S&U plc (FRA:97V)

S&U plc Income Statement

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

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

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