A strong investment proposition

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.

Robust financial profile

All our divisions are profitable, resilient and cash-generative and we have a robust balance sheet and strong funding position to invest in growth and deliver our strategy.

Strong track record

Our segment expertise and depth of leadership have enabled us to successfully serve 14m 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.