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Non-Standard Finance

LSE:NSF
Snowflake Description

Reasonable growth potential second-rate dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
NSF
LSE
£153M
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

Non-Standard Finance plc engages in the unsecured credit business in the United Kingdom. The last earnings update was 35 days ago. More info.


Add to Portfolio Compare Print
  • Non-Standard Finance has significant price volatility in the past 3 months.
NSF Share Price and Events
7 Day Returns
-6.7%
LSE:NSF
1%
GB Consumer Finance
1%
GB Market
1 Year Returns
-25.7%
LSE:NSF
-23.2%
GB Consumer Finance
1.6%
GB Market
NSF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Non-Standard Finance (NSF) -6.7% -17.6% -20.7% -25.7% -26.7% -
GB Consumer Finance 1% 1.7% -2.5% -23.2% -69.7% -61.4%
GB Market 1% 2.3% 8.6% 1.6% 14% 5.9%
1 Year Return vs Industry and Market
  • NSF underperformed the Consumer Finance industry which returned -23.2% over the past year.
  • NSF underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 1.6% over the past year.
Price Volatility
NSF
Industry
5yr Volatility vs Market

NSF Value

 Is Non-Standard Finance undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Non-Standard Finance. This is due to cash flow or dividend data being unavailable. The share price is £0.491.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Non-Standard Finance's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Non-Standard Finance's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:NSF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in GBP £-0.01
LSE:NSF Share Price ** LSE (2019-04-18) in GBP £0.49
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.41x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 795 Publicly-Listed Companies 16.28x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Non-Standard Finance.

LSE:NSF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:NSF Share Price ÷ EPS (both in GBP)

= 0.49 ÷ -0.01

-91.45x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Non-Standard Finance is loss making, we can't compare its value to the GB Consumer Finance industry average.
  • Non-Standard Finance is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Non-Standard Finance's expected growth come at a high price?
Raw Data
LSE:NSF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -91.45x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
67.3%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 563 Publicly-Listed Companies 1.49x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Non-Standard Finance, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Non-Standard Finance's assets?
Raw Data
LSE:NSF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in GBP £0.67
LSE:NSF Share Price * LSE (2019-04-18) in GBP £0.49
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.69x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,365 Publicly-Listed Companies 1.52x
LSE:NSF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:NSF Share Price ÷ Book Value per Share (both in GBP)

= 0.49 ÷ 0.67

0.73x

* Primary Listing of Non-Standard Finance.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Non-Standard Finance is good value based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess Non-Standard Finance's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Non-Standard Finance has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

NSF Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
67.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Non-Standard Finance expected to grow at an attractive rate?
  • Non-Standard Finance's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Non-Standard Finance's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Non-Standard Finance's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:NSF Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:NSF Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 67.3%
LSE:NSF Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 15.6%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.9%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13.3%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.1%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:NSF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:NSF Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 261 37 2
2020-12-31 230 28 2
2019-12-31 200 11 3
LSE:NSF Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-12-31 160 -35 -2
2018-09-30 132 -46 -5
2018-06-30 103 -57 -9
2018-03-31 92 -47 -10
2017-12-31 81 -37 -10
2017-09-30 74 -23 -8
2017-06-30 66 -9 -7
2017-03-31 58 -16 -7
2016-12-31 50 -24 -8

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Non-Standard Finance's earnings are expected to grow significantly at over 20% yearly.
  • Non-Standard Finance's revenue is expected to grow by 15.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:NSF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Non-Standard Finance Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:NSF Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 0.13 0.13 0.13 1.00
2020-12-31 0.09 0.09 0.09 1.00
2019-12-31 0.07 0.07 0.07 1.00
LSE:NSF Past Financials Data
Date (Data in GBP Millions) EPS *
2018-12-31 -0.01
2018-09-30 -0.02
2018-06-30 -0.03
2018-03-31 -0.03
2017-12-31 -0.03
2017-09-30 -0.03
2017-06-30 -0.02
2017-03-31 -0.02
2016-12-31 -0.03

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Non-Standard Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Non-Standard Finance's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Non-Standard Finance has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

