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S & U Plc

-70.00 (-2.81%)
Share Name Share Symbol Market Type Share ISIN Share Description
S & U Plc LSE:SUS London Ordinary Share GB0007655037 ORD 12 1/2P
  Price Change % Change Share Price Shares Traded Last Trade
  -70.00 -2.81% 2,420.00 1,836 14:23:27
Bid Price Offer Price High Price Low Price Open Price
2,400.00 2,430.00 2,470.00 2,420.00 2,470.00
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Nondepository Credit Instn 102.71 33.72 - 8.99 294.05
Last Trade Time Trade Type Trade Size Trade Price Currency
12:33:59 AT 62 2,420.00 GBX

S & U (SUS) Latest News

S & U (SUS) Discussions and Chat

S & U (SUS) Most Recent Trades

Trade Time Trade Price Trade Size Trade Value Trade Type

S & U (SUS) Top Chat Posts

Top Posts
Posted at 24/4/2023 12:39 by melloteam
Just to let shareholders and prospective investors know that S&U plc will be presenting on the MelloMonday webinar at 5:35pm today. hTTps://

The programme for the evening is as follows:
5.00 pm Mello welcome and company presentation from Frenkel Topping Group
5.35 pm Company presentation from S&U plc
6.15 pm Amati Global Investor Fund Managers Mikhail Zverev & Graeme Bencke present ChatGPT and the new chapter in Artificial Intelligence technology: opportunities and implications
6.45 pm Company presentation from The Property Franchise Group
7.15 pm De-listing from the market can be de-energising (IBPO horror story)
7.25 pm Mello BASH

There will be over 500 investors attending and these are very popular shows with company presentations, fund manager and investor interviews, and panel sessions.

Tickets are still available and if you would like one at half price then enter the code MMTADVFN50. hTTps://

Posted at 17/4/2023 13:48 by rcturner2
Great recovery in the price here. It looks to me to be heading back up towards 2800p.
Posted at 10/2/2023 09:55 by whittler100
The update is not from Paul Scott but by Graham Neary who follows up on his previous positive review of SUS from a month or two back.
Posted at 09/2/2023 13:11 by kalai1
S&U plc issued a trading update for the period from its trading statement of 8 December 2022 to the Group's year end on 31 January 2023. Current trading in both businesses, Advantage , the motor finance lender , and Aspen , the property bridging lender, remains excellent. This will be reflected in the full year's results which are expected to both meet expectations and exceed budget. S&U continues to grow and perform well despite the background of "political and economic uncertainty", group net receivables have now reached c£420m. Management are proposing a second interim dividend of 38p per ordinary share (2022: 36p). The business has a history of steady growth, the b/s is reasonable, valuation is average with forward PE of 7.7x. The weak domestic UK macro environment is the main cloud on the horizon, lack of share price momentum also suggests SUS is a share to monitor for now...

...from WealthOracle


Posted at 29/9/2022 12:37 by melloteam

Just to let shareholders and prospective investors know that S&U plc, Fintel plc, Brave Bison and Avation plc will be presenting at the Results Round Up Webinar at 2pm on Thursday 29th September 2022.

The programme is as follows:

2.00 pm Amati’s David Stevenson discusses “The Small Cap Discount : Opportunity Knocks” with David Stredder
2.30 pm Company presentation by Fintel
3.00 pm Results Round-up from Graham Neary
3.30 pm Company presentation by Brave Bison
4.00 pm Company presentation by Avation
4.40 pm Introduction to Rex by Kit Atkinson of Peel Hunt
5.00 pm Results Round-up from Mark Simpson including the Good, the Bad and the Ugly
5.30 pm Company presentation by S&U

The event is FREE and there will be over 500 investors attending and these are very popular shows with company presentations, fund manager and investor interviews, and panel sessions. Https://

Posted at 27/9/2022 07:37 by gabsterx
Bulletproof results as usual in spite of all the doom and gloom

Financial Highlights

-- Profit before tax: GBP20.9m (H1 2021: GBP19.9m)
-- Earnings Per Share: 140.7p per share (H1 2021: 133.1p)
-- Net Group Receivables: GBP370.1m (31 July 2021: GBP306.4m)
-- Revenue GBP49.4m (H1:2021 GBP42.8m)
-- First interim dividend: 35p per ordinary share (H1 2021: 33p)
-- Group Gearing at 73% ( 31 July 2021: 61%)
-- Group funding facilities increased to GBP210m from GBP180m post half year

Posted at 10/7/2022 10:48 by tmfmayn
S & U: Record Dividend Delivers 6% Yield After FY 2022 Results Signal Higher Expected Write-Offs And Risk Of ‘Adverse Economic Environment’ #SUS

"NAV per share has gained 46% during the last five years and now represents 81% of the share price"


Posted at 11/3/2022 13:14 by km18
...from last year...

