S&U PLC chairman Anthony Coombs takes Proactive's Stephen Gunnion through the company's full-year results to the end of January 2025. Despite regulatory headwinds in its Advantage Motor Finance division, the company reported stable revenue, with record results from its Aspen Bridging arm. Coombs highlighted the impact of an FCA Section 166 investigation, which added approximately £1.5 million in costs and prompted an £11 million increase in provisions. While these factors significantly reduced profitability in the motor finance business, he expressed confidence that such challenges would not repeat in the coming year. "We've dealt with our customers in a responsible and... Christian-like manner," Coombs said, reflecting on the company's values-driven approach to business. He also noted that internal morale, temporarily shaken during the FCA review, was now recovering strongly. In contrast, the Aspen Bridging division achieved record revenue, profit, and transaction levels. Launched in 2017 to meet demand for bridging and small development finance, the division has proven to be a strategically sound addition to S&U's portfolio. Looking ahead, Coombs expressed cautious optimism for the UK economic landscape, suggesting that interest rates might stabilise. He emphasised the importance of robust underwriting as a defence against economic uncertainty, saying the company has weathered similar conditions in the past eight years. For more company insights, visit Proactive's YouTube channel. Don’t forget to like this video, subscribe to the channel, and enable notifications for future updates. #SAndUPLC #AnthonyCoombs #AspenBridging #MotorFinance #FCAReview #FinancialResults2025 #UKFinance #InterestRates #InvestorUpdate #ProactiveInvestors