Non-Standard Finance profits and profitability could increase sharply (Analyst Interview)

Non Standard Finance plc (LON:NSF) is the topic of conversation when Mark Thomas Analyst at Hardman & Co chats with DirectorsTalk. Mark shares his thoughts on the recent 1H 2020 results, what he thinks investors will focus on, what’s is happening on the guarantor loan issue and the upside.

Non-Standard Finance plc is listed on the main market of the London Stock Exchange and is a leading player in the UK’s non-standard finance market with leadership positions in three segments: branch-based lending, guarantor loans and home credit. The Group’s evolution from a cash shell back in 2015 has been achieved thanks to a period of significant investment in all three divisions with a clear differentiating feature being the Group’s focus on face-to-face lending unless the applicant has the support of a guarantor.

The business is founded on building personal relationships with its customers, many of whom have already been excluded by high-street lenders and other mainstream providers. These relationships, supported by significant physical and technological infrastructure, represent the very heart of the business model that is focused on addressing the credit needs of a growing proportion of the 10 million adults that are either unable or unwilling to borrow from mainstream banks and other lenders.

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