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Edge12 Jun 2026
Set in Stone: The Story of Richemont
From a South African tobacco company to Cartier, a deep dive into how Richemont built one of the world's leading hard luxury empires.
S&U
S&U (SUS) investor relations material
S&U Q1 2027 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2027 TU earnings summary20 May, 2026
Executive summary
Trading in the first quarter of 2026/27 is well above budget, continuing the positive turnaround from last year.
Group profitability is ahead of both last year and budget, despite slower transaction growth due to economic and political uncertainties.
Applications for finance remain strong in both motor and property finance segments.
Financial highlights
Net interest margins improved, with Advantage's average lending rates up nearly 20% year-over-year to 15.3%.
Advantage's repayment rates averaged 92.4%, up from 89.1% last year; collections reached £43.1m in the quarter.
Aspen's capital receivables rose to £191m from £162m year-over-year, with a higher blended margin and longer-term profile.
Outlook and guidance
Management maintains confidence in achieving double-digit growth and return on equity, supported by planned resource allocation.
Projected net receivables growth of 20% annually for the next three years.
Detail the terms of the new securitisation deal
Reconcile 63% growth with UK GDP downgrades
Analyze the 15 accounts currently beyond term
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Latest events from S&U
- Profit before tax up 32% to £31.8m, with record lending, strong collections, and funding expansion.SUS
H2 202621 Apr 2026 - Record lending, improved margins, and new funding drive strong growth and outlook.SUSQ4 2026 TU21 Apr 2026
- Profit before tax fell 40% on higher impairments, but Aspen posted record growth.SUSH1 202519 Jan 2026
- Profit before tax fell to £24.0m, but property finance and bridging hit record highs.SUSH2 202524 Dec 2025
- Profit and receivables growth accelerate, driven by robust motor and property finance performance.SUSQ3 2026 TU11 Dec 2025
- Profit before tax up 22% to £15.6m, with strong segment growth and improved gearing.SUSH1 20269 Oct 2025
- Profitability and growth are accelerating, supported by legal clarity and strong segment advances.SUSQ2 2026 TU12 Aug 2025
- Aspen Bridging's growth offset Advantage's decline, keeping group net receivables stable.SUSTrading Update13 Jun 2025
- FCA restrictions weigh on Advantage Finance, but Aspen Bridging drives strong group growth.SUSTrading Update13 Jun 2025
Next S&U earnings date
Q2 2027 TU26 Aug, 2026
S&U
Next S&U earnings date
Q2 2027 TU26 Aug, 2026
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