Company overview:
S&U plc is the holding company of Advantage Finance and Aspen Bridging. Advantage is one of the post progressive motor finance companies in the UK. Founded in 1999 it has provided more than 180,000 clients with motor finance, through 150 employees. The focus of the company is used car sector financing of up to £15,000. Advantage is operating through more than 40 dealer and internet brokers, direct to dealers and re-finance from loyal clients.
Aspen Bridging is the younger arm of the group, founded in 2017, aimed at burgeoning short-term refurbishment and residential markets. The nature of the business demands for bigger amounts to be available – up to £5m, with average of £500k.
With zero acquisitions over the past years, organic growth is the name of the game for this Group. The correct evaluation of customers is key for both businesses. Advantage Finance, although receiving nearly 1.5m applications per year, has provided only 190,000 customer loans since inception in 1999. Aspen is relying on the professionalism of its underwriters, to monitor the refurbishment progress and visit the property to ensure anticipated exits through re-finance or sale.
The small cap has outstanding performance this year, according to the two trading updates we have so far. The first one from earlier in May presented as little information as the current from August. However, looking closely, we can see that “profitability was ahead of expectations” in May. Recent update is following the same positive flow with management stating that S&U trading is “ahead of expectations in terms of profitability, collections and book debt quality”. To provide substance, Advantage finance’s risk-adjusted yield is beating the budget, while operational cost is comfortably within budget. This creates a solid base for the company to increase significantly half year profit. Aspen’s performance is also looking good, as the business has benefited from the Government backed CBILS and hopes the portfolio of clients it has managed to create will bring more business opportunities.

Short analysis (FY 2021 while we wait for the Interim report on 28th of September):

Cash decreased significantly, mainly due to a big debt retirement bill of £19.4m
Net debt positive, as cash needs to recover from the withdrawal, and long-term debt sits at £98m
CA/CL = 20.09  
Interest coverage = 6.27
P/S = 4.09
BV ps = 1492, growing at 6.77% CAGR
Operating profit £21.7m, down from £40m in 2020
Gross profit Margin = 83%, up from 78% in 2020

Posted at 09/12/2021 08:11 by cwa1
Strong update by SUS'standards:-

S&U, the specialist motor finance and property bridging lender, today announces its trading update for the period from 1st August 2021 to 8th December 2021. The Group continues its growth rebound and is trading strongly, as the economy tentatively returns to normal despite the continuing uncertainty over the course of the Covid pandemic. Growth is accelerating in both businesses, despite a relative lack of used car supply and a quieter housing transaction market over the past quarter. Credit quality has returned to pre-pandemic highs and remains under close scrutiny. As a result, S&U has laid the trading and financial foundations for a return to its historical levels of significant, sustainable and profitable growth.

Commenting on the Group's performance and outlook, Anthony Coombs, S&U Chairman, said:

"S&U is in very fine form. Credit for this goes to our great people who have not only maintained an excellent service to customers, whatever the personal depredations or uncertainties of Covid, but are also continuously monitoring, planning and adapting within rapidly evolving finance markets. Much of this effort focusses on marketing and product development to attract new customers to enjoy our traditional offer of finance with a human face. That makes for an exciting and profitable future."

Nice :-)

Posted at 28/9/2021 07:20 by pugugly
As ususal very good results and even brighter skies ahead
"S&U is robustly back on track and driving forward to our usual standard of profitable, sustainable growth."

" "As the old saying goes, the finest steel goes through the hottest fire. The Covid induced tribulations of the past year have seen S&U emerge more profitable, more competitive and more attuned to our customers ' needs . Add to that the buoyant markets in which we operate, our strongest ever financial base and our loyal and committed workforce, and prospects for the future are bright indeed."

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