A strong investment proposition

Market-leading and financially inclusive

As a specialist financial services business we responsibly provide a range of credit products and value-added services to underserved consumers. Our focus on transparency and ethical lending practices ensures that we meet the diverse needs of our customers, empowering them to achieve financial stability and growth in their lives.

Exciting sustainable growth opportunities

With increasing consumer demand, a diverse product family and multiple distribution channels, there is substantial potential for sustainable, long-term growth. Our continuous innovation and commitment to customer-centric solutions ensure we are well-positioned to capture future opportunities and drive growth.

Effective risk  management 

We have a proven track record of managing key risks, including credit, regulation, competition and liquidity. with a well-developed risk management framework. By continuously monitoring and adapting to emerging risks, we ensure that we mitigate potential challenges while maintaining a strong focus on delivering value to our stakeholders.

Strong financial  foundation 

The business is profitable, resilient and generates strong cash flows. With a robust balance sheet and strong funding position, we are investing to drive growth. This strong foundation allows us to pursue new opportunities, innovate and respond to market changes, ensuring we remain competitive in the evolving financial landscape. 

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.

Significant  future value 

With three profitable divisions, each offering attractive long-term growth potential, we are well positioned to deliver sustainable returns and unlock higher valuation potential for investors. Focusing on financial inclusion, customer satisfaction and innovation enhances our competitive edge, allowing us to capitalise on market opportunities and create value for all stakeholders.