LSE:NSF

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Executive Summary

Non-Standard Finance plc engages in the unsecured credit business in the United Kingdom. More Details


Snowflake Analysis

Adequate balance sheet and overvalued.


Similar Companies

Share Price & News

How has Non-Standard Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: NSF is more volatile than 75% of UK stocks over the past 3 months, typically moving +/- 13% a week.

Volatility Over Time: NSF's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of UK stocks.


Market Performance


7 Day Return

-17.9%

NSF

1.6%

GB Consumer Finance

-0.1%

GB Market


1 Year Return

-89.3%

NSF

-34.4%

GB Consumer Finance

-7.7%

GB Market

Return vs Industry: NSF underperformed the UK Consumer Finance industry which returned -34.4% over the past year.

Return vs Market: NSF underperformed the UK Market which returned -7.7% over the past year.


Shareholder returns

NSFIndustryMarket
7 Day-17.9%1.6%-0.1%
30 Day10.3%4.4%4.1%
90 Day-28.6%41.7%14.7%
1 Year-89.3%-89.3%-33.9%-34.4%-4.0%-7.7%
3 Year-95.1%-95.6%-35.5%-50.1%4.2%-8.5%
5 Year-95.6%-96.1%-76.7%-84.5%43.0%15.1%

Long-Term Price Volatility Vs. Market

How volatile is Non-Standard Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Non-Standard Finance undervalued compared to its fair value and its price relative to the market?

0.46x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate NSF's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate NSF's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: NSF is unprofitable, so we can't compare its PE Ratio to the GB Consumer Finance industry average.

PE vs Market: NSF is unprofitable, so we can't compare its PE Ratio to the UK market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate NSF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: NSF is good value based on its PB Ratio (0.5x) compared to the GB Consumer Finance industry average (1.1x).


Next Steps

Future Growth

How is Non-Standard Finance forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

92.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: NSF is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: NSF is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: NSF is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: NSF's revenue (3.9% per year) is forecast to grow slower than the UK market (6.6% per year).

High Growth Revenue: NSF's revenue (3.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: NSF is forecast to be unprofitable in 3 years.


Next Steps

Past Performance

How has Non-Standard Finance performed over the past 5 years?

-79.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: NSF is currently unprofitable.

Growing Profit Margin: NSF is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: NSF is unprofitable, and losses have increased over the past 5 years at a rate of 79.7% per year.

Accelerating Growth: Unable to compare NSF's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: NSF is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-25.8%).


Return on Equity

High ROE: NSF has a negative Return on Equity (-706.81%), as it is currently unprofitable.


Next Steps

Financial Health

How is Non-Standard Finance's financial position?


Financial Position Analysis

Short Term Liabilities: NSF's short term assets (£387.2M) exceed its short term liabilities (£39.9M).

Long Term Liabilities: NSF's short term assets (£387.2M) exceed its long term liabilities (£349.3M).


Debt to Equity History and Analysis

Debt Level: NSF's debt to equity ratio (1545.5%) is considered high.

Reducing Debt: Insufficient data to determine if NSF's debt to equity ratio has reduced over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Whilst unprofitable NSF has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.

Forecast Cash Runway: NSF is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 15% per year.


Next Steps

Dividend

What is Non-Standard Finance current dividend yield, its reliability and sustainability?

3.72%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate NSF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate NSF's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if NSF's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if NSF's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: NSF is not paying a notable dividend for the UK market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of NSF's dividend in 3 years as they are not forecast to pay a notable one for the UK market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.0yrs

Average management tenure


CEO

John Philip de van Kuffeler (71 yo)

4yrs

Tenure

UK£488,000

Compensation

Mr. John Philip de Blocq van Kuffeler, MA, FCA, is Founder of Non-Standard Finance plc. He is a Founder of Huveaux Plc. Mr. de Blocq van Kuffeler has been the Chief Executive Officer of Non-Standard Finan...


CEO Compensation Analysis

Compensation vs Market: John Philip de's total compensation ($USD666.77K) is above average for companies of similar size in the UK market ($USD337.15K).

Compensation vs Earnings: John Philip de's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
John Philip de van Kuffeler
Founder4yrsUK£488.00k0.68%
£ 74.0k
Jono Gillespie
Group CFO & Director0.75yrno data0.045%
£ 4.9k
Peter Reynolds
Director of Investor Relations & Communicationsno datano datano data
Davie Thompson
Chief Executive Officer of Loans at Home4yrsno datano data
Marc Howells
Managing Director of Guarantor Loans Division4yrsno datano data
Sarah Day
Company Secretary3.17yrsno datano data

4.0yrs

Average Tenure

Experienced Management: NSF's management team is considered experienced (4 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
John Philip de van Kuffeler
Founder4yrsUK£488.00k0.68%
£ 74.0k
Jono Gillespie
Group CFO & Director0.75yrno data0.045%
£ 4.9k
Charles Gregson
Non-Executive Chairman4yrsUK£125.00k0.33%
£ 36.5k
Niall Scott Booker
Senior Independent Non-Executive Director0.75yrUK£75.00k0.18%
£ 20.2k
Toby Westcott
Non Executive Director0.25yrno datano data
Heather McGregor
Independent Non-Executive Director6.08yrsUK£83.00k0.047%
£ 5.1k

2.4yrs

Average Tenure

66yo

Average Age

Experienced Board: NSF's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: NSF insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Non-Standard Finance plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Non-Standard Finance plc
  • Ticker: NSF
  • Exchange: LSE
  • Founded: 2014
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: UK£10.935m
  • Shares outstanding: 312.44m
  • Website: https://www.nsfgroupplc.com

Number of Employees


Location

  • Non-Standard Finance plc
  • 7 Turnberry Park Road
  • Gildersome
  • Morley
  • West Yorkshire
  • LS27 7LE
  • United Kingdom

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NSFLSE (London Stock Exchange)YesOrdinary SharesGBGBPFeb 2015
5NFDB (Deutsche Boerse AG)YesOrdinary SharesDEEURFeb 2015
NSFLBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPFeb 2015

Biography

Non-Standard Finance plc engages in the unsecured credit business in the United Kingdom. The company provides home credit loans; branch-based unsecured consumer loans; and guarantor loans. It operated 73 b...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/22 20:23
End of Day Share Price2021/01/22 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.