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SUS

S&ULSE:SUS Stock Report

Market Cap

UK£334.0m

7D

-2.9%

1Y

44.0%

Updated

01 Dec, 2021

Data

Company Financials +
SUS fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance4/6
Financial Health2/6
Dividends4/6

SUS Stock Overview

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

S&U Competitors

Provident Financial

LSE:PFG

UK£890.3m

Funding Circle Holdings

LSE:FCH

UK£491.1m

Amigo Holdings

LSE:AMGO

UK£36.8m

Lloyds Banking Group

LSE:LLOY

UK£33.2b

Price History & Performance

Summary of all time highs, changes and price drops for S&U
Historical stock prices
Current Share PriceUK£26.50
52 Week HighUK£29.50
52 Week LowUK£18.00
Beta0.71
1 Month Change-9.25%
3 Month Change-5.36%
1 Year Change44.02%
3 Year Change26.79%
5 Year Change32.70%
Change since IPO2,292.91%

Recent News & Updates

Oct 01
S&U (LON:SUS) Is Increasing Its Dividend To UK£0.33

S&U (LON:SUS) Is Increasing Its Dividend To UK£0.33

The board of S&U plc ( LON:SUS ) has announced that it will be increasing its dividend on the 19th of November to...

Shareholder Returns

SUSGB Consumer FinanceGB Market
7D-2.9%2.0%-1.1%
1Y44.0%125.3%11.6%

Return vs Industry: SUS underperformed the UK Consumer Finance industry which returned 127.4% over the past year.

Return vs Market: SUS exceeded the UK Market which returned 10.9% over the past year.

Price Volatility

Is SUS's price volatile compared to industry and market?
SUS volatility
SUS Average Weekly Movement3.7%
Consumer Finance Industry Average Movement5.1%
Market Average Movement4.9%
10% most volatile stocks in GB Market9.8%
10% least volatile stocks in GB Market2.6%

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.

About the Company

FoundedEmployeesCEOWebsite
1938190Anthony Michael Coombshttps://www.suplc.co.uk

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.

S&U Fundamentals Summary

How do S&U's earnings and revenue compare to its market cap?
SUS fundamental statistics
Market CapUK£333.99m
Earnings (TTM)UK£25.72m
Revenue (TTM)UK£80.35m

12.5x

P/E Ratio

4.0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SUS income statement (TTM)
RevenueUK£80.35m
Cost of RevenueUK£36.36m
Gross ProfitUK£43.99m
ExpensesUK£18.27m
EarningsUK£25.72m

Last Reported Earnings

Jul 31, 2021

Next Earnings Date

Mar 29, 2022

Earnings per share (EPS)2.12
Gross Margin54.74%
Net Profit Margin32.01%
Debt/Equity Ratio61.1%

How did SUS perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

48%

Payout Ratio

Valuation

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

39.8%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: SUS (£26.5) is trading below our estimate of fair value (£44.02)

Significantly Below Fair Value: SUS is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: SUS is good value based on its PE Ratio (12.5x) compared to the UK Consumer Finance industry average (13x).

PE vs Market: SUS is good value based on its PE Ratio (12.5x) compared to the UK market (19x).


Price to Earnings Growth Ratio

PEG Ratio: SUS is poor value based on its PEG Ratio (2x)


Price to Book Ratio

PB vs Industry: SUS is overvalued based on its PB Ratio (1.7x) compared to the GB Consumer Finance industry average (1.4x).


Future Growth

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

6.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: SUS's forecast earnings growth (6.3% per year) is above the savings rate (0.9%).

Earnings vs Market: SUS's earnings (6.3% per year) are forecast to grow slower than the UK market (12.5% per year).

High Growth Earnings: SUS's earnings are forecast to grow, but not significantly.

Revenue vs Market: SUS's revenue (10.8% per year) is forecast to grow faster than the UK market (4.9% per year).

High Growth Revenue: SUS's revenue (10.8% 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 (14.8%).


Past Performance

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

-0.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SUS has high quality earnings.

Growing Profit Margin: SUS's current net profit margins (32%) are higher than last year (23.7%).


Past Earnings Growth Analysis

Earnings Trend: SUS's earnings have declined by 0.2% per year over the past 5 years.

Accelerating Growth: SUS's earnings growth over the past year (28.9%) exceeds its 5-year average (-0.2% per year).

Earnings vs Industry: SUS earnings growth over the past year (28.9%) exceeded the Consumer Finance industry -18%.


Return on Equity

High ROE: SUS's Return on Equity (13.6%) is considered low.


Financial Health

How is S&U's financial position?


Financial Position Analysis

Short Term Liabilities: SUS's short term assets (£308.4M) exceed its short term liabilities (£7.8M).

Long Term Liabilities: SUS's short term assets (£308.4M) exceed its long term liabilities (£114.4M).


Debt to Equity History and Analysis

Debt Level: SUS's net debt to equity ratio (61.1%) is considered high.

Reducing Debt: SUS's debt to equity ratio has increased from 29.3% to 61.1% over the past 5 years.

Debt Coverage: SUS's debt is not well covered by operating cash flow (3.7%).

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?

3.70%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: SUS's dividend (3.7%) is higher than the bottom 25% of dividend payers in the UK market (1.38%).

High Dividend: SUS's dividend (3.7%) is low compared to the top 25% of dividend payers in the UK market (4.17%).


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 reasonably low payout ratio (47.7%), SUS's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: SUS's dividends in 3 years are forecast to be covered by earnings (50.3% payout ratio).


Next Steps

  • Explore strong dividend paying companies in the Diversified Financials industry.

Management

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

17.7yrs

Average management tenure


CEO

Anthony Michael Coombs (68 yo)

22.83yrs

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 ($USD599.30K) is about average for companies of similar size in the UK market ($USD777.89K).

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 (17.7 years average tenure).


Board Members

Experienced Board: SUS's board of directors are considered experienced (6.8 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 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/12/01 21:57
End of Day Share Price2021/12/01 00:00
Earnings2021/07/31
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.