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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
S&U
S&U (SUS) investor relations material
S&U H1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2027 earnings summary29 Sep, 2026
Executive summary
Profit before tax was stable at £15.7m for H1 2027, with net group receivables rising to £541.0m, surpassing £500m for the first time.
Basic earnings per share improved to 96.8p from 95.5p, and the interim dividend increased to 36p per share.
Strong lending growth in both Advantage and Aspen segments, with record net receivables and continued investment in technology and AI.
Legal process for a new £600m securitisation facility is substantially concluded, expected to enhance funding flexibility.
Financial highlights
Revenue increased 11% year-over-year to £57.3m, driven by higher receivables and better yielding loans.
Group impairment charge remained steady at £8.2m, reflecting improved repayments.
Net borrowings rose to £285.1m, with gearing at 114%.
Dividend payments in the period totaled £9.7m.
Group equity increased 4% to £251.0m.
Outlook and guidance
Ambition to double market share in non-prime motor finance over five years, supported by expanded funding capacity from £330m to £650m via new securitisation.
Expectation of continued growth in receivables at approximately 16% annually.
Anticipated earnings recovery with profit growth loaded into future years.
Focus remains on sustainable, responsible growth and maintaining strong regulator relationships.
Economic and political uncertainty persists, but current trends indicate resilience.
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Latest events from S&U
- Capital receivables hit a record £616m, with strong growth and robust debt quality.SUS
Q2 2027 TU - Profitability and lending volumes surged, with robust credit quality and new funding secured.SUSQ1 2027 TU
- Profit before tax up 32% to £31.8m, with record lending, strong collections, and funding expansion.SUSH2 2026
- Record lending, improved margins, and new funding drive strong growth and outlook.SUSQ4 2026 TU
- Profit and receivables growth accelerate, driven by robust motor and property finance performance.SUSQ3 2026 TU
- Profit before tax up 22% to £15.6m, with strong segment growth and improved gearing.SUSH1 2026
- Profitability and growth are accelerating, supported by legal clarity and strong segment advances.SUSQ2 2026 TU
- Profit before tax fell 40% on higher impairments, but Aspen posted record growth.SUSH1 2025
- Profit before tax fell to £24.0m, but property finance and bridging hit record highs.SUSH2 2025
Next S&U earnings date
Q3 2027 TU18 Nov, 2026
S&U
Next S&U earnings date
Q3 2027 TU18 Nov, 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.