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About the company
S&U plc is a United Kingdom-based specialist motor finance and bridging 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. Aspen Bridging is focused on property bridging finance. Advantage Finance operates within the non-prime sector and has provided hire purchase finance for over 275,000 customers. Aspen Bridging has developed a range of bridging loan products across the market for residential and commercial property as well as sectors such as refinancing, capital raising, and refurbishment loans. Aspen Bridging can lend up to over £15 million per deal with an average loan size of circa £1,000,000.
- Revenue in GBP (TTM)107.00m
- Net income in GBP19.95m
- Incorporated1938
- Employees248.00
- LocationS&U PLC2 Stratford CourtCranmore Boulevard, SolihullSOLIHULL 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| West Bromwich Building Society | 303.10m | 29.70m | 61.09m | 626.00 | -- | -- | 1.63 | 0.5564 | -- | -- | -- | -- | -- | -- | -- | -- | 0.4609 | 0.3721 | -- | -- | -- | -- | 27.05 | 23.19 | -- | -- | -- | -- | 22.01 | 18.74 | 21.31 | 81.57 | -- | -- |
| Distribution Finance Capital Holdngs PLC | 83.88m | 13.90m | 110.04m | 136.00 | 9.02 | 1.01 | 7.29 | 1.31 | 0.0732 | 0.0732 | 0.4418 | 0.6558 | 0.1091 | -- | 23.37 | 616,742.60 | 1.81 | 0.4066 | 11.11 | 1.84 | 58.87 | 61.45 | 16.57 | 5.04 | -- | -- | 0.8563 | 0.00 | 28.45 | 44.03 | 344.41 | -- | 13.19 | -- |
| ASA International Group PLC | 198.34m | 31.40m | 224.00m | 14.23k | 7.13 | 2.19 | 6.06 | 1.13 | 0.314 | 0.314 | 1.98 | 1.02 | 0.45 | -- | 7.96 | 13,936.13 | 7.02 | 2.24 | 13.74 | 4.60 | -- | -- | 15.60 | 6.47 | -- | 2.89 | 0.7772 | 6.37 | 42.88 | 4.90 | 217.72 | -2.97 | 16.93 | -- |
| S&U PLC | 107.00m | 19.95m | 289.19m | 248.00 | 14.49 | 1.20 | 14.16 | 2.70 | 1.64 | 1.64 | 8.81 | 19.85 | 0.2342 | -- | 67.83 | 431,455.70 | 4.37 | 6.89 | 4.44 | 7.03 | 84.80 | 81.02 | 18.65 | 25.66 | -- | 2.95 | 0.433 | 52.32 | 0.1507 | 5.15 | -29.58 | -9.11 | 18.94 | -3.58 |
| Vanquis Banking Group PLC | 591.10m | -78.60m | 303.18m | 1.38k | -- | 0.6974 | -- | 0.5129 | -0.3071 | -0.3044 | 2.28 | 1.69 | 0.181 | -- | 7.90 | 429,890.90 | -2.41 | 0.3303 | -2.45 | 0.3405 | 74.62 | -- | -13.30 | 1.70 | -- | -- | 0.8712 | 171.57 | 0.9908 | -9.60 | -919.66 | -- | -30.93 | -- |
| Funding Circle Holdings PLC | 180.90m | 8.40m | 471.24m | 721.00 | 67.41 | 2.45 | 22.23 | 2.60 | 0.0232 | 0.0675 | 0.4763 | 0.6387 | 0.4781 | -- | 9.62 | 250,901.50 | 2.22 | -2.22 | 3.81 | -4.11 | -- | -- | 4.64 | -7.82 | -- | -- | 0.4722 | -- | 24.92 | -0.1799 | 103.66 | -- | -7.10 | -- |
| International Personal Finance Plc | 702.40m | 72.20m | 516.61m | 6.67k | 7.53 | 1.03 | 5.10 | 0.7355 | 0.3119 | 0.3119 | 3.04 | 2.29 | 0.5799 | -- | 1.08 | 105,291.60 | 5.96 | 2.55 | 7.25 | 3.09 | 90.19 | 90.49 | 10.28 | 4.28 | -- | 55.88 | 0.5393 | 51.46 | -5.41 | -3.96 | 26.88 | -3.24 | -5.08 | 19.90 |
Data as of Feb 06 2026. Currency figures normalised to S&U PLC's reporting currency: UK Pound GBX
10.35%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Morgan Stanley Securities Ltd. (Market-Maker)as of 03 Nov 2025 | 346.00k | 2.85% |
| IG Markets Ltd.as of 03 Nov 2025 | 225.00k | 1.85% |
| Renta 4 Gestora SGIIC SAas of 30 Jun 2025 | 201.56k | 1.66% |
| Columbia Wanger Asset Management LLCas of 03 Nov 2025 | 103.55k | 0.85% |
| Rothschild & Co. Asset Management SCSas of 03 Nov 2025 | 71.45k | 0.59% |
| Jupiter Asset Management Ltd.as of 03 Nov 2025 | 70.07k | 0.58% |
| Hargreaves Lansdown Fund Managers Ltd.as of 03 Nov 2025 | 70.00k | 0.58% |
| PGGM Vermogensbeheer BVas of 03 Nov 2025 | 65.00k | 0.54% |
| Dimensional Fund Advisors LPas of 30 Nov 2025 | 62.66k | 0.52% |
| Silchester International Investors LLPas of 03 Nov 2025 | 41.71k | 0.34% |
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Data from 31 Mar 2025 - 02 Jan 2026Source: FactSet Research Systems Inc.
