{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "01d6d95c-f26e-473b-a89f-a057affde13e",
    "symbol": "SUS",
    "name": "S&U plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/01d6d95c-f26e-473b-a89f-a057affde13e/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "01d6d95c-f26e-473b-a89f-a057affde13e",
      "symbol": "SUS",
      "name": "S&U plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SUS.L",
    "market_cap": 239369968.0,
    "market_cap_usd": 23268705400.0,
    "price": 1970.0,
    "currency": "GBP",
    "dividend_yield": 0.0177665,
    "dividend_years": 33,
    "dividend_growth_5y": -0.00561833,
    "dividend_cut_5y": true,
    "payout_ratio": 0.53790003,
    "net_income": 23713000.0,
    "free_cash_flow": -22385000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 0.9736,
    "revenue_growth_5y": -0.00752289,
    "net_margin": 0.29622,
    "roe": 0.09737001,
    "pe_ratio": 10.102564,
    "price_vs_ma": -0.0440855,
    "return_3y": -0.11918546,
    "return_5y": -0.25465168,
    "max_drawdown": -0.57038085,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 10.0,
      "business_quality": 20.5,
      "valuation": 13.0,
      "trend": 1.0,
      "total": 56.0,
      "confidence": 92.0
    },
    "rating": "weak",
    "rating_label": "Weak Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/",
      "chart": "https://sharemaestro.com/terminal/01d6d95c-f26e-473b-a89f-a057affde13e/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 10.0,
    "business_quality": 20.5,
    "valuation": 13.0,
    "trend": 1.0,
    "total": 56.0,
    "confidence": 92.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2026-02-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 35 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2025-10-30",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend decreased -12.5%",
      "detail": "Payment changed from 40 to 35.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2025-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 35 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2025-07-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend increased 33.3%",
      "detail": "Payment changed from 30 to 40.",
      "amount": 40.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2025-07-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 40 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 40.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2025-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 30 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 30.000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend decreased -40.0%",
      "detail": "Payment changed from 50 to 30.",
      "amount": 30.000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 30 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 30.000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2024-06-20",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend increased 42.9%",
      "detail": "Payment changed from 35 to 50.",
      "amount": 50.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2024-06-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 50 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 50.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2024-02-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 35 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2023-11-02",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend decreased -41.7%",
      "detail": "Payment changed from 60 to 35.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2023-11-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 35 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2023-06-15",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "Dividend increased 57.9%",
      "detail": "Payment changed from 38 to 60.",
      "amount": 60.000004,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2023-06-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 60 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 60.000004,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2023-02-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 38 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 38.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2022-11-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 35 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 35.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    },
    {
      "event_date": "2022-06-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SUS",
      "exchange": "LSE",
      "headline": "SUS dividend payment 57 GBP",
      "detail": "Recorded dividend payment for S&U plc.",
      "amount": 57.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/01d6d95c-f26e-473b-a89f-a057affde13e/"
    }
  ]
}