Investment case

With a portfolio of strong businesses, PFG offers an attractive investment case and a clear proposition to investors.

Sustainable business model
Sustainable business model

Leaders in the non-standard credit market will be larger, well‑funded specialist lenders with sustainable business models like us.

Our business model


 

Attractive mix of businesses
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.

Our businesses


 

High competitive advantage
High competitive advantage

We have a significant competitive advantage in the areas of technology, marketing, underwriting and collections.
 


 

Experienced management
Experienced management

Our management teams are highly skilled and experienced, particularly in serving the non-standard credit market.

Board of directors


 

Track record of growth
Track record of growth

We generate sufficient capital to support planned growth and business development without compromising our progressive dividend policy.

Key performance indicators


 

Regulation opportunity
Regulation opportunity

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
Robust balance sheet

We have a robust balance sheet and prudent funding.

Home credit receivable example (418KB, PDF)

 

TStrong market position
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.

Market share and competitors