| FY25 | FY24 | FY23 | FY22 | FY21 | YoY | Trend | |
|---|---|---|---|---|---|---|---|
| Revenue | |||||||
| Interest Income | £372.0M | £366.0M | £304.0M | £203.0M | £180.0M | +1.6% | |
| Fee & Commission Income | £15.1M | £19.2M | £17.3M | £17.4M | £14.3M | -21.4% | |
| Expenses | |||||||
| Operating Expenses | £104.2M | £103.8M | £99.7M | £93.2M | £104.0M | +0.4% | |
| Profit | |||||||
| Operating Profit | £213.5M | £203.9M | £184.7M | £169.6M | £164.5M | +4.7% | |
| Finance Costs | £173.4M | £181.1M | £136.5M | £50.4M | £29.2M | -4.3% | |
| Profit Before Tax | £27.5M | — | — | — | £56.0M | — | |
| Tax Expense | £9.9M | £9.5M | £9.7M | £9.4M | £10.4M | +4.2% | |
| Profit After Tax | £17.6M | £19.7M | £24.3M | £33.7M | £45.6M | -10.7% | |
| Attributable to Shareholders | £17.6M | £19.7M | £24.3M | £33.7M | £45.6M | -10.7% | |
| Total Comprehensive Income | £17.6M | £20.0M | £24.8M | £33.5M | £45.7M | -12.0% | |
| Basic EPS | 94.20p | £1.03 | £1.30 | £1.80 | £2.45 | -8.9% | |
| Diluted EPS | 89.00p | £1.01 | £1.26 | £1.75 | £2.39 | -12.2% | |
| FY25 | FY24 | FY23 | FY22 | FY21 | YoY | Trend | |
|---|---|---|---|---|---|---|---|
| Revenue | |||||||
| Interest Income | £372.0M | £366.0M | £304.0M | £203.0M | £180.0M | +1.6% | |
| Fee & Commission Income | £15.1M | £19.2M | £17.3M | £17.4M | £14.3M | -21.4% | |
| Expenses | |||||||
| Operating Expenses | £104.2M | £103.8M | £99.7M | £93.2M | £104.0M | +0.4% | |
| Profit | |||||||
| Operating Profit | £213.5M | £203.9M | £184.7M | £169.6M | £164.5M | +4.7% | |
| Finance Costs | £173.4M | £181.1M | £136.5M | £50.4M | £29.2M | -4.3% | |
| Profit Before Tax | £27.5M | — | — | — | £56.0M | — | |
| Tax Expense | £9.9M | £9.5M | £9.7M | £9.4M | £10.4M | +4.2% | |
| Profit After Tax | £17.6M | £19.7M | £24.3M | £33.7M | £45.6M | -10.7% | |
| Attributable to Shareholders | £17.6M | £19.7M | £24.3M | £33.7M | £45.6M | -10.7% | |
| Total Comprehensive Income | £17.6M | £20.0M | £24.8M | £33.5M | £45.7M | -12.0% | |
| Basic EPS | 94.20p | £1.03 | £1.30 | £1.80 | £2.45 | -8.9% | |
| Diluted EPS | 89.00p | £1.01 | £1.26 | £1.75 | £2.39 | -12.2% | |
