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About the company
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.
- Revenue in GBP (TTM)115.44m
- Net income in GBP25.44m
- Incorporated1938
- Employees224.00
- LocationS&U PLCStratford Court, Cranmore BoulevardSOLIHULL B90 4QTUnited KingdomGBR
- Phone+44 121 705 7777
- Fax+44 121 705 7878
- Websitehttps://www.suplc.co.uk/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASA International Group PLC | -100.00bn | -100.00bn | 47.12m | 13.60k | -- | 0.8326 | -- | -- | -- | -- | -- | 0.5659 | -- | -- | -- | -- | -- | 3.11 | -- | 6.19 | -- | -- | -- | 9.38 | -- | -- | 0.8249 | 0.00 | -5.97 | 11.17 | 103.62 | -9.21 | 20.69 | -- |
| West Bromwich Building Society | 245.50m | 21.60m | 53.36m | 626.00 | -- | 0.2486 | 1.90 | 0.4973 | -- | -- | 83.26 | 339.85 | -- | -- | -- | -- | 0.3745 | 0.231 | -- | -- | -- | -- | 20.13 | 16.90 | -- | -- | -- | -- | 45.90 | 5.11 | 7.38 | 27.10 | 1.90 | -- |
| Trufin PLC | 18.13m | -5.51m | 73.03m | 191.00 | -- | 2.05 | -- | 4.03 | -0.059 | -0.0682 | 0.1817 | 0.3359 | 0.3122 | -- | 8.00 | 94,926.70 | -10.98 | -12.69 | -14.56 | -16.62 | 72.27 | 65.70 | -35.17 | -69.94 | -- | -1,806.50 | 0.1596 | -- | 30.82 | 32.95 | 18.34 | -- | 11.91 | -- |
| Bango plc | 37.04m | -7.09m | 93.92m | 274.00 | -- | 4.25 | 375.88 | 2.54 | -0.0925 | -0.0925 | 0.4828 | 0.2876 | 0.6529 | -- | 2.07 | 135,176.50 | -12.50 | -5.48 | -23.84 | -7.75 | 85.95 | 90.92 | -19.15 | -10.20 | -- | -1.01 | 0.2761 | -- | 61.80 | 39.19 | -312.43 | -- | 37.33 | -- |
| Vanquis Banking Group PLC | 600.20m | -6.00m | 124.78m | 1.91k | -- | 0.214 | 5.78 | 0.2079 | -0.0242 | -0.0242 | 2.37 | 2.27 | 0.2044 | -- | 11.27 | 314,570.20 | -0.2044 | 1.73 | -0.2103 | 1.82 | 99.72 | -- | -0.9997 | 7.63 | -- | 2.58 | 0.8131 | 42.55 | 12.42 | -11.27 | -107.29 | -- | 11.57 | -9.71 |
| Litigation Capital Management Ltd | 43.73m | 21.22m | 127.97m | -- | 5.74 | 1.36 | 6.01 | 2.93 | 0.1904 | 0.1904 | 0.3876 | 0.8068 | 0.2028 | -- | 3.18 | -- | 9.84 | 7.56 | 10.17 | 7.95 | 24.70 | -- | 48.52 | 34.91 | -- | 5.84 | 0.2439 | 1.03 | 8.34 | 19.65 | -9.03 | 29.64 | -4.90 | -- |
| Funding Circle Holdings PLC | 170.90m | -38.30m | 165.25m | 893.00 | -- | 0.6778 | -- | 0.967 | -0.1112 | -0.1112 | 0.4962 | 0.6831 | 0.4514 | -- | 9.26 | -- | -10.12 | -5.64 | -13.30 | -10.70 | -- | -- | -22.41 | -21.30 | -- | -- | 0.2197 | -- | 11.34 | 3.79 | -455.07 | -- | -1.71 | -- |
