Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
S&U plc (SUS.L)
GBp1,970.00
+35.00 (+1.81%)
GB LSE Financial Services Financial - Credit Services
Address
2 Stratford Court B90 4QT
Solihull, ENG, GB
Solihull, ENG, GB
CEO
Corey Beath
Website
suplc.co.uk
IPO
1988-07-01
ISIN GB0007655037
Also trades on
London Stock Exchange · 47IE.L (GBp)
London Stock Exchange · SUS.L (GBp)
Description
S&U Plc is a holding company, which engages in the provision of motor finance services. It operates through the following segments: Motor Finance, Property Bridging Finance, and Central Costs. The company was founded by Clifford Coombs in 1938 and is headquartered in Birmingham, the United Kingdom.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary
Loading…
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
GBp1,970.00
+35.00 (+1.81%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
7.6K
Beta
0.56
Float Shares
4.08M
Free Float %
33.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.05% | +3.57% | +6.28% | -10.18% | +6.84% | -2.40% | +37.86% | -18.80% | -22.81% | -12.69% | -72.09% |
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From
To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
Loading histogram data…
Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,970.00
DCF (Unlevered)
10,327.52
+424.2%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
80% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | -1 |
| Buy | 4 | +1 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
3.45
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+10.2% Q1'26: +60.0% (vs Q1'24)
-
EPS growth Financial - Credit Services: +24.0%+32.7% ★ Q1'26: +31.6% (vs Q1'24)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-32.7% Q1'26: -87.1% (vs Q1'24)
-
EBIT margin Financial - Credit Services: +28.7%+43.0% ★ Q1'26: +43.1% (vs Q1'24)
-
ROIC Financial - Credit Services: +5.0%+7.0% ★ Q1'26: +14.6% (vs Q1'24)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: +0.0% (vs Q1'24)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×5.19× Q1'26: 2.50× (vs Q1'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jan 2001 actual |
Jan 2002 actual |
Jan 2006 actual |
Jan 2010 actual |
Jan 2011 actual |
Jan 2012 actual |
Jan 2013 actual |
Jan 2014 actual |
Jan 2015 actual |
Jan 2016 actual |
Jan 2017 actual |
Jan 2018 actual |
Jan 2019 actual |
Jan 2020 actual |
Jan 2021 actual |
Jan 2022 actual |
Jan 2023 actual |
Jan 2024 actual |
Jan 2025 actual |
Jan 2026 3 Rev. Ana. 3 EPS Ana. |
Jan 2027 3 Rev. Ana. 3 EPS Ana. |
Jan 2028 3 Rev. Ana. 3 EPS Ana. |
Jan 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
31.89M
est: 28.93M (+10.2%)
|
34.43M
est: 35.12M (-2.0%)
|
41.28M
est: 37.05M (+11.4%)
|
45.80M
est: 46.30M (-1.1%)
|
48.02M
est: 48.82M (-1.6%)
|
51.92M
est: 51.39M (+1.0%)
|
54.55M
est: 55.82M (-2.3%)
|
60.10M
est: 60.88M (-1.3%)
|
34.42M
est: 72.14M (-52.3%)
|
43.27M
est: 43.30M (-0.1%)
|
58.82M
est: 60.32M (-2.5%)
|
76.96M
est: 78.78M (-2.3%)
|
78.43M
est: 90.55M (-13.4%)
|
89.94M
est: 95.93M (-6.2%)
|
83.76M
est: 83.86M (-0.1%)
|
87.89M
est: 87.64M (+0.3%)
|
102.71M
est: 103.81M (-1.1%)
|
100.38M
est: 66.69M (+50.5%)
|
97.49M
est: 115.65M (-15.7%)
|
116.13M
115.18M – 118.09M
+0.4% YoY
|
121.77M
120.00M – 123.10M
+4.9% YoY
|
142.77M
135.30M – 148.68M
+17.2% YoY
|
171.00M
165.04M – 175.67M
+19.8% YoY
|
| EBITDA |
—
est: 10.53M (-100.0%)
|
—
est: 12.53M (-100.0%)
|
9.80M
est: 13.22M (-25.8%)
|
10.89M
est: 11.73M (-7.2%)
|
10.42M
est: 8.46M (+23.2%)
|
12.87M
est: 9.70M (+32.7%)
|
14.92M
est: 13.11M (+13.8%)
|
17.88M
est: 15.45M (+15.7%)
|
14.93M
est: 20.81M (-28.2%)
|
19.90M
est: 15.69M (+26.8%)
|
25.47M
est: 21.95M (+16.0%)
|
30.46M
est: 31.10M (-2.1%)
|
39.52M
est: 31.57M (+25.2%)
|
40.44M
est: 32.49M (+24.5%)
|
22.20M
est: 30.27M (-26.6%)
|
51.32M
est: 33.05M (+55.3%)
|
49.43M
est: 37.74M (+31.0%)
|
49.14M
est: 26.53M (+85.2%)
|
—
est: 45.83M (-100.0%)
|
46.20M
45.82M – 46.97M
+0.8% YoY
|
48.44M
47.73M – 48.97M
+4.9% YoY
|
56.79M
53.82M – 59.14M
+17.2% YoY
|
68.02M
65.65M – 69.88M
+19.8% YoY
|
| EBIT |
-640.0K
est: 10.37M (-106.2%)
|
-694.0K
est: 12.34M (-105.6%)
