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S & U ORD GBP0.125

Symbol: SUS

Whilst we endeavour to price investments on a real-time streaming or 15 min delayed basis, some prices may be as at close of business from the previous working day.

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Overview

Core Data
Latest Dividend Information

Ex-Dividend Date 3 Jul 2025
Pay Date 25 Jul 2025
Total Dividends - Year to Date0
Dividend Yield (%)0

Historical Data & Ratios

Avg Volume Over 10 Days0.0055
Market Cap (M)177.4011
Price/Earnings (PE)9.905
Earnings Per Share147.4
Revenue Per Share9.5147
Return on Equity %7.5864

1 Month Performance Chart

One Month Chart

Broker View
Data shown is based on the past 75 days of broker views.

ActionBrokers

Strong Buy0

Buy0

Neutral2

Sell0

Strong Sell0
Brokers 0 0 2 0 0
Consensus

ConsensusNeutral

Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

Cost and Charges Information

This calculator provides you with costs and charges information regarding our charges and, where relevant, the costs within this investment product

Account Type

  • Investment Account
  • Stocks & Shares ISA
  • SIPP

Annual charges

These are the annual costs based on an initial investment amount of over 1 year assuming a net zero growth rate

Cost Category % of Investment lump sum costs
Our annual fee

Our annual fee

Includes our platform fee at 0.30% per annum (excluding Charles Stanley Multi Asset Funds and anycash held). The min fee is £60, the max is £600 per annum, plus SIPP administration fee (if applicable, only charged if < £30,000 held) – see here 		0.30%
Dealing charges

Dealing charges

Any one-off commission charges associated with investing. Note that government taxes and levies are not included. This does not include any commission credits you may have available 		N/A
Product provider costs

Product provider costs

Product provider costs shown are inclusive of the fund ongoing charges figure (OCF), transaction costs and incidental costs 		N/A N/A
Total (£)

Total (£)

Costs per annum displayed in monetary value
Total (%)

Total (%)

Costs per annum displayed as a percentage of investment value

Cumulative effect of charges on your investment's return

This illustration assumes that costs occur evenly throughout the year, charges are paid out of the investment evenly throughout the year, and that an annual growth rate of applies evenly throughout the year, before any charges including product charges

lump sum invested with an assumed growth rate of 1 year years
What you might get back at  with no charges applied

What you might get back at  with no charges applied

These are the illustrative values of a  investment after growth and no costs applied at the end of the defined period
Annual charges

Annual charges

These are the annual costs based on an initial investment amount of assuming a net zero growth rate
Effect of charges on return (%)

Effect of charges on return (%)

These are the overall costs in percentage terms, based on an initial investment amount of assuming a growth rate
Effect of charges on return (£)

Effect of charges on return (£)

These are the overall costs in monetary value, based on an initial investment amount of assuming a growth rate
What you might get back at with charges applied

What you might get back at with charges applied

These are the illustrative values of a investment after growth and costs at the end of the defined period

This illustration is not a forecast of future investment performance but merely a means to demonstrate the potential impact of costs and charges for an assumed return of . Whilst we make reasonable endeavours to ensure the accuracy of third party charges information, this is intended for illustrative purposes only and should not be relied upon. We do not warrant or represent that this information is accurate, complete or up to date, therefore we accept no responsibility or liability for its use

Charts

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      Company

      Business Summary

      S&U plc is a United Kingdom-based motor finance and specialist lender. The Company's trading subsidiaries include Advantage Finance Limited (Advantage Finance) and Aspen Bridging Limited (Aspen Bridging). Advantage Finance is a motor finance company in the United Kingdom. Advantage Finance is focused on the non-prime used car market. Advantage Finance operates in the used car sector offering loans of up to £15,000 on a hire purchase (HP) basis. It accesses its market through over 40 Internet and dealer introducer brokers, direct to dealers and through re-finance from customers. It is focused on the non-prime section of the market lending to working customers to meet their requirement for cars for work and for family purposes. Aspen Bridging caters for the short-term refurbishment and residential markets. Aspen Bridging lends up to £10m per deal with an average loan of £900,000.

      Financial Summary

      BRIEF: For the six months ended 31 July 2024, S&U PLC revenues increased 9% to £60.4M. Net income decreased 41% to £9.6M. Revenues reflect Motor Finance segment increase from £47.5M to £98.2M, Property bridging finance segment increase from £7.9M to £17.3M. Net income was offset by United Kingdom segment income decrease of 20% to £22.4M. Dividend per share decreased from £0.35 to £0.30.

