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S&U (SUS) investor relations material
S&U Q4 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Trading momentum remained strong through year-end, with expectations of robust full-year results despite a challenging UK economic environment.
Share price increased by 20% since the last update, reflecting investor confidence and recognition of value in family-controlled SMEs with strong dividend policies.
Financial highlights
Group net receivables rose to approximately £495m from £436m year-over-year.
Advantage Finance loan advances for the year were over 65% higher than last year; capital receivables reached about £385m.
Aspen Bridging achieved record lending of £212m, with deal numbers up over a third to 267 and capital receivables up 21% to £188m.
Sale of long-term written-off accounts generated £3.4m in proceeds.
Outlook and guidance
Anticipates further growth opportunities in longer-term products and small-scale development finance.
Additional funding secured to support predicted growth, with RCF facilities increased from £230m to £280m and plans for longer-term financing.
Expects a gradually reviving UK residential market and increased demand from smaller developers.
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