S&U Share Price (SUS)

Share Name	Share Symbol	Market	Type	Share ISIN	Share Description
S & U	LSE:SUS	London	Ordinary Share	GB0007655037	ORD 12 1/2P

	Price Change	% Change	Share Price	Shares Traded	Last Trade
	+5.00p	+0.20%	2,450.00p	7,797	16:35:18
Bid Price		Offer Price	High Price	Low Price	Open Price
2,450.00p		2,500.00p	2,520.00p	2,400.00p	2,400.00p

Industry Sector	Turnover (m)	Profit (m)	EPS - Basic	PE Ratio	Market Cap (m)
Nonequity Investment Instruments	79.8	30.2	203.8	12.0	294.03

Related Shares
Close Brothers (CBG), Provident Financial (PFG), Spinnaker Opportunities (SOP), Emmerson (EML)

S&U (SUS) Latest News

S&U News

Date	Time	Source	Headline
19/4/2018	10:58	UKREG	S & U PLC Exercise of Options and Total Voting Rights
17/4/2018	14:07	UKREG	S & U PLC Annual Financial Report
10/4/2018	15:13	UKREG	S & U PLC Director/PDMR Shareholding
27/3/2018	13:11	ALNC	S&U Annual Profit Rises As It Looks To Year Ahead With Confidence
27/3/2018	08:11	ALNCF	Alliance News Flash Headline
27/3/2018	07:00	UKREG	S & U PLC Preliminary Results
28/2/2018	15:22	UKREG	S & U PLC Notification of Major Holdings
28/2/2018	15:19	UKREG	S & U PLC Notification of Major Holdings
09/2/2018	09:54	ALNC	S & U Increases Second Interim Dividend After Strong Year-End
09/2/2018	07:00	UKREG	S & U PLC Trading Statement

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S&U (SUS) Discussions and Chat

S&U Forums and Chat

Date	Time	Title	Posts
27/3/2018	13:01	S&U - is it the most	1,372
22/9/2011	13:55	Another new high - how far will it go?????????	1
24/11/2006	15:12	For goodness sake check these fundamentals!	12
14/4/2002	22:48	S & U revised forcasts and predictions	11
14/4/2002	10:38	S & U (SUS) Anyone fancy this ahead of the results???	22