      Financials


      Income Statement - All values are in GBP (M).

      Year Ending

      31/01/2025

      31/01/2024

      31/01/2023

      31/01/2022

      31/01/2021

      31/01/2020

      Total Revenue 115.61 115.44 102.71 87.89 83.76 89.94
      Gross profit 99.23 92.62 79.04 69.12 69.50 70.07
      Operating Profit/Loss 42.09 48.65 48.91 50.79 21.70 39.98
      Profit Before Tax 23.98 33.58 41.41 47.02 18.13 35.13
      Profit After Tax 17.91 25.44 33.72 37.98 14.65 28.88
      Equity Holders of Parent Company 17.91 25.44 33.72 37.98 14.65 28.88
      Minority Interest NIL NIL NIL NIL NIL NIL


      Balance Sheet - All values are in GBP (M).

      Year Ending

      31/01/2025

      31/01/2024

      31/01/2023

      31/01/2022

      31/01/2021

      31/01/2020

      Total Non-Current Assets 206.08 244.45 222.03 184.19 173.41 197.81
      Total Current Assets 238.97 222.40 206.14 143.04 111.43 108.28
      Total Assets 445.06 466.85 428.17 327.23 284.84 306.08
      Total Liabilities 206.98 232.68 203.29 120.48 103.81 126.61
      Total Net Assets 238.08 234.16 224.89 206.75 181.03 179.47
      Shareholders Funds 238.08 234.16 224.89 206.75 181.03 179.47
      Minority Interests NIL NIL NIL NIL NIL NIL
      Total Equity 238.08 234.16 224.89 206.75 181.03 179.47

      Outlook

      Broker View
      Data shown is based on the past 75 days of broker views.

      ActionBrokers

      Strong Buy0

      Buy0

      Neutral2

      Sell0

      Strong Sell0
      Brokers 0 0 2 0 0
      Consensus

      ConsensusNeutral

      Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

      © 2022 Refinitiv, an LSEG business. All rights reserved.

      Forecasts

      Year 2026 2027
      Revenue £113.70mn £126.35mn
      Pre-tax-Profit £62.87mn £79.15mn
      EPS £1.93p £2.38p
      EPS Growth 31.09% 23.41%
      P/E 7.82 6.4
      PEG Ratio 0.25 0.27
      Dividend 120.00p 130.00p
      Yield 0.00% 0.00%

      Upgrades & Downgrades (Latest)

      DateBrokerRecommendationPriceOld TargetNew TargetChange
      16th Apr 2025Berenberg BankReiteration1425p0p1700pHold
      13th Aug 2024Berenberg BankReiteration1850p2180p2100pHold
      10th Apr 2024Berenberg BankReiteration1835p0p2180pHold

      Time & Sales

      All prices are in GBX and times are in GMT. Last 20 trades shown. Trade type is estimated and should be treated as indicative only.

      Date Time Price Volume Type
      28 Apr 2025 11:31 1,445 0 Buy
      28 Apr 2025 09:29 1,480 2 Buy
      28 Apr 2025 09:29 1,480 3 Buy
      28 Apr 2025 09:00 1,480 0 Buy
      28 Apr 2025 09:00 1,480 1 Buy
      28 Apr 2025 09:00 1,480 1 Buy
      28 Apr 2025 09:00 1,480 1 Buy
      28 Apr 2025 08:08 1,435 36 Buy
      28 Apr 2025 08:05 1,434.965 250 Buy
      25 Apr 2025 16:35 1,460 5 Sell
      25 Apr 2025 16:28 1,470 135 Buy
      25 Apr 2025 15:49 1,451 4,000 Sell
      25 Apr 2025 14:48 1,465 61 Sell
      25 Apr 2025 14:42 1,495 1 Buy
      25 Apr 2025 12:47 1,480 21 Buy
      25 Apr 2025 12:47 1,480 1 Buy
      25 Apr 2025 12:45 1,455 563 Sell
      25 Apr 2025 11:39 1,450 50 Buy
      25 Apr 2025 09:39 1,475 15 Buy
      25 Apr 2025 09:39 1,475 5 Buy

      Selected data supplied by Thomson Reuters ©  View restrictions.

      Investment involves risk. You may get back less than invested.