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% |