NSF Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Non-Standard Finance's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Non-Standard Finance does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.
  • Unable to compare Non-Standard Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Non-Standard Finance's 1-year growth to the GB Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
Non-Standard Finance's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Non-Standard Finance Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:NSF Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 160.45 -1.68 96.36
2018-09-30 131.66 -5.28 94.47
2018-06-30 102.86 -8.88 90.47
2018-03-31 91.88 -9.61 82.73
2017-12-31 80.90 -10.34 77.10
2017-09-30 73.54 -8.47 71.00
2017-06-30 66.17 -6.61 64.90
2017-03-31 57.86 -7.31 59.84
2016-12-31 49.56 -8.00 54.79
2015-12-31 6.13 -8.71 10.25

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Non-Standard Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Non-Standard Finance has efficiently used its assets last year compared to the GB Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Non-Standard Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Non-Standard Finance's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Non-Standard Finance has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

NSF Health

 How is Non-Standard Finance's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Non-Standard Finance's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Non-Standard Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Non-Standard Finance's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Non-Standard Finance's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.2x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Non-Standard Finance Company Filings, last reported 3 months ago.

LSE:NSF Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 210.72 266.32 13.89
2018-09-30 210.72 266.32 13.89
2018-06-30 213.25 231.03 8.51
2018-03-31 213.25 231.03 8.51
2017-12-31 233.24 199.32 10.95
2017-09-30 233.24 199.32 10.95
2017-06-30 242.70 94.95 4.75
2017-03-31 242.70 94.95 4.75
2016-12-31 249.08 87.30 5.22
2015-12-31 85.16 0.00 7.32
  • Non-Standard Finance's level of debt (126.4%) compared to net worth is high (greater than 40%).
  • Unable to establish if Non-Standard Finance's debt level has increased without past 5-year debt data.
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.

  • Non-Standard Finance has less than a year of cash runway based on current free cash flow.
  • Non-Standard Finance has less than a year of cash runway if free cash flow continues to grow at historical rates of 48.4% each year.
X
Financial health checks
We assess Non-Standard Finance's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Non-Standard Finance has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

NSF Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
5.3%
Current annual income from Non-Standard Finance dividends. Estimated to be 10.91% next year.
If you bought £2,000 of Non-Standard Finance shares you are expected to receive £106 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Non-Standard Finance's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
  • Non-Standard Finance's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.12%).
Upcoming dividend payment

Purchase Non-Standard Finance before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:NSF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 11 Stocks 3.2%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:NSF Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.07 3.00
2020-12-31 0.05 4.00
2019-12-31 0.04 4.00
LSE:NSF Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-04-12 0.026 5.044
2018-04-12 0.022 3.626
2018-03-13 0.022 3.452
2017-03-03 0.012 1.726
2016-08-03 0.006 0.943

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Non-Standard Finance has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Non-Standard Finance only paid a dividend in the past 3 years.
Current Payout to shareholders
What portion of Non-Standard Finance's earnings are paid to the shareholders as a dividend.
  • The company is paying a dividend however it is incurring a loss.
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.8x coverage).
X
Income/ dividend checks
We assess Non-Standard Finance's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Non-Standard Finance afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Non-Standard Finance has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

NSF Management

 What is the CEO of Non-Standard Finance's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
John Philip de van Kuffeler
COMPENSATION £614,000
AGE 69
TENURE AS CEO 2.3 years
CEO Bio

Mr. John Philip de Blocq van Kuffeler, MA, FCA was a Founder of Huveaux Plc. Mr. de Blocq van Kuffeler has been the Chief Executive Officer of Non-Standard Finance Plc., since January 1, 2017. He served as the Chief Executive Officer of Brown Shipley Holdings Plc. He served as the Chief Executive Officer of Provident Financial Plc since 1991 and also served as its Acting Chief Executive Officer since January 1, 2007. He has over 40 years’ of international financial services experience. He served as an Executive Chairman of Non-Standard Finance Plc until December 31, 2016. He served as a Non-Executive Chairman of Eidos Ltd., since April 2002. He served as the Non Executive Chairman of Provident Financial Plc from May 1, 2002 to January 1, 2014 and served as its Executive Chairman from 1997 to 2002. Mr. van Kuffeler served as Non-Executive Chairman of Hyperion Insurance Group Limited since February 2009 until December 2013. He served as the Executive Chairman of Huveaux Plc from 2001 to November 6, 2008. Mr. van Kuffeler served as the Non-Executive Chairman of Eidos PLC from April 18, 2002 to May 17, 2005 and Provident Insurance Ltd. since 2002. He served as Chairman of Finsbury Smaller Quoted Companies Trust Plc since August 1999 and served as its Director. He served as the Chairman of JPMorgan Fleming Technology Trust Plc. He has been a Director