|
9.33M
est: 13.02M (-28.4%)
|
10.44M
est: 13.52M (-22.8%)
|
10.00M
est: 11.01M (-9.2%)
|
12.42M
est: 11.51M (+7.9%)
|
14.41M
est: 13.91M (+3.6%)
|
17.30M
est: 16.15M (+7.1%)
|
14.77M
est: 21.87M (-32.5%)
|
19.47M
est: 12.71M (+53.3%)
|
25.22M
est: 22.87M (+10.3%)
|
30.17M
est: 35.13M (-14.1%)
|
39.11M
est: 37.68M (+3.8%)
|
39.99M
est: 41.74M (-4.2%)
|
21.68M
est: 39.38M (-44.9%)
|
50.79M
est: 43.00M (+18.1%)
|
48.90M
est: 37.17M (+31.6%)
|
48.63M
est: 26.19M (+85.7%)
|
-482.0K
est: 45.23M (-101.1%)
|
45.60M
45.23M – 46.37M
+0.8% YoY
|
47.81M
47.12M – 48.34M
+4.9% YoY
|
56.06M
53.12M – 58.38M
+17.2% YoY
|
67.14M
64.80M – 68.98M
+19.8% YoY
|
| Net Income |
5.30M
est: 5.43M (-2.4%)
|
6.43M
est: 6.10M (+5.3%)
|
6.48M
est: 6.69M (-3.1%)
|
6.62M
est: 8.35M (-20.7%)
|
7.19M
est: 6.83M (+5.2%)
|
9.08M
est: 7.41M (+22.5%)
|
10.88M
est: 9.71M (+12.0%)
|
13.33M
est: 11.86M (+12.4%)
|
11.85M
est: 16.18M (-26.8%)
|
15.89M
est: 14.26M (+11.4%)
|
20.34M
est: 74.46M (-72.7%)
|
24.41M
est: 26.59M (-8.2%)
|
27.99M
est: 27.89M (+0.3%)
|
28.88M
est: 29.88M (-3.3%)
|
14.65M
est: 28.44M (-48.5%)
|
37.98M
est: 31.06M (+22.3%)
|
33.72M
est: 33.48M (+0.7%)
|
25.44M
est: 18.82M (+35.2%)
|
17.91M
est: 17.91M (+0.0%)
|
23.40M
23.19M – 24.36M
+30.6% YoY
|
26.39M
26.16M – 26.61M
+12.8% YoY
|
31.60M
29.42M – 31.83M
+19.8% YoY
|
36.47M
34.82M – 37.77M
+15.4% YoY
|
| SGA |
—
est: 4.87M (-100.0%)
|
—
est: 23.65M (-100.0%)
|
17.31M
est: 6.12M (+183.0%)
|
19.33M
est: 31.18M (-38.0%)
|
19.94M
est: 20.38M (-2.2%)
|
21.24M
est: 20.99M (+1.2%)
|
21.77M
est: 23.07M (-5.7%)
|
23.10M
est: 23.74M (-2.7%)
|
7.12M
est: 28.05M (-74.6%)
|
7.34M
est: 5.50M (+33.4%)
|
8.59M
est: 7.90M (+8.7%)
|
9.92M
est: 11.22M (-11.6%)
|
11.18M
est: 11.34M (-1.4%)
|
12.86M
est: 11.93M (+7.8%)
|
11.10M
est: 12.67M (-12.4%)
|
14.21M
est: 13.83M (+2.7%)
|
16.26M
est: 17.47M (-6.9%)
|
19.77M
est: 9.47M (+108.7%)
|
18.83M
est: 16.36M (+15.1%)
|
16.49M
16.35M – 16.77M
+0.8% YoY
|
17.29M
17.04M – 17.48M
+4.9% YoY
|
20.27M
19.21M – 21.11M
+17.2% YoY
|
24.28M
23.43M – 24.94M
+19.8% YoY
|
| EPS |
0.44
est: 0.45 (-1.6%)
|
0.54
est: 0.51 (+5.9%)
|
0.54
est: 0.55 (-2.2%)
|
0.55
est: 0.56 (-2.5%)
|
0.60
est: 0.61 (-1.4%)
|
0.76
est: 0.73 (+3.4%)
|
0.93
est: 0.85 (+9.4%)
|
1.13
est: 1.13 (-0.3%)
|
1.00
est: 1.48 (-32.5%)
|
1.34
est: 1.30 (+3.2%)
|
1.71
est: 1.70 (+0.4%)
|
2.04
est: 2.00 (+1.9%)
|
2.33
est: 2.32 (+0.4%)
|
2.39
est: 2.42 (-1.1%)
|
1.21
est: 1.21 (+0.3%)
|
3.13
est: 2.99 (+4.8%)
|
2.78
est: 2.76 (+0.7%)
|
2.09
est: 1.55 (+35.0%)
|
1.47
est: 1.42 (+3.2%)
|
1.95
1.91 – 2.00
+36.6% YoY
|
2.18
2.15 – 2.19
+11.8% YoY
|
2.50
2.42 – 2.62
+15.0% YoY
|
3.00
2.87 – 3.11
+19.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-28 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-27 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-26 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-22 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-21 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-20 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-15 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
19.08M
OE per share TTM
1.56
Owner's Yield
7.74%
Maintenance CapEx ratio
1.47%
Maint CapEx / Avg PPE
2.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 1 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis International Small Cap Equity ETF AVDS | 0.00% | 3.5K | 0.30% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
230.8K
Shares Outstanding
12.15M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Karl Werner | Chief Executive Officer of Advantage Finance & Executive Director | 418.0K | male |
| Anthony Michael Vincent Coombs | Chairman & MD | 558 | male |
| Edward Ahrens | Chief Executive Officer of Aspen Bridging & Executive Director | 312 | male |
| Jack Edward-Clifford Coombs | Chief Operating Officer & Executive Director | 273 | male |
| Chris Keith Freckelton | Group Finance Director & Executive Director | — | male |
| Manjeet Kaur Bhogal CGMA | Company Secretary | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for SUS.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
