S&U was founded in Birmingham in 1938 by Clifford Coombs, a charismatic figure from South Wales. His secret lay in his ability to charm and motivate people, whether they were customers or employees. By 1975, changing customer tastes and sophistication saw S&U and its sister company S.D. Taylor Ltd transform their goods based credit businesses into a finance and HP operation. This was successfully taken forward by Clifford’s sons Derek and Keith Coombs for the following three decades! Consistent with this customer focussed home credit operation the business has traded very well as Loansathome4u during the last decade until its disposal in August 2015 for over £82m. S&U plc has a strong successful niche consumer credit history and the outlook is promising.

Shirley, GB
Size (employees)
125 (est)+13%
S&U was founded in 1938 and is headquartered in Shirley, GB
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S&U Office Locations

S&U has offices in London, Beckenham and Shirley
Shirley, GB (HQ)
Cranmore Ave
Beckenham, GB
34 Beckenham Rd
London, GB
125 Old Broad St
London, GB
10 Aldersgate St
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S&U Financials and Metrics

S&U Financials

S&U's revenue was reported to be £60.52 m in FY, 2017 which is a 33.9% increase from the previous period.

Revenue (FY, 2017)

60.5 m

Revenue growth (FY, 2016 - FY, 2017), %


Gross profit (FY, 2017)

35.5 m

Gross profit margin (FY, 2017), %


Net income (FY, 2017)

20.3 m

EBITDA (FY, 2017)

27.1 m

EBIT (FY, 2017)

26.9 m

Market capitalization (31-Oct-2017)

238.8 m

Closing share price (31-Oct-2017)


Cash (31-Jan-2017)

4 k


250 m
S&U's current market capitalization is £238.8 m.
GBPFY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017


46 m46.2 m45.8 m48 m51.9 m55 m60.8 m36.1 m45.2 m60.5 m

Revenue growth, %


Cost of goods sold

15.7 m16.2 m16 m17.1 m17.9 m18.4 m19.7 m12.5 m16.6 m25.1 m

Gross profit

30.3 m30 m29.8 m30.9 m34 m36.6 m41.1 m23.6 m28.6 m35.5 m
GBPFY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017


11 k12 k1.4 m292 k17 k9 k12 k935 k18.3 m4 k

Accounts Receivable

51 m51 m43.1 m57.2 m


155 k96 k136 k134 k129 k115 k136 k59 k

Current Assets

50.9 m51.6 m53.1 m49.8 m50.3 m52 m57.7 m68.6 m61.9 m57.8 m
GBPFY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

6 m5.9 m6.5 m7 m8.9 m10.9 m13.3 m11.8 m15.9 m20.3 m

Cash From Operating Activities

4.6 m3.9 m8.6 m9.3 m7.9 m3.8 m(5.4 m)(13.4 m)(16 m)(27.4 m)

Dividends Paid

3.8 m3.8 m3.8 m4.1 m4.4 m4.9 m5.7 m6.7 m23.1 m9.5 m

Cash From Financing Activities

(4.1 m)(3.7 m)(7.1 m)(10.1 m)(7.5 m)(3.1 m)6.1 m15.4 m(47.4 m)9.5 m
GBPY, 2017


9.2 x


9.3 x


-9.1 x


512.9 k


0.1 x


0.1 x

Financial Leverage

1.4 x
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