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S&U (SUS) investor relations material
S&U H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary9 Oct, 2025
Executive summary
Profit before tax increased 22% year-on-year to £15.6m, with record results at Aspen and recovering profits at Advantage.
Revenue declined 14% to £51.8m, but basic EPS rose to 95.5p and interim dividend increased to 35p per share.
Recovery from previous regulatory and economic headwinds is underway, with strong trading at both divisions.
Regulatory and economic challenges from prior years have abated, supporting a positive outlook.
Net group receivables decreased to £426.8m, and net borrowings reduced to £180m, lowering gearing to 75%.
Financial highlights
Revenue declined 14% year-on-year to £51.8m due to a contraction in the loan book and a cautious lending approach.
Group impairment charge fell 57% to £8.1m, reflecting improved repayments and collections.
Net borrowings reduced to £180m, with gearing down from 103% to 75% year-on-year.
Net finance costs decreased 31% to £6.6m due to lower borrowings and SONIA rates.
Interim dividend increased to 35p per share, with £8.5m paid in the first half.
Outlook and guidance
Both divisions report strong momentum, with record lending months and positive growth expectations for H2.
Management expects further strengthening in H2 and a firm basis for future growth.
Ample funding headroom and low gearing provide scope for future growth.
Funding review underway to secure more cost-effective financing and support future growth.
Trading remains subject to consumer confidence and economic conditions, but overall outlook is positive.
Advantage's strategy to leverage market exits?
Aspen's new products impact on loan terms & growth?
Funding review: fixed-rate debt vs SONIA RCF?
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H2 202615 Apr, 2026
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Frequently asked questions
S&U plc is a UK-based financial services company that focuses on providing motor finance and property bridging loans. Through its subsidiaries, Advantage Finance and Aspen Bridging, the company offers specialist finance solutions. Advantage Finance operates in the non-prime used car market, providing hire purchase loans primarily to working individuals, while Aspen Bridging offers short-term loans for residential property investments, particularly in refurbishment projects. The company serves clients across the UK, leveraging partnerships with brokers and direct-to-dealer networks to deliver its financial products. S&U plc is headquartered in Solihull, United Kingdom, and its shares are listed on the London Stock Exchange.
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