Episode Details

S&U PLC (LSE:SUS) chairman Anthony Coombs talked with Proactive's Stephen Gunnion about the company’s continued growth momentum, particularly across its Advantage and Aspen divisions. Following a challenging regulatory period, Coombs reported a significant rebound in confidence, performance, and strategic clarity. The company is forecasting its receivables to grow from c. £400 million to £600 million in the coming years. “There’s significant growth available in the Advantage business, but also in Aspen too; but particularly the Advantage business,” Coombs explained. He attributed this optimism to tightened credit scoring, improved affordability criteria, and an ongoing AI project aimed at operational efficiency. Despite a sluggish property market impacting Aspen, the division exceeded budget with record sales and collections. Coombs acknowledged market headwinds—ranging from political uncertainty to interest rate volatility—but emphasised the resilience of S&U’s approach and the discipline underpinning its lending practices. Investors have taken notice, with the share price up 20%, reflecting renewed interest in smaller-cap financials and confidence in S&U’s forward trajectory. Coombs noted, “They recognise the business has come out of a difficult period and is now regaining its va va voom.” Looking ahead to 2026, Coombs acknowledged economic uncertainties but maintained a positive outlook, provided conditions remain reasonably stable. He reiterated the company’s focus on responsible lending, honed over its 88-year history. Visit Proactive’s YouTube channel for more videos, and don’t forget to give the video a like, subscribe to the channel and enable notifications for future content. #SUPLC #AnthonyCoombs #UKFinancials #AutoFinance #AdvantageFinance #AspenBridging #UKEconomy #ReceivablesGrowth #SmallCapStocks #ResponsibleLending #FinancialServices #InvestingInUK #AIInFinance #RegulatoryRecovery #ProactiveInvestors