Overview by Risk Grade
| App Risk |
# Loans |
£ Loaned '000 |
£ Outstanding '000 |
Late (< 30 days) |
Late (30 < 90 days) |
Late (> 90 days) |
Total Loss |
Total Gains |
Avg. Term |
Avg. Elapsed Term |
Net Return |
| A+ |
2 |
55 |
54 |
0 |
0 |
2 |
49 |
0 |
53.5 |
1.0 |
-72.3% |
| A |
24 |
995 |
157 |
0 |
0 |
8 |
151 |
217 |
50.1 |
31.6 |
3.7% |
| B |
92 |
5035 |
961 |
0 |
0 |
26 |
643 |
1368 |
51.4 |
28.5 |
6.3% |
| C |
193 |
12015 |
3126 |
2 |
1 |
61 |
1999 |
3909 |
55.8 |
31.1 |
7.1% |
| X+ |
9 |
563 |
244 |
1 |
1 |
0 |
0 |
197 |
19.8 |
7.2 |
38.2% |
| X |
28 |
1869 |
295 |
2 |
1 |
1 |
0 |
402 |
13.9 |
6.9 |
33.3% |
| Y |
33 |
2258 |
1759 |
1 |
0 |
3 |
0 |
945 |
23.6 |
1.9 |
38.4% |
| Z |
472 |
18169 |
8657 |
10 |
4 |
29 |
0 |
5248 |
21.6 |
4.6 |
30.4% |
| ALL |
853 |
40959 |
15253 |
16 |
7 |
130 |
2841 |
12287 |
35.8 |
16.0 |
15.1% |
Overview by Years
| Year |
# Loans |
£ Loaned '000 |
£ Outstanding '000 |
Late (< 30 days) |
Late (30 < 90 days) |
Late (> 90 days) |
Total Loss |
Total Gains |
Avg. Term |
Avg. Elapsed Term |
Net Return |
| 2013 |
27 |
1433 |
103 |
0 |
0 |
4 |
99 |
350 |
46.0 |
30.7 |
8.9% |
| 2014 |
61 |
3233 |
466 |
0 |
0 |
15 |
426 |
868 |
53.2 |
27.2 |
5.8% |
| 2015 |
70 |
4011 |
876 |
0 |
0 |
22 |
766 |
1173 |
53.3 |
32.0 |
4.3% |
| 2016 |
30 |
2146 |
651 |
0 |
0 |
11 |
620 |
656 |
54.5 |
32.3 |
0.7% |
| 2017 |
23 |
1276 |
196 |
0 |
0 |
7 |
178 |
453 |
55.8 |
31.5 |
8.7% |
| 2018 |
20 |
1183 |
200 |
0 |
0 |
6 |
136 |
376 |
59.1 |
28.5 |
7.6% |
| 2019 |
44 |
2294 |
675 |
0 |
0 |
15 |
406 |
878 |
52.2 |
30.7 |
9.5% |
| 2020 |
48 |
1885 |
219 |
1 |
0 |
6 |
60 |
618 |
27.9 |
18.5 |
23.9% |
| 2021 |
104 |
4103 |
936 |
0 |
1 |
14 |
46 |
1097 |
24.7 |
12.5 |
24.0% |
| 2022 |
127 |
9211 |
2506 |
3 |
6 |
17 |
76 |
1897 |
21.2 |
6.3 |
21.3% |
| 2023 |
110 |
6467 |
5014 |
8 |
0 |
10 |
28 |
3066 |
31.7 |
3.6 |
31.9% |
| 2024 |
54 |
1230 |
989 |
1 |
0 |
1 |
0 |
484 |
20.2 |
8.4 |
44.4% |
| 2025 |
83 |
1250 |
1207 |
2 |
0 |
1 |
0 |
295 |
14.9 |
0.2 |
36.0% |
| 2026 |
52 |
1238 |
1216 |
1 |
0 |
1 |
0 |
74 |
30.9 |
1.1 |
14.8% |
| ALL |
853 |
40959 |
15253 |
16 |
7 |
130 |
2841 |
12287 |
35.8 |
16.0 |
15.1% |
Overview by Months
| Month |
# Loans |
£ Loaned '000 |
£ Outstanding '000 |
Late (< 30 days) |
Late (30 < 90 days) |
Late (> 90 days) |
