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 54 0 53.5 1.0 -117.1%
A 24 995 157 0 0 8 151 217 50.1 31.6 3.7%
B 92 5035 1010 0 0 26 643 1353 51.4 28.1 6.3%
C 192 11856 3278 1 0 59 1956 3803 55.7 30.5 7.1%
X+ 9 563 244 1 1 0 0 146 19.8 7.2 29.2%
X 28 1869 315 0 1 2 0 339 13.9 6.6 28.4%
Y 31 2218 1724 0 0 3 0 654 23.8 1.9 28.1%
Z 400 16808 7508 4 5 26 0 3681 21.2 4.4 24.1%
ALL 778 39399 14291 6 7 126 2803 10193 36.0 16.0 12.5%

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 699 0 0 15 411 854 52.2 30.2 9.0%
2020 48 1885 227 0 0 6 60 596 27.9 18.2 23.3%
2021 104 4103 969 2 0 9 32 1000 24.7 12.1 22.5%
2022 127 9211 2610 3 4 17 76 1551 21.2 5.8 18.0%
2023 110 6467 5221 1 2 13 0 2058 31.7 2.5 23.6%
2024 54 1230 1184 0 1 1 0 221 19.6 2.6 26.3%
2025 60 928 888 0 0 0 0 35 12.8 0.0 10.4%
ALL 778 39399 14291 6 7 126 2803 10193 36.0 16.0 12.5%

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 2025 3 48 48 0 0 0 0 0 30.2 0.0 120.0%
Jun 2025 2 12 12 0 0 0 0 0 12.0 0.0 120.0%
May 2025 2 13 13 0 0 0 0 0 12.0 0.0 6.1%
Apr 2025 28 400 400 0 0 0 0 13 12.0 0.0 9.1%
Mar 2025 19 357 317 0 0 0 0 14 12.0 0.0 9.6%
Jan 2025 6 99 99 0 0 0 0 8 10.8 0.0 19.8%
Nov 2024 3 41 41 0 0 0 0 3 10.4 0.0 28.4%
Oct 2024 11 219 219 0 0 1 0 14 6.6 0.0 24.3%
Aug 2024 4 80 80 0 0 0 0 13 12.0 0.0 32.3%
ALL 78 1269 1229 0 0 1 0 65 11.8 0.0 20.0%

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 39 1581 580 0 1 7 113 560 38.7 20.9 17.0%
East Midlands 39 1323 428 0 0 5 52 356 39.0 14.2 13.6%
Greater London 150 9540 3058 0 0 19 345 2076 30.1 11.0 14.0%
Home Counties 83 5272 1672 1 1 10 131 937 18.1 7.5 19.5%
North East England 12 777 588 0 0 3 86 306 23.0 7.8 27.8%
North West England 84 4786 1509 1 0 11 325 1472 45.8 21.4 12.2%
Northern Ireland 12 688 311 0 0 3 66 231 59.1 31.5 11.7%
Scotland 15 1000 444 0 0 4 254 219 47.5 28.3 -0.2%
South East England 83 4292 1152 0 2 16 162 1313 41.0 25.1 15.3%
South West England 70 2809 1054 2 2 10 282 732 37.0 18.1 10.9%
Wales 16 741 314 2 0 7 183 206 46.6 25.0 1.8%
West Midlands 52 2133 1047 0 0 20 314 812 45.7 24.6 12.0%
Yorkshire and Humberside 57 2855 1138 0 1 10 490 818 45.9 15.3 6.6%
Other 66 1603 994 0 0 1 0 155 34.9 1.2 7.0%
ALL 778 39399 14291 6 7 126 2803 10193 36.0 16.0 12.5%