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.

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

S&U Office Locations

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

S&U Financials and Metrics

S&U Financials

S&U's revenue was reported to be £60.5 m in FY, 2017 which is a 34% 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

Market capitalization (31-Oct-2017)

238.8 m

Closing share price (31-Oct-2017)


Cash (31-Jan-2017)

4 k
S&U's current market capitalization is £238.8 m.
GBPFY, 2014FY, 2015FY, 2016FY, 2017


60.8 m36.1 m45.2 m60.5 m

Revenue growth, %


Cost of goods sold

19.7 m12.5 m16.6 m25.1 m

Gross profit

41.1 m23.6 m28.6 m35.5 m
GBPFY, 2014FY, 2015FY, 2016FY, 2017


12 k935 k18.3 m4 k

Accounts Receivable

43.1 m57.2 m

Current Assets

57.7 m68.6 m61.9 m57.8 m


52.2 m76.8 m103.7 m138 m
GBPFY, 2014FY, 2015FY, 2016FY, 2017

Cash From Operating Activities

(5.4 m)(13.4 m)(16 m)(27.4 m)

Cash From Financing Activities

6.1 m15.4 m(47.4 m)9.5 m

Income Taxes Paid

(4 m)(2.9 m)(3.6 m)(4.9 m)
GBPY, 2017


512.9 k

Financial Leverage

1.4 x
Show all financial metrics

S&U Market Value History

S&U's Web-traffic and Trends

S&U Company Life and Culture

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