SUS Stock Overview
S&U plc provides motor, property bridging, and specialist finance in the United Kingdom.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£22.30|
|52 Week High||UK£29.50|
|52 Week Low||UK£21.50|
|1 Month Change||-11.16%|
|3 Month Change||-14.23%|
|1 Year Change||-16.79%|
|3 Year Change||-0.45%|
|5 Year Change||10.40%|
|Change since IPO||1,913.66%|
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...
|SUS||GB Consumer Finance||GB Market|
Return vs Industry: SUS exceeded the UK Consumer Finance industry which returned -34.4% over the past year.
Return vs Market: SUS underperformed the UK Market which returned -2.5% over the past year.
|SUS Average Weekly Movement||5.9%|
|Consumer Finance Industry Average Movement||7.2%|
|Market Average Movement||6.1%|
|10% most volatile stocks in GB Market||11.6%|
|10% least volatile stocks in GB Market||3.2%|
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
|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|
Is SUS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SUS income statement (TTM)|
|Cost of Revenue||UK£22.89m|
Last Reported Earnings
Jan 31, 2022
Next Earnings Date
Sep 27, 2022
|Earnings per share (EPS)||3.13|
|Net Profit Margin||45.15%|
How did SUS perform over the long term?See historical performance and comparison
5.7%Current Dividend Yield
Does SUS pay a reliable dividends?See SUS dividend history and benchmarks
|S&U dividend dates|
|Ex Dividend Date||Jun 16 2022|
|Dividend Pay Date||Jul 08 2022|
|Days until Ex dividend||27 days|
|Days until Dividend pay date||49 days|
Does SUS pay a reliable dividends?See SUS dividend history and benchmarks
Is S&U undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SUS (£22.3) is trading below our estimate of fair value (£56.45)
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 (7.1x) compared to the UK Consumer Finance industry average (10x).
PE vs Market: SUS is good value based on its PE Ratio (7.1x) compared to the UK market (15.4x).
Price to Earnings Growth Ratio
PEG Ratio: SUS's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SUS is overvalued based on its PB Ratio (1.3x) compared to the GB Consumer Finance industry average (1x).
How is S&U forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (15.3%).
How has S&U performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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 35.1%.
Return on Equity
High ROE: SUS's Return on Equity (18.4%) is considered low.
How is S&U's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
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.
What is S&U current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: SUS's dividend (5.65%) is higher than the bottom 25% of dividend payers in the UK market (1.81%).
High Dividend: SUS's dividend (5.65%) is in the top 25% of dividend payers in the UK market (4.85%)
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
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Anthony Michael Coombs (68 yo)
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 ($USD586.36K) is below average for companies of similar size in the UK market ($USD1.01M).
Compensation vs Earnings: Anthony Michael's compensation has been consistent with company performance over the past year.
Experienced Management: SUS's management team is seasoned and experienced (18.2 years average tenure).
Experienced Board: SUS's board of directors are considered experienced (6.7 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
S&U plc's employee growth, exchange listings and data sources
- Name: S&U plc
- Ticker: SUS
- Exchange: LSE
- Founded: 1938
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: UK£270.944m
- Shares outstanding: 12.15m
- Website: https://www.suplc.co.uk
Number of Employees
- S&U plc
- 2 Stratford Court
- Cranmore Boulevard
- West Midlands
- B90 4QT
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/19 00:00|
|End of Day Share Price||2022/05/19 00:00|
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.