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S&U plc

Financial Services GB SUS

1935.0GBX
-12.5(0.64%)

Last update at 2026-06-11T15:35:00Z

Day Range

1905.001945.72
LowHigh

52 Week Range

1304.002422.65
LowHigh

Fundamentals

  • Previous Close 1947.50
  • Market Cap235.72M
  • Volume2371
  • P/E Ratio11.83
  • Dividend Yield5.47%
  • Revenue TTM67.05M
  • Revenue Per Share TTM5.52
  • Gross Profit TTM 50.78M
  • Diluted EPS TTM1.64

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Income before tax 23.98M 33.58M 41.41M 47.02M 18.13M
Minority interest - - - - -
Net income 17.91M 25.44M 33.72M 37.98M 14.65M
Selling general administrative 18.83M 19.75M 16.26M 14.21M 11.10M
Selling and marketing expenses - 0.01M - - -
Gross profit 97.49M 92.11M 95.36M 84.26M 80.33M
Reconciled depreciation 0.48M 0.51M 0.53M 0.53M 0.52M
Ebit - 48.63M 40.88M 46.49M 17.61M
Ebitda - 49.14M 41.41M 47.02M 18.13M
Depreciation and amortization 0.48M 0.51M 0.53M 0.53M 0.52M
Non operating income net other - - - - -
Operating income 62.28M 48.65M 40.88M 46.49M 17.61M
Other operating expenses 35.21M 42.59M 39.93M 32.98M 62.02M
Interest expense 18.12M 14.92M 7.35M 3.63M 3.47M
Tax provision 6.06M 8.15M 7.69M 9.04M 3.48M
Interest income 115.61M 115.44M 0.00000M 87.89M 0.04M
Net interest income 97.49M 100.52M -7.35400M -3.63000M -3.42600M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 6.06M 8.15M 7.69M 9.04M 3.48M
Total revenue 97.49M 100.38M 95.36M 84.26M 80.33M
Total operating expenses 35.21M 42.59M 39.93M 32.98M 25.36M
Cost of revenue - 8.27M - - 14.26M
Total other income expense net -38.30700M -15.06200M 41.41M 47.02M 18.13M
Discontinued operations - - - - -
Net income from continuing ops 17.91M 25.44M 33.72M 37.98M 14.65M
Net income applicable to common shares - - 33.72M 37.98M 14.65M
Preferred stock and other adjustments - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Total assets 445.06M 466.85M 428.17M 327.23M 284.84M
Intangible assets - - - - -
Earning assets - - - - -
Other current assets -1.42700M -221.00600M - 1.44M 0.94M
Total liab 206.98M 232.68M 203.29M 120.48M 103.81M
Total stockholder equity 238.08M 234.16M 224.88M 206.75M 181.03M
Deferred long term liab - - - - -
Other current liab -4.99000M -3.58600M -4.60200M -4.34700M -2.76300M
Common stock 1.72M 1.52M 1.72M 1.72M 1.72M
Capital stock 1.72M 1.72M 1.72M 1.72M 1.72M
Retained earnings 234.06M 230.14M 220.87M 202.73M 177.01M
Other liab - - - - -
Good will - - - - -
Other assets 445.06M 466.85M 422.42M 323.03M 282.12M
Cash 5.22M 0.00100M 3.14M 0.00100M 0.00100M
Cash and equivalents - - - - -
Total current liabilities - 1.97M 4.60M 4.35M 2.76M
Current deferred revenue - 1.05M - - -
Net debt -5.21600M 225.25M 192.95M 113.98M 99.34M
Short term debt - 1.05M - - 1.29M
Short long term debt - - - - -
Short long term debt total - 225.25M 196.09M 113.98M 99.35M
Other stockholder equity 2.30M 2.30M -222.38400M -204.24600M -178.52800M
Property plant equipment - - 2.62M 2.46M 2.71M
Total current assets 441.06M 0.00100M 3.14M 1.74M 0.00100M
Long term investments 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Net tangible assets - - 224.88M 206.75M 180.83M
Short term investments - - - - -
Net receivables 437.27M 0.05M 1.60M 1.74M 1.11M
Long term debt - - - - 97.95M
Inventory - - - - -