| H & T Group PLC | 220.78m | 21.08m | 180.35m | 1.11k | 8.47 | 1.02 | 5.65 | 0.8169 | 0.4842 | 0.4842 | 5.08 | 4.03 | 0.9527 | 4.39 | 1.85 | 199,075.80 | 9.10 | 7.55 | 9.65 | 8.16 | 24.33 | 24.73 | 9.55 | 8.84 | 11.48 | 9.36 | 0.2681 | 37.13 | 26.93 | 9.07 | 41.38 | 13.99 | 34.58 | 9.10 |
| S&U PLC | 115.44m | 25.44m | 226.31m | 224.00 | 8.90 | 0.9665 | 8.72 | 1.96 | 2.09 | 2.09 | 9.49 | 19.27 | 0.258 | -- | 75.87 | -- | 5.68 | 8.18 | 5.78 | 8.35 | 80.23 | 79.28 | 22.04 | 29.32 | -- | 3.23 | 0.4903 | 50.84 | 12.39 | 6.83 | -24.56 | -1.89 | -20.41 | 0.3367 |
| International Personal Finance Plc | 767.80m | 48.00m | 228.08m | 6.56k | 5.03 | 0.4531 | 2.95 | 0.2971 | 0.2017 | 0.2017 | 3.23 | 2.24 | 0.6507 | -- | 1.14 | 117,132.00 | 4.07 | 2.67 | 4.98 | 3.24 | 90.26 | 91.10 | 6.25 | 4.39 | -- | 40.95 | 0.5162 | 46.34 | 18.95 | -2.39 | -15.49 | -8.64 | -2.76 | -3.64 |
| Equals Group PLC | 83.34m | 7.35m | 236.41m | 268.00 | 31.91 | 4.76 | 15.86 | 2.84 | 0.0395 | 0.0395 | 0.4422 | 0.2644 | 1.17 | 212.70 | 7.70 | 310,959.00 | 10.53 | -2.75 | 15.08 | -3.49 | 50.87 | 57.10 | 8.99 | -4.21 | 1.40 | 30.23 | 0.0734 | -- | 58.04 | 35.14 | 233.54 | 48.57 | 80.63 | -- |
| LSL Property Services plc | 179.79m | -28.80m | 276.59m | 3.95k | -- | 3.28 | -- | 1.54 | -0.2821 | -1.03 | 1.75 | 0.8109 | 0.8134 | -- | 5.02 | 45,563.36 | -13.08 | 5.80 | -17.58 | 8.01 | -- | -- | -16.09 | 5.71 | -- | 10.80 | 0.091 | 46.95 | -33.46 | -6.94 | -142.55 | -- | -2.22 | 0.1764 |
Data as of Apr 18 2024. Currency figures normalised to S&U PLC's reporting currency: UK Pound GBX
8.05%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| IG Markets Ltd.as of 08 Feb 2024 | 197.00k | 1.62% |
| True Value Investments SGIIC SAas of 31 Dec 2023 | 171.04k | 1.41% |
| Renta 4 Sociedad de Valores SAas of 08 Feb 2024 | 131.00k | 1.08% |
| Renta 4 Gestora SGIIC SAas of 31 Dec 2023 | 91.37k | 0.75% |
| Rothorn Partners SARLas of 31 Dec 2021 | 75.00k | 0.62% |
| Aberforth Partners LLPas of 08 Feb 2024 | 74.00k | 0.61% |
| Columbia Wanger Asset Management LLCas of 08 Feb 2024 | 64.50k | 0.53% |
| PGGM Vermogensbeheer BVas of 08 Feb 2024 | 60.00k | 0.49% |
| Hargreaves Lansdown Asset Management Ltd.as of 08 Feb 2024 | 59.00k | 0.49% |
| Dimensional Fund Advisors LPas of 29 Feb 2024 | 55.18k | 0.45% |
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Data from 31 Dec 2021 - 02 Apr 2024Source: FactSet Research Systems Inc.
