| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 2/6 |
| Dividends | 4/6 |
SUS Stock Overview
S&U plc provides motor, property bridging, and specialist finance in the United Kingdom.
S&U Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£20.30 |
| 52 Week High | UK£29.50 |
| 52 Week Low | UK£20.30 |
| Beta | 0.68 |
| 1 Month Change | -16.63% |
| 3 Month Change | -16.12% |
| 1 Year Change | -21.92% |
| 3 Year Change | -14.71% |
| 5 Year Change | 0.099% |
| Change since IPO | 1,733.06% |
Recent News & Updates
S&U (LON:SUS) Is Increasing Its Dividend To UK£0.57
S&U plc ( LON:SUS ) has announced that it will be increasing its dividend on the 8th of July to UK£0.57. This will take...
S&U (LON:SUS) Is Paying Out A Larger Dividend Than Last Year
S&U plc ( LON:SUS ) will increase its dividend on the 8th of July to UK£0.57, which is 33% higher than last year. This...
Shareholder Returns
| SUS | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | -3.3% | -10.4% | -1.1% |
| 1Y | -21.9% | -53.3% | -9.7% |
Return vs Industry: SUS exceeded the UK Consumer Finance industry which returned -53.3% over the past year.
Return vs Market: SUS underperformed the UK Market which returned -9.7% over the past year.
Price Volatility
| SUS volatility | |
|---|---|
| SUS Average Weekly Movement | 6.2% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 5.4% |
| 10% most volatile stocks in GB Market | 10.6% |
| 10% least volatile stocks in GB Market | 2.8% |
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.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1938 | 200 | Anthony Michael Coombs | https://www.suplc.co.uk |
S&U plc provides motor, property bridging, and specialist finance in the United Kingdom. The company was incorporated in 1938 and is headquartered in Solihull, the United Kingdom.
S&U Fundamentals Summary
| SUS fundamental statistics | |
|---|---|
| Market Cap | UK£246.66m |
| Earnings (TTM) | UK£37.98m |
| Revenue (TTM) | UK£84.12m |
6.5x
P/E Ratio2.9x
P/S RatioIs SUS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SUS income statement (TTM) | |
|---|---|
| Revenue | UK£84.12m |
| Cost of Revenue | UK£22.89m |
| Gross Profit | UK£61.23m |
| Other Expenses | UK£23.24m |
| Earnings | UK£37.98m |
Last Reported Earnings
Jan 31, 2022
Next Earnings Date
Sep 27, 2022
| Earnings per share (EPS) | 3.13 |
| Gross Margin | 72.79% |
| Net Profit Margin | 45.15% |
| Debt/Equity Ratio | 55.1% |
How did SUS perform over the long term?
See historical performance and comparisonDividends
6.2%
Current Dividend Yield40%
Payout RatioValuation
Is SUS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
5/6Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SUS?
Other financial metrics that can be useful for relative valuation.
| What is SUS's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | UK£246.66m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | -4.1x |
Price to Earnings Ratio vs Peers
How does SUS's PE Ratio compare to its peers?
| SUS PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 8.1x | ||
FCH Funding Circle Holdings | 3.3x | 23.3% | UK£203.4m |
IPF International Personal Finance | 4.1x | 15.1% | UK£171.1m |
HAT H&T Group | 21.2x | 32.0% | UK£128.2m |
PFG Provident Financial | 3.7x | -5.2% | UK£500.4m |
SUS S&U | 6.5x | -1.6% | UK£246.7m |
Price-To-Earnings vs Peers: SUS is good value based on its Price-To-Earnings Ratio (6.5x) compared to the peer average (8.1x).
Price to Earnings Ratio vs Industry
How does SUS's PE Ratio compare vs other companies in the European Consumer Finance Industry?
Price-To-Earnings vs Industry: SUS is good value based on its Price-To-Earnings Ratio (6.5x) compared to the UK Consumer Finance industry average (9.7x)
Price to Earnings Ratio vs Fair Ratio
What is SUS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 6.5x |
| Fair PE Ratio | 13.4x |
Price-To-Earnings vs Fair Ratio: SUS is good value based on its Price-To-Earnings Ratio (6.5x) compared to the estimated Fair Price-To-Earnings Ratio (13.4x).
Share Price vs Fair Value
What is the Fair Price of SUS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SUS (£20.3) is trading below our estimate of fair value (£48.03)
Significantly Below Fair Value: SUS is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: SUS's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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Future Growth
How is S&U forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score
1/6Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
-1.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SUS's earnings are forecast to decline over the next 3 years (-1.6% per year).
Earnings vs Market: SUS's earnings are forecast to decline over the next 3 years (-1.6% per year).
High Growth Earnings: SUS's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SUS's revenue (11.6% per year) is forecast to grow faster than the UK market (4.1% per year).
High Growth Revenue: SUS's revenue (11.6% 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 (15.1%).
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Past Performance
How has S&U performed over the past 5 years?
Past Performance Score
5/6Past Performance Score 5/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
3.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SUS has high quality earnings.
Growing Profit Margin: SUS's current net profit margins (45.2%) are higher than last year (18.3%).
Past Earnings Growth Analysis
Earnings Trend: SUS's earnings have grown by 3% per year over the past 5 years.
Accelerating Growth: SUS's earnings growth over the past year (159.3%) exceeds its 5-year average (3% per year).
Earnings vs Industry: SUS earnings growth over the past year (159.3%) exceeded the Consumer Finance industry 43.4%.
Return on Equity
High ROE: SUS's Return on Equity (18.4%) is considered low.
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Financial Health
How is S&U's financial position?
Financial Health Score
2/6Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: SUS's short term assets (£324.7M) exceed its short term liabilities (£8.8M).
Long Term Liabilities: SUS's short term assets (£324.7M) exceed its long term liabilities (£111.7M).
Debt to Equity History and Analysis
Debt Level: SUS's net debt to equity ratio (55.1%) is considered high.
Reducing Debt: SUS's debt to equity ratio has increased from 35.8% to 55.1% over the past 5 years.
Debt Coverage: SUS's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if SUS's interest payments on its debt are well covered by EBIT.
Balance Sheet
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Dividend
What is S&U current dividend yield, its reliability and sustainability?
Dividend Score
5/6Dividend Score 5/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
6.21%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SUS's dividend (6.21%) is higher than the bottom 25% of dividend payers in the UK market (1.89%).
High Dividend: SUS's dividend (6.21%) is in the top 25% of dividend payers in the UK market (5.29%)
Stability and Growth of Payments
Stable Dividend: SUS's dividend payments have been volatile in the past 10 years.
Growing Dividend: SUS's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (40.3%), SUS's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: SUS is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
18.3yrs
Average management tenure
CEO
Anthony Michael Coombs (69 yo)
23.5yrs
Tenure
UK£469,000
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 o...
CEO Compensation Analysis
Compensation vs Market: Anthony Michael's total compensation ($USD564.21K) is about average for companies of similar size in the UK market ($USD717.34K).
Compensation vs Earnings: Anthony Michael's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: SUS's management team is seasoned and experienced (18.3 years average tenure).
Board Members
Experienced Board: SUS's board of directors are considered experienced (6.9 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 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
- Implied Market Cap: UK£246.660m
- Shares outstanding: 12.15m
- 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
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/03 00:00 |
| End of Day Share Price | 2022/07/01 00:00 |
| Earnings | 2022/01/31 |
| Annual Earnings | 2022/01/31 |
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.