S&U

SUS · Main Market · Financial Services · mcap £231m · 1910.0p 1 open situation →

EV: £517m
EV / EBIT: 11.2x
Net debt: £285m
FCF yield: -9.7%
Revenue: £107m
Cash returned: 5.5%
Share price 1y: +7%
Insiders 12m: sold £289k
Next report: around 20 Apr

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2026 Securitisation funding facilities Profit upgrade Results ahead of expectations

Open · 1

Balance-sheet stress / refinancing◷ in 174 days

Securitisation funding facilities

Facilities secured, 27 Oct 2026

On 27 Oct 2026 S&U announced two new securitisation facilities from two Tier 1 UK financial institutions, providing up to £600m over an initial three-year term. They replace in full the existing £330m facilities, whose club facility was due for renewal in 2027, at improved rates. The company targets a near-doubling of receivables by 2030.

Size: Up to £600m: £350m for Advantage (motor), £250m for Aspen (property) 27 Oct 2026 ↗
Term: Initial three years 27 Oct 2026 ↗
Replaces: Existing £330m facilities, including the club facility due for renewal in 2027 27 Oct 2026 ↗
Terms: Improved interest and advance rates; non-recourse for commercial risk 27 Oct 2026 ↗
Extra RCF: Small RCF of up to £25m maintained at Advantage 27 Oct 2026 ↗
Next milestone: Plans for next three years at full year results in April 2027 27 Oct 2026 ↗

Next: Growth plans for next three years at full year results · 20 Apr 2027

27 Oct 2026 Facilities secured, 27 Oct 2026

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Upgrade / downgrade cycleProfit upgrade guidance raised · third in 12 months · 21 Apr 2026 – 18 Aug 2026 −5% Upgrade / downgrade cycleResults ahead of expectations ahead of expectations · 11 Dec 2025 – 11 Mar 2026 +4%

Company filings. Not investment advice.