2019/04/24 00:00
Last estimates confirmation: 2019/04/04
Last earnings filing: 2019/03/25
Last earnings reported: 2019/01/31
Last annual earnings reported: 2019/01/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.