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Market Cap

UK£334.0m

Last Updated

2021/05/11 19:36 UTC

Data Sources

Company Financials +

Executive Summary

S&U plc provides motor and property bridging finance in the United Kingdom. More Details


Snowflake Analysis

Reasonable growth potential average dividend payer.


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 +/- 4% a week.

Volatility Over Time: SUS's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

5.8%

SUS

-2.4%

GB Consumer Finance

-0.5%

GB Market


1 Year Return

72.2%

SUS

58.1%

GB Consumer Finance

24.2%

GB Market

Return vs Industry: SUS exceeded the UK Consumer Finance industry which returned 56.7% over the past year.

Return vs Market: SUS exceeded the UK Market which returned 25.6% over the past year.


Shareholder returns

SUSIndustryMarket
7 Day5.8%-2.4%-0.5%
30 Day16.2%1.6%1.5%
90 Day24.1%5.9%6.6%
1 Year81.8%72.2%59.8%58.1%29.6%24.2%
3 Year16.7%-0.2%-41.9%-46.3%10.6%-2.2%
5 Year55.2%22.1%-72.5%-81.4%47.5%19.5%

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

Valuation

Is S&U undervalued compared to its fair value and its price relative to the market?

10.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: SUS (£27.3) is trading below our estimate of fair value (£30.58)

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 poor value based on its PE Ratio (22.6x) compared to the UK Consumer Finance industry average (16.7x).

PE vs Market: SUS is good value based on its PE Ratio (22.6x) compared to the UK market (26.4x).


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 (1.8x) compared to the GB Consumer Finance industry average (1.3x).


Future Growth

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

23.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: SUS's forecast earnings growth (23.3% per year) is above the savings rate (0.9%).

Earnings vs Market: SUS's earnings (23.3% per year) are forecast to grow faster than the UK market (17.4% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: SUS's revenue (8.6% per year) is forecast to grow faster than the UK market (5.2% per year).

High Growth Revenue: SUS's revenue (8.6% 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%).


Past Performance

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

3.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SUS has high quality earnings.

Growing Profit Margin: SUS's current net profit margins (18.3%) are lower than last year (33.9%).


Past Earnings Growth Analysis

Earnings Trend: SUS's earnings have grown by 3.5% 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 (-49.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (-46%).


Return on Equity

High ROE: SUS's Return on Equity (8.1%) is considered low.


Financial Health

How is S&U's financial position?


Financial Position Analysis

Short Term Liabilities: SUS's short term assets (£282.0M) exceed its short term liabilities (£5.3M).

Long Term Liabilities: SUS's short term assets (£282.0M) exceed its long term liabilities (£98.5M).


Debt to Equity History and Analysis

Debt Level: SUS's debt to equity ratio (54.8%) is considered high.

Reducing Debt: SUS's debt to equity ratio has increased from 24% to 54.8% over the past 5 years.

Debt Coverage: SUS's debt is well covered by operating cash flow (33.2%).

Interest Coverage: Insufficient data to determine if SUS's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

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

3.30%

Current Dividend Yield


Upcoming Dividend Payment

TodayMay 12 2021Ex Dividend DateJun 17 2021Dividend Pay DateJul 09 202122 days from Ex DividendBuy in the next 35 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: SUS's dividend (3.3%) is higher than the bottom 25% of dividend payers in the UK market (1.36%).

High Dividend: SUS's dividend (3.3%) is low compared to the top 25% of dividend payers in the UK market (4.02%).


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.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (74.5%), 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 well covered by earnings (46.7% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

17.2yrs

Average management tenure


CEO

Anthony Michael Coombs (67 yo)

22.33yrs

Tenure

UK£450,000

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 ($USD636.95K) is about average for companies of similar size in the UK market ($USD717.93K).

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 (17.2 years average tenure).


Board Members

Experienced Board: SUS's board of directors are considered experienced (9.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: SUS insiders have only sold shares 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£333.995m
  • 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


Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/11 19:36
End of Day Share Price2021/05/11 00:00
Earnings2021/01/31
Annual Earnings2021/01/31


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.