Total Loss |
Total Gains |
Avg. Term |
Avg. Elapsed Term |
Net Return |
| Jul 2026 |
3 |
204 |
201 |
0 |
0 |
0 |
0 |
11 |
49.5 |
0.5 |
20.6% |
| Jun 2026 |
11 |
162 |
161 |
0 |
0 |
0 |
0 |
6 |
17.9 |
0.3 |
11.3% |
| May 2026 |
1 |
20 |
19 |
0 |
0 |
0 |
0 |
1 |
60.0 |
3.4 |
12.5% |
| Apr 2026 |
28 |
568 |
564 |
0 |
0 |
1 |
0 |
39 |
17.7 |
0.0 |
11.1% |
| Mar 2026 |
6 |
235 |
223 |
1 |
0 |
0 |
0 |
13 |
53.1 |
4.2 |
12.8% |
| Feb 2026 |
1 |
20 |
19 |
0 |
0 |
0 |
0 |
1 |
60.0 |
6.6 |
12.5% |
| Jan 2026 |
2 |
29 |
29 |
0 |
0 |
0 |
0 |
3 |
12.0 |
0.0 |
23.8% |
| Dec 2025 |
5 |
98 |
98 |
0 |
0 |
1 |
0 |
7 |
35.5 |
0.0 |
5.3% |
| Nov 2025 |
4 |
30 |
30 |
0 |
0 |
0 |
0 |
5 |
12.0 |
0.0 |
29.5% |
| Oct 2025 |
4 |
49 |
49 |
0 |
0 |
0 |
0 |
9 |
12.0 |
0.0 |
33.9% |
| ALL |
65 |
1415 |
1393 |
1 |
0 |
2 |
0 |
95 |
24.3 |
0.6 |
13.9% |
Overview by Region
| Region |
# Loans |
£ Loaned '000 |
£ Outstanding '000 |
Late (< 30 days) |
Late (30 < 90 days) |
Late (> 90 days) |
Total Loss |
Total Gains |
Avg. Term |
Avg. Elapsed Term |
Net Return |
| East England |
41 |
1600 |
571 |
0 |
1 |
8 |
113 |
657 |
38.3 |
21.3 |
20.1% |
| East Midlands |
40 |
1347 |
450 |
0 |
0 |
6 |
52 |
417 |
38.5 |
13.9 |
16.0% |
| Greater London |
151 |
9563 |
3041 |
3 |
1 |
20 |
350 |
2522 |
30.1 |
11.2 |
17.1% |
| Home Counties |
84 |
5295 |
1688 |
1 |
1 |
10 |
131 |
1209 |
18.3 |
7.7 |
24.9% |
| North East England |
12 |
777 |
588 |
0 |
0 |
3 |
86 |
412 |
23.0 |
7.8 |
39.2% |
| North West England |
86 |
4816 |
1492 |
1 |
0 |
12 |
325 |
1700 |
45.6 |
21.9 |
14.0% |
| Northern Ireland |
12 |
688 |
259 |
0 |
0 |
3 |
94 |
254 |
59.1 |
36.2 |
9.4% |
| Scotland |
15 |
1000 |
392 |
0 |
0 |
4 |
254 |
238 |
47.5 |
31.3 |
0.0% |
| South East England |
85 |
4392 |
1145 |
1 |
2 |
17 |
162 |
1446 |
40.8 |
25.2 |
16.4% |
| South West England |
71 |
2965 |
1155 |
2 |
0 |
9 |
286 |
898 |
38.2 |
17.4 |
14.2% |
| Wales |
16 |
741 |
314 |
1 |
1 |
7 |
183 |
218 |
46.6 |
25.0 |
2.5% |
| West Midlands |
52 |
2133 |
999 |
1 |
1 |
20 |
314 |
907 |
45.7 |
24.7 |
13.7% |
| Yorkshire and Humberside |
63 |
3191 |
1316 |
4 |
0 |
10 |
490 |
962 |
47.4 |
15.4 |
9.0% |
| Other |
125 |
2452 |
1842 |
2 |
0 |
1 |
0 |
446 |
26.9 |
0.8 |
15.9% |
| ALL |
853 |
40959 |
15253 |
16 |
7 |
130 |
2841 |
12287 |
35.8 |
16.0 |
15.1% |