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)
111 (est)
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 Data and Metrics

S&U Financial Metrics

S&U's revenue was reported to be £45.2 m in FY, 2016 which is a 25% increase from the previous period.
Numbers are in £, GBP

Revenue (FY, 2016)

45.2 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

28.6 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

15.9 m

Market capitalization (26-May-2017)

241.7 m

Closing share price (26-May-2017)


Cash (31-Jan-2016)

18.3 m
S&U's current market capitalization is £241.7 m.
Numbers are in £, GBPFY, 2014FY, 2015FY, 2016


60.8 m36.1 m45.2 m

Revenue growth, %


Cost of goods sold

19.7 m12.5 m16.6 m

Gross profit

41.1 m23.6 m28.6 m

Gross profit Margin, %


Pre tax profit

17.3 m14.8 m19.5 m

Net Income

13.3 m11.8 m15.9 m
Numbers are in £, GBPFY, 2014FY, 2015FY, 2016


12 k935 k18.3 m

Current Assets

57.7 m68.6 m61.9 m


52.2 m76.8 m103.7 m

Total Assets

110 m145.4 m165.6 m

Accounts Payable

829 k685 k214 k

Current Liabilities

10.1 m8.9 m6.9 m

Retained Earnings

7.7 m11.7 m46.1 m

Total Equity

69.4 m81.5 m128.3 m

Financial Leverage

1.6 x1.8 x1.3 x
Numbers are in £, GBPFY, 2014FY, 2015FY, 2016

Cash From Operating Activities

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

Cash From Financing Activities

6.1 m15.4 m(47.4 m)

Income Taxes Paid

(4 m)(2.9 m)(3.6 m)
Numbers are in £, GBPY, 2016


407 k

Financial Leverage

1.3 x

S&U Market Value History

S&U News and Updates

S&U Company Life and Culture

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