company background image
SUS logo

S&U LSE:SUS Stock Report

Last Price

UK£15.25

Market Cap

UK£185.3m

7D

4.8%

1Y

-24.9%

Updated

11 May, 2025

Data

Company Financials +

S&U plc

LSE:SUS Stock Report

Market Cap: UK£185.3m

SUS Stock Overview

Provides motor, property bridging, and specialist finance services in the United Kingdom. More details

SUS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth4/6
Past Performance1/6
Financial Health3/6
Dividends5/6

Rewards

Trading at 63.1% below our estimate of its fair value

Earnings are forecast to grow 19.23% per year

Risk Analysis

Has a high level of debt

Unstable dividend track record


Community vs My Fair Value

Create Narrative

Select a narrative for quick price alerts from the community, or create your own.

SUS logo
S&U
AN
AnalystConsensusTarget
Consensus Narrative from 2 Analysts

Regulatory Engagements And Supreme Court Ruling Will Secure Resilience

Key Takeaways Improved lending criteria and technology investments at Advantage Finance suggest potential growth in lending activities, positively impacting revenue and earnings. Aspen Bridging's strong profit rise and increased debt indicate robust growth and favorable market conditions support long-term revenue and margin enhancement.
View narrative
UK£16.00
FV
4.7% undervalued intrinsic discount
29.35%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
10 days ago author updated this narrative
View S&U Community

S&U plc Competitors

Multitude

LSE:0R4W

€130.0m

H&T Group

AIM:HAT

UK£196.5m

ASA International Group

LSE:ASAI

UK£104.0m

International Personal Finance

LSE:IPF

UK£322.9m

Price History & Performance

Summary of share price highs, lows and changes for S&U
Historical stock prices
Current Share PriceUK£15.25
52 Week HighUK£20.64
52 Week LowUK£12.30
Beta0.44
1 Month Change7.77%
3 Month Change-6.44%
1 Year Change-24.88%
3 Year Change-32.22%
5 Year Change-0.97%
Change since IPO1,277.05%

Recent News & Updates

S&U's (LON:SUS) Dividend Will Be £0.40

Apr 18
S&U's (LON:SUS) Dividend Will Be £0.40

Recent updates

S&U's (LON:SUS) Dividend Will Be £0.40

Apr 18
S&U's (LON:SUS) Dividend Will Be £0.40
author-image

Automation And Cloud Investments Will Optimize Future Operations

Feb 10 Regulatory engagement optimism and operational advancements may improve earnings, enhance market share, and drive future revenue growth.

Market Cool On S&U plc's (LON:SUS) Earnings Pushing Shares 27% Lower

Nov 14
Market Cool On S&U plc's (LON:SUS) Earnings Pushing Shares 27% Lower

S&U's (LON:SUS) Dividend Is Being Reduced To £0.30

Oct 11
S&U's (LON:SUS) Dividend Is Being Reduced To £0.30

Shareholders May Be A Bit More Conservative With S&U plc's (LON:SUS) CEO Compensation For Now

May 31
Shareholders May Be A Bit More Conservative With S&U plc's (LON:SUS) CEO Compensation For Now

S&U's (LON:SUS) Dividend Will Be £0.50

Apr 26
S&U's (LON:SUS) Dividend Will Be £0.50

S&U (LON:SUS) Is Due To Pay A Dividend Of £0.50

Apr 12
S&U (LON:SUS) Is Due To Pay A Dividend Of £0.50

S&U's (LON:SUS) Upcoming Dividend Will Be Larger Than Last Year's

Apr 14
S&U's (LON:SUS) Upcoming Dividend Will Be Larger Than Last Year's

S&U's (LON:SUS) Upcoming Dividend Will Be Larger Than Last Year's

Mar 31
S&U's (LON:SUS) Upcoming Dividend Will Be Larger Than Last Year's

Here's Why We Think S&U (LON:SUS) Might Deserve Your Attention Today

Mar 28
Here's Why We Think S&U (LON:SUS) Might Deserve Your Attention Today

S&U (LON:SUS) Has Announced That It Will Be Increasing Its Dividend To £0.35

Oct 18
S&U (LON:SUS) Has Announced That It Will Be Increasing Its Dividend To £0.35

S&U (LON:SUS) Will Pay A Larger Dividend Than Last Year At £0.35

Sep 30
S&U (LON:SUS) Will Pay A Larger Dividend Than Last Year At £0.35

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

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

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

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

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

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

This Is Why S&U plc's (LON:SUS) CEO Compensation Looks Appropriate

May 14
This Is Why S&U plc's (LON:SUS) CEO Compensation Looks Appropriate

Investors In S&U plc (LON:SUS) Should Consider This, First

Apr 02
Investors In S&U plc (LON:SUS) Should Consider This, First

What Type Of Shareholders Own The Most Number of S&U plc (LON:SUS) Shares?

Mar 12
What Type Of Shareholders Own The Most Number of S&U plc (LON:SUS) Shares?

Here's What We Like About S&U's (LON:SUS) Upcoming Dividend

Feb 14
Here's What We Like About S&U's (LON:SUS) Upcoming Dividend

A Quick Analysis On S&U's (LON:SUS) CEO Salary

Jan 26
A Quick Analysis On S&U's (LON:SUS) CEO Salary

S&U plc (LON:SUS) Insiders Increased Their Holdings

Dec 29
S&U plc (LON:SUS) Insiders Increased Their Holdings

What You Need To Know About S&U plc's (LON:SUS) Investor Composition

Dec 08
What You Need To Know About S&U plc's (LON:SUS) Investor Composition

S&U plc (LON:SUS) Is An Attractive Dividend Stock - Here's Why

Nov 17
S&U plc (LON:SUS) Is An Attractive Dividend Stock - Here's Why

Shareholder Returns

SUSGB Consumer FinanceGB Market
7D4.8%3.8%-0.3%
1Y-24.9%22.3%-0.7%

Return vs Industry: SUS underperformed the UK Consumer Finance industry which returned 22.3% over the past year.

Return vs Market: SUS underperformed the UK Market which returned -0.7% over the past year.

Price Volatility

Is SUS's price volatile compared to industry and market?
SUS volatility
SUS Average Weekly Movement5.7%
Consumer Finance Industry Average Movement5.8%
Market Average Movement5.8%
10% most volatile stocks in GB Market11.0%
10% least volatile stocks in GB Market3.2%

Stable Share Price: SUS has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: SUS's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1938239Anthony Michael Coombswww.suplc.co.uk

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

S&U plc Fundamentals Summary

How do S&U's earnings and revenue compare to its market cap?
SUS fundamental statistics
Market capUK£185.30m
Earnings (TTM)UK£17.91m
Revenue (TTM)UK£61.92m

10.3x

P/E Ratio

3.0x

P/S Ratio

Is SUS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SUS income statement (TTM)
RevenueUK£61.92m
Cost of RevenueUK£16.38m
Gross ProfitUK£45.54m
Other ExpensesUK£27.63m
EarningsUK£17.91m

Last Reported Earnings

Jan 31, 2025

Next Earnings Date

Oct 09, 2025

Earnings per share (EPS)1.47
Gross Margin73.54%
Net Profit Margin28.93%
Debt/Equity Ratio83.1%

How did SUS perform over the long term?

See historical performance and comparison

Dividends

6.6%

Current Dividend Yield

68%

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 DateJul 03 2025
Dividend Pay DateJul 25 2025
Days until Ex dividend53 days
Days until Dividend pay date75 days

Does SUS pay a reliable dividends?

See SUS dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/11 10:21
End of Day Share Price 2025/05/09 00:00
Earnings2025/01/31
Annual Earnings2025/01/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

S&U plc is covered by 13 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Benjamin ThefautArden Partners Plc.
Alexander BowersBerenberg
Robin SavageCanaccord Genuity