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S&U
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.Q4 2026 TU earnings summary10 Feb, 2026
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.
Quantify FCA redress scheme financial impact
What is the strategy for 5-year growth funding?
Aspen: growth drivers for longer-term products?
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Latest events from S&U
- Profit before tax fell 40% on higher impairments, but Aspen posted record growth.SUS
H1 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
- Aspen Bridging thrives with record profits as Advantage Finance prepares for a second-half rebound.SUSTrading Update13 Jun 2025
- Q1 profit fell on higher impairments, but Aspen Bridging delivered record growth and returns.SUSTrading Update13 Jun 2025
Next S&U earnings date
H2 202621 Apr, 2026
S&U
Next S&U earnings date
H2 202621 Apr, 2026
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