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S&U (SUS) Top Chat Posts

Date	Subject
22/4/2018 09:20	S&U Daily Update: S & U is listed in the Nonequity Investment Instruments sector of the London Stock Exchange with ticker SUS. The last closing price for S&U was 2,445p. S & U has a 4 week average price of 2,240p and a 12 week average price of 2,040p. The 1 year high share price is 2,520p while the 1 year low share price is currently 1,870p. There are currently 12,001,159 shares in issue and the average daily traded volume is 31,956 shares. The market capitalisation of S & U is £294,028,395.50. Read Full Thread Reply
10/11/2017 13:52	firtashia: Positive movement in the share price since the start of the month, hopefully indicating a change in sentiment(at last). Read Full Thread Follow Reply
09/10/2017 12:11	cwa1: Hoping this hasn't been posted before. Edison analysis:- http://www.edisoninvestmentresearch.com/research/report/su769468/full Snippet:- Outlook While there is regulatory concern over the growth in consumer lending in general, including the overall motor finance market, S&U does not offer PCP contracts, which have been the main source of growth and concern in this area. With most of its lending being used to fund used cars (average loan c £6,200), which provide customers with transport to work, S&U sees its main risk exposure as being to a worsening of credit conditions generated by higher unemployment rather than a fall in motor residual values (see page 5). Meanwhile, although unit sales of second-hand cars have softened, there is still scope for S&U to gain market share (from c 1%) and it reports robust and good quality demand. Valuation: Still cautious Taking into account our peer comparison and a valuation based on an ROE/COE model, we maintain our valuation at 2,700p per share suggesting significant upside from the current share price. Reversing the ROE/COE calculation suggests that the current price is factoring in a cautious cost of equity of nearly 12%. Read Full Thread Follow Reply
26/9/2017 11:49	westcountryboy: Hi jeffian - don't shoot the messenger! I am just looking for explanations of share price weakness. What is your reasoning as to why the share price is lower than it was 3.5 years ago? cheers WCB Read Full Thread Follow Reply
26/9/2017 10:56	westcountryboy: Well it's a large holding for me too, though I am not really in love with it because it's some time since it has made me proper money :-( Thinking on why the share price has not done better since the disposal of the main business three years ago now, one thing that leaps out is the increase in debt. For many years the old business chugged alone with about £20m of net debt. Now it is up to £80m, though admittedly there is some seasonality and one would expect it to fall a bit by the end of Full year. The amount lent out, which is the great bulk of the non-current assets, is much larger than the total under the old business, though there were then two divisions. So yes EPS has grown reliably and with it the dividend which has doubled in five years. But this has become a less conservative company and though the directors restated today their belief that the business is stable and can grow for many years, clearly the market regards this degree of exposure to the car finance market as riskier than was the case with the old company, and less certain to keep expanding through good and not so good economic conditions. Read Full Thread Follow Reply
31/7/2017 18:23	pugugly: Dear both - Thanks for your thoughts - Must be a presentation done previouly as the link above states "Published on 9 Jun 2017" My own gut feel, is as you suggest, he is ahead of timeline. I like and have held SUS for many years and agree with funding requirement target market - Share price weakness may just be a knock on from Provident financial (PFG) and or press comments on BOE looking to tighten credit but need to keep on top of possible weaknesses in the business model. Read Full Thread Follow Reply
27/7/2017 17:28	jeffian: The continued share price weakness is disappointing but I suspect it is a result of the market's lack of understanding of this little-followed company. The fact that it is generically in 'car financing' has probably tarred it with the brush started by the Governor of the BoE, despite it not being in the sort of loan/rental business pushed by the big dealerships which were under suspicion. I bet people also still associate it with 'doorstep lending', despite it exiting that business, and recent concerns about Provident Financial's 'home collection' model may be reading across to SUS. In the longer term, growing profits and dividends will support the share price but at the moment we seem a bit unloved. Read Full Thread Follow Reply
18/5/2017 07:19	cwa1: Not quite the disastrous statement that the share price seemed to be foretelling :-) 18(th) May 2017 S&U plc ("S&U" or "the Group") AGM Statement and Trading Update S&U, the motor finance and specialist lender, issues a trading update for the period from its full year results on 1(st) February 2017 up to 17th May 2017, prior to its AGM being held today. Business at Advantage Finance our motor finance subsidiary remains excellent. Applications in the first quarter were a record, new loan transaction numbers are a fifth higher than for the same period last year and average new loan quality is ahead of Q1 last year. Net receivables now stand at GBP210m, up 30% on last year, and customer numbers have now passed 46,000, another record for Advantage. Although rolling 12 months impairment to revenue has slightly increased to 21.0% (31 January 17: 20.1%), reflecting product mix, Advantage's overall debt quality is good and monthly collections now exceed GBP9m per month. Aspen Bridging, our new bridging finance pilot operation, has started trading and is expanding its broker network and refining its product offering. Further investment in our receivables has seen Group borrowings increase to GBP65m against GBP49m at year end. Current facilities give us significant headroom for continued growth. S&U have also announced the appointment of Peel Hunt LLP as their new brokers. Commenting on S&U's trading and outlook, Anthony Coombs, S&U Chairman, said: "Advantage Finance continues to prosper in a resilient economic climate, and a stable regulatory environment. Our confidence in the Group's steady and sustainable growth remains as strong as ever." Read Full Thread Follow Reply
15/4/2017 19:04	jeffian: As mentioned above, the SUS share price seems decidedly nervy recently and I wonder whether it has to do with reports in today's papers that the Govt are thinking of cracking down on car finance schemes which seem to be a big factor behind the increase in private debt. From what I have read, they seem to be mainly worried about the contract hire/leasing deals offered by dealers and manufacturers but I am not clear whether this is the model used by S&U's Advantage Finance. I get the impression theirs is a are traditional 'Hire Purchase' sort of scheme. Is this a threat to S&U's business model? Read Full Thread Follow Reply
28/3/2017 10:16	tudes100: Loan book has increased significantly in scale due to the funds that became available from the sale of the home credit division last yr. As a result it looks like the proportion of impaired loans has increased & they've probably pushed the envelope a little more aggressively than they have in the past. Worth considering though that approx 11-12% of loans were impaired in both 2010 & 2011 and this does not seem to have hampered progress in both profitability & the share price since. S&U have a reputation for managing the business conservatively which is exactly the reason John Lee had a long term shareholding in the company and why many here are happy to be patient and trust the Coombs family. I guess what it really comes down to is whether you think the company has the expertise to manage the level of impairment through the complete business cycle. Have a look at business performance between 2007-2009 which should give you a very clear answer in my opinion. Always appreciate another view though Aleman ! Read Full Thread Follow Reply
10/2/2017 09:57	haywards26: These should be at a share price of around £24-25 imo Read Full Thread Follow Reply

S&U share price data is direct from the London Stock Exchange

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