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S&U Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary11 Dec, 2025
Executive summary
Group profit at the end of the third quarter continues to exceed budget, with strong trading momentum, especially in the motor finance segment.
Net receivables have grown to approximately £491m, up from £447m in 2024, accelerating month by month.
Regulatory clarity and the end of FCA's s166 process have contributed to a firmer motor finance market.
Financial highlights
Group net receivables reached c. £491m, up from £447m in 2024.
Advantage's net receivables increased 14% on the previous quarter to c. £318m.
Aspen's net receivables rose from £148m at half year to c. £173m.
Group net borrowings increased to £241m from £180m at the half year.
Outlook and guidance
The company anticipates minimal impact from the commission redress scheme on current trading.
Both Advantage and Aspen are expected to continue their strong performance, supporting good shareholder returns in the coming years.
Basis for 2.4% FCA redress qualification?
Describe plans for substantially larger funding.
What improved Advantage's loan book quality?
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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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