S&U plc Income Statement

Financials in millions GBP. Fiscal year is February - January.

Millions GBP. Fiscal year is Feb - Jan.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '25 Aug 5, 2025	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022	Jan '21 Jan 31, 2021
Interest and Dividend Income	107	115.61	115.44	102.71	87.89	83.76
Total Interest Expense	15.14	18.12	15.06	7.5	3.77	3.61
Net Interest Income	91.87	97.49	100.38	95.22	84.12	80.15
Revenue Before Loan Losses	91.87	97.49	100.38	95.22	84.12	80.15
Provision for Loan Losses	24.82	35.57	24.2	13.88	4.12	-
Revenue	67.05	61.92	76.17	81.34	80	80.15
Revenue Growth (YoY)	0.53%	-18.71%	-6.36%	1.68%	-0.19%	-5.80%
Salaries & Employee Benefits	0.02	0.02	0.01	0.01	0.01	0.01
Cost of Services Provided	37.59	35.2	42.57	39.92	32.97	62.06
Total Operating Expenses	37.61	35.21	42.59	39.93	32.98	62.07
Operating Income	29.44	26.71	33.58	41.41	47.02	18.09
EBT Excluding Unusual Items	29.44	26.71	33.58	41.41	47.02	18.13
Other Unusual Items	-2.74	-2.74	-	-	-	-
Pretax Income	26.7	23.98	33.58	41.41	47.02	18.13
Income Tax Expense	6.75	6.06	8.15	7.69	9.04	3.48
Earnings From Continuing Ops.	19.95	17.91	25.44	33.72	37.98	14.65
Net Income	19.95	17.91	25.44	33.72	37.98	14.65
Net Income to Common	19.95	17.91	25.44	33.72	37.98	14.65
Net Income Growth	6.04%	-29.58%	-24.56%	-11.23%	159.33%	-49.29%
Shares Outstanding (Basic)	12	12	12	12	12	12
Shares Outstanding (Diluted)	12	12	12	12	12	12
Shares Change (YoY)	-	-	0.01%	0.03%	0.09%	0.56%
EPS (Basic)	1.64	1.47	2.09	2.78	3.13	1.21
EPS (Diluted)	1.64	1.47	2.09	2.77	3.13	1.21
EPS Growth	6.12%	-29.54%	-24.61%	-11.26%	159.07%	-49.58%
Free Cash Flow	86.94	64.27	-0.71	-56.09	-2.47	31.72
Free Cash Flow Per Share	7.16	5.29	-0.06	-4.62	-0.20	2.61
Dividend Per Share	1.050	1.000	1.200	1.330	1.260	0.900
Dividend Growth	-8.70%	-16.67%	-9.77%	5.56%	40.00%	-25.00%
Operating Margin	43.91%	43.14%	44.09%	50.91%	58.77%	22.56%
Profit Margin	29.76%	28.93%	33.39%	41.45%	47.48%	18.27%
Free Cash Flow Margin	129.67%	103.78%	-0.93%	-68.96%	-3.09%	39.58%
Effective Tax Rate	25.28%	25.29%	24.26%	18.57%	19.22%	19.21%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.