Share

A strong investment proposition

We are a global financial services business delivering financial inclusion for millions of people.

Our Next Gen strategy combined with market-leading brands, personal customer relationships and digital innovation position us uniquely to serve more customers and deliver good returns to investors.


26

years in business

£1bn+

profit since 2007 

>£220m

dividends paid since 2007


Purpose-led

We play a vital role in society by providing underserved consumers with access to unsecured, affordable credit and great-value insurance products, in a responsible way.

Substantial opportunities

Increasing consumer demand and our broad range of products and distribution channels offer us attractive, sustainable growth prospects.

Market leader

Our brands are widely recognised and trusted, and our products span personal, digital, mobile and credit card lending to suit the different preferences and credit profiles of our customers.

Strong financial profile

The Group is profitable, resilient and cash generative with a solid balance sheet and funding position to invest in our strategic plan and deliver growth.

Strong track record

Our segment expertise and depth of leadership have enabled us to successfully serve nearly 15m customers since we began trading and to deliver more than £1 billion profit since 2007.

Attractive, sustainable returns

Our financial model focuses on sustainable growth to deliver a return on required equity (RoRE) of 15% to 20%, which supports a progressive dividend payout of at least 40% of earnings.

Effective risk management

We have a successful track record of managing key risks, with well-developed risk management framework and processes aligned to strategic objectives.

Significant future value

A great-value business comprising three profitable divisions with attractive long-term growth prospects, proven returns and higher valuation potential.

You may also be interested in

Customer representatives – the heart of our business

Creating social value

`

Our use of cookies

We use necessary cookies to make our site work. We’d also like to set optional analytics cookies to help us improve it. We won’t set optional cookies unless you enable them. Using this tool will set a cookie on your device to remember your preferences.

For more detailed information about the cookies we use, see our Cookie policy


Analytics cookies

We’d like to set Google Analytics cookies to help us to improve our website by collecting and reporting information on how you use it. The cookies collect information in a way that does not directly identify anyone.

: