With a portfolio of strong businesses, PFG offers an attractive investment case and a clear proposition to investors.
Sustainable business model
Leaders in the non-standard credit market will be larger, well‑funded specialist lenders with sustainable business models like us.
Attractive mix of businesses
We have an attractive mix of businesses which deliver attractive growth and returns over the medium-term and exhibit low volatility through the economic cycle.
High competitive advantage
We have a significant competitive advantage in the areas of technology, marketing, underwriting and collections.
Our management teams are highly skilled and experienced, particularly in serving the non-standard credit market.
Track record of growth
We generate sufficient capital to support planned growth and business development without compromising our progressive dividend policy.
Tougher regulation and transition to the Financial Conduct Authority (FCA) is causing dislocation in the non-standard credit market which provides new opportunities for responsible lending businesses such as Provident Financial.
Robust balance sheet
We have a robust balance sheet and prudent funding.
Home credit receivable example (418KB, PDF)
Strong market position
Uncertainty remains as to the future size and shape of the UK non - standard credit market but this provides PFG with significant opportunity.