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S&U plc

Financial Services GB SUS

2090.0GBX
70.00(3.47%)

Last update at 2026-03-10T15:50:00Z

Day Range

2038.002100.00
LowHigh

52 Week Range

1836.622464.54
LowHigh

Fundamentals

  • Previous Close 2020.00
  • Market Cap263.67M
  • Volume14863
  • P/E Ratio8.04
  • Dividend Yield7.78%
  • Revenue TTM82.45M
  • Revenue Per Share TTM6.79
  • Gross Profit TTM 71.54M
  • Diluted EPS TTM2.70

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 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Income before tax 41.41M 47.02M 18.13M 35.13M 34.56M
Minority interest - - - - -
Net income 33.72M 37.98M 14.65M 28.88M 27.99M
Selling general administrative 16.26M 14.21M 11.10M 12.86M 11.18M
Selling and marketing expenses - - - - -
Gross profit 95.36M 84.26M 80.33M 85.23M 45.74M
Reconciled depreciation 0.53M 0.53M 0.52M 0.45M 0.41M
Ebit 40.88M 46.49M 17.61M 34.68M 38.96M
Ebitda 41.41M 47.02M 18.13M 35.13M 39.37M
Depreciation and amortization 0.53M 0.53M 0.52M 0.45M 0.41M
Non operating income net other - - - - -
Operating income 40.88M 46.49M 17.61M 34.68M 34.56M
Other operating expenses 39.93M 32.98M 62.02M 49.95M -
Interest expense 7.35M 3.63M 3.47M 4.71M 4.40M
Tax provision 7.69M 9.04M 3.48M 6.25M 6.57M
Interest income 0.00000M 87.89M 0.04M 89.94M 89.22M
Net interest income -7.35400M -3.63000M -3.42600M 85.23M 84.82M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 7.69M 9.04M 3.48M 6.25M 6.57M
Total revenue 95.36M 84.26M 80.33M 85.23M 84.82M
Total operating expenses 39.93M 32.98M 25.36M 32.73M 26.93M
Cost of revenue - - 14.26M 19.87M 38.94M
Total other income expense net 41.41M 47.02M 18.13M 35.13M 0.00000M
Discontinued operations - - - - -
Net income from continuing ops 33.72M 37.98M 14.65M 28.88M 27.99M
Net income applicable to common shares 33.72M 37.98M 14.65M 28.88M 27.99M
Preferred stock and other adjustments - - - - -
Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Total assets 428.17M 327.23M 284.84M 306.08M 280.81M
Intangible assets - - - - -
Earning assets - - - - -
Other current assets - 1.44M 0.94M 0.98M 0.57M
Total liab 203.29M 120.48M 103.81M 126.61M 115.45M
Total stockholder equity 224.88M 206.75M 181.03M 179.47M 165.37M
Deferred long term liab - - - - -
Other current liab -4.60200M -4.34700M -2.76300M -3.12600M 5.69M
Common stock 1.72M 1.72M 1.72M 1.72M 1.50M
Capital stock 1.72M 1.72M 1.72M 1.72M 1.70M
Retained earnings 220.87M 202.73M 177.01M 175.46M 161.37M
Other liab - - - - -
Good will - - - - -
Other assets 422.42M 323.03M 282.12M 303.32M 280.81M
Cash 3.14M 0.00100M 0.00100M 0.66M 0.00100M
Cash and equivalents - - - - -
Total current liabilities 4.60M 4.35M 2.76M 3.13M 6.72M
Current deferred revenue - - - - -
Net debt 192.95M 113.98M 99.34M 118.08M 108.31M
Short term debt - - 1.29M - 0.04M
Short long term debt - - - - -
Short long term debt total 196.09M 113.98M 99.35M 118.73M 108.31M
Other stockholder equity -222.38400M -204.24600M -178.52800M 3.69M 3.56M
Property plant equipment 2.62M 2.46M 2.71M 2.11M 2.30M
Total current assets 3.14M 1.74M 0.00100M 0.66M 278.12M
Long term investments 0.00000M 0.00000M 0.00000M - 0.00000M
Net tangible assets 224.88M 206.75M 180.83M 179.27M 165.17M
Short term investments - - - - -
Net receivables 1.60M 1.74M 1.11M 1.47M 0.48M
Long term debt - - 97.95M 118.95M 108.45M
Inventory - - - - -
Accounts payable 4.60M 4.35M 2.76M 3.13M 0.44M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 224.49M 206.35M 180.63M -1.58700M -1.25900M
Additional paid in capital - - - - -
Common stock total equity - - 1.72M 1.51M 1.50M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -2.61600M -2.45500M -2.71300M -2.10800M -
Deferred long term asset charges - - - - -
Non current assets total 2.62M 2.46M 2.71M 2.11M -
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Investments -0.66000M -0.28400M -1.11200M -0.26500M -0.78500M
Change to liabilities 0.26M 1.58M -0.36300M 0.99M -0.41000M
Total cashflows from investing activities -0.66000M -0.28400M -1.11200M -0.26500M -0.78500M
Net borrowings 82.10M 14.64M -19.38700M 10.42M 3.32M
Total cash from financing activities 66.56M 2.38M -32.48300M -4.02600M -9.74500M
Change to operating activities -97.17600M -42.48900M 21.33M -24.96900M -18.44300M
Net income 48.91M 50.79M 21.70M 39.98M 39.10M
Change in cash 3.14M -0.65500M -0.65500M 0.66M 0.66M
Begin period cash flow 0.00100M 0.00100M 0.66M 0.00100M 0.00100M
End period cash flow 3.14M 0.00100M 0.00100M 0.66M 0.00100M
Total cash from operating activities -62.76000M -2.09400M 32.94M 4.95M 10.53M
Issuance of capital stock 0.00100M 0.00100M 0.00200M 0.01M 0.01M
Depreciation 0.53M 0.53M 0.52M 0.45M 0.41M
Other cashflows from investing activities - - 0.10M 0.04M 0.04M
Dividends paid 15.55M 12.26M 13.10M 14.46M 13.08M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 11.48M 11.49M 24.98M 0.01M 0.01M
Other cashflows from financing activities 82.12M 14.65M -19.37100M 10.42M 3.32M
Change to netincome -0.08200M 0.30M -3.19300M -0.40400M 0.98M
Capital expenditures 0.83M 0.38M 1.22M 0.30M 0.83M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -96.91400M -40.93800M 20.90M -24.06700M -19.04100M
Stock based compensation 0.00600M 0.04M 0.07M 0.10M 0.20M
Other non cash items -97.00300M -40.60500M 17.77M -24.38600M -10.14700M
Free cash flow -63.58600M -2.47100M 31.73M 4.64M 9.70M

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		 70.00 3.47% 2090.00 8.04 8.55 3.18 1.11 3.70 9.84
47IE
S&U plc		 - -% 0.65 - - 5.12 -
VANQ
Vanquis Banking Group PLC		 2.40 2.14% 114.40 7.97 - - -
IPF
International Personal Finance PLC		 5.00 2.06% 248.00 6.32 6.13 0.37 0.58 1.55
ASAI
ASA International Group PLC		 8.00 3.77% 220.00 7.55 4.39 1.09 2.14 2.96

Reports Covered

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Profile

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 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

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.