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SUS

S&U LSE:SUS Stock Report

Last Price

UK£22.30

Market Cap

UK£270.9m

7D

0%

1Y

-16.8%

Updated

19 May, 2022

Data

Company Financials +
SUS fundamental analysis
Snowflake Score
Valuation4/6
Future Growth1/6
Past Performance5/6
Financial Health2/6
Dividends4/6

SUS Stock Overview

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

S&U Competitors

Price History & Performance

Summary of all time highs, changes and price drops for S&U
Historical stock prices
Current Share PriceUK£22.30
52 Week HighUK£29.50
52 Week LowUK£21.50
Beta0.68
1 Month Change-11.16%
3 Month Change-14.23%
1 Year Change-16.79%
3 Year Change-0.45%
5 Year Change10.40%
Change since IPO1,913.66%

Recent News & Updates

Apr 28
S&U (LON:SUS) Is Increasing Its Dividend To UK£0.57

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...

Apr 01
S&U (LON:SUS) Is Paying Out A Larger Dividend Than Last Year

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

SUSGB Consumer FinanceGB Market
7D0%-2.0%0.8%
1Y-16.8%-36.7%-5.0%

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.

Price Volatility

Is SUS's price volatile compared to industry and market?
SUS volatility
SUS Average Weekly Movement5.9%
Consumer Finance Industry Average Movement7.2%
Market Average Movement6.1%
10% most volatile stocks in GB Market11.6%
10% least volatile stocks in GB Market3.2%

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

FoundedEmployeesCEOWebsite
1938200Anthony Michael Coombshttps://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

How do S&U's earnings and revenue compare to its market cap?
SUS fundamental statistics
Market CapUK£270.94m
Earnings (TTM)UK£37.98m
Revenue (TTM)UK£84.12m

7.1x

P/E Ratio

3.2x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SUS income statement (TTM)
RevenueUK£84.12m
Cost of RevenueUK£22.89m
Gross ProfitUK£61.23m
Other ExpensesUK£23.24m
EarningsUK£37.98m

Last Reported Earnings

Jan 31, 2022

Next Earnings Date

Sep 27, 2022

Earnings per share (EPS)3.13
Gross Margin72.79%
Net Profit Margin45.15%
Debt/Equity Ratio55.1%

How did SUS perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

40%

Payout Ratio

Does SUS pay a reliable dividends?

See SUS dividend history and benchmarks
When do you need to buy SUS by to receive an upcoming dividend?
S&U dividend dates
Ex Dividend DateJun 16 2022
Dividend Pay DateJul 08 2022
Days until Ex dividend27 days
Days until Dividend pay date49 days

Does SUS pay a reliable dividends?

See SUS dividend history and benchmarks

Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

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).


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

1/6

Future 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 (15.3%).


Past Performance

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

Past Performance Score

5/6

Past 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 35.1%.


Return on Equity

High ROE: SUS's Return on Equity (18.4%) is considered low.


Financial Health

How is S&U's financial position?

Financial Health Score

2/6

Financial 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


Dividend

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

Dividend Score

5/6

Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


5.65%

Current Dividend Yield

Upcoming Dividend Payment

TodayMay 20 2022Ex Dividend DateJun 16 2022Dividend Pay DateJul 08 202222 days from Ex DividendBuy in the next 27 days to receive the upcoming dividend

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

Management

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

18.2yrs

Average management tenure


CEO

Anthony Michael Coombs (68 yo)

23.33yrs

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 ($USD586.36K) is below average for companies of similar size in the UK market ($USD1.01M).

Compensation vs Earnings: Anthony Michael's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: SUS's management team is seasoned and experienced (18.2 years average tenure).


Board Members

Experienced Board: SUS's board of directors are considered experienced (6.7 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£270.944m
  • 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 Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Earnings2022/01/31
Annual Earnings2022/01/31


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.