Accounts payable 3.29M 0.92M 4.60M 4.35M 2.76M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 230.14M 224.49M 206.35M 180.63M
Additional paid in capital - - - - -
Common stock total equity - - - - 1.72M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -2.52700M 464.54M -2.61600M -2.45500M -2.71300M
Deferred long term asset charges - - - - -
Non current assets total 3.99M 466.85M 2.62M 2.46M 2.71M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Investments -0.68500M -0.18900M -0.66000M -0.28400M -1.11200M
Change to liabilities - - 0.26M 1.58M -0.36300M
Total cashflows from investing activities -0.68500M -0.18900M -0.66000M -0.28400M -1.11200M
Net borrowings -26.88100M 28.88M 82.10M 14.64M -19.38700M
Total cash from financing activities -59.09100M -2.50100M 66.56M 2.38M -32.48300M
Change to operating activities - - -97.17600M -42.48900M 21.33M
Net income 44.83M 25.44M 48.91M 50.79M 21.70M
Change in cash 5.21M -3.13600M 3.14M -0.65500M -0.65500M
Begin period cash flow 0.00100M 3.14M 0.00100M 0.00100M 0.66M
End period cash flow 5.22M 0.00100M 3.14M 0.00100M 0.00100M
Total cash from operating activities 64.99M -0.44600M -62.76000M -2.09400M 32.94M
Issuance of capital stock 0.00000M 0.00000M 0.00100M 0.00100M 0.00200M
Depreciation 0.48M 0.51M 0.53M 0.53M 0.52M
Other cashflows from investing activities 0.04M 0.08M - - 0.10M
Dividends paid 13.96M 16.15M 15.55M 12.26M 13.10M
Change to inventory - - - - -
Change to account receivables 0.01M -42.06900M - - -
Sale purchase of stock - - 11.48M 11.49M 24.98M
Other cashflows from financing activities -18.24700M -15.22800M 82.12M 14.65M -19.37100M
Change to netincome - - -0.08200M 0.30M -3.19300M
Capital expenditures 0.73M 0.27M 0.83M 0.38M 1.22M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 27.25M -41.06500M -96.91400M -40.93800M 20.90M
Stock based compensation - 0.00000M 0.00600M 0.04M 0.07M
Other non cash items -7.56700M 14.67M -97.00300M -40.60500M 17.77M
Free cash flow 64.27M -0.71100M -63.58600M -2.47100M 31.73M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
SUS
S&U plc		 -12.5 0.64% 1935.00 11.83 9.30 3.52 1.02 4.66 9.84
IPF
International Personal Finance PLC		 - -% 247.50 10.25 9.48 0.73 0.99 1.77
FCH
Funding Circle Holdings PLC		 2.60 1.89% 140.00 10.00 14.04 1.97 1.67 2.25 15.97
ASAI
ASA International Group PLC		 5.40 2.76% 201.40 6.19 3.58 0.89 1.77 2.72
TRU
Trufin PLC		 3.00 2.26% 136.00 13.40 - 1.92 2.41 1.62 7.93

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Profile

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

2 Stratford Court, Solihull, United Kingdom, B90 4QT

Key Executives

Name Title Year Born
Mr. Anthony Michael Vincent Coombs M.A. (Oxon) Chairman & MD 1953
Mr. Christopher H. Redford A.C.A. Group Financial Director, Company Sec. & Exec. Director 1966
Mr. Thomas Graham Wheeler CEO of Advantage Fin. & Exec. Director 1963
Mr. Jack Edward-Clifford Coombs Group Devel. Exec. & Director 1988
Mr. Edward Ahrens Managing Director of Aspen Bridging Limited NA
Mr. Anthony Michael Vincent Coombs M.A., M.A. (Oxon) Chairman & MD 1952
Mr. Jack Edward-Clifford Coombs A.C.A., M.A. Group Development Executive & Director 1987
Mr. Edward Henry Ahrens CEO of Aspen Bridging & Executive Director 1970
Ms. Manjeet Kaur Bhogal A.C.M.A., CGMA Company Secretary NA
Mr. Karl Werner Chief Executive Officer of Advantage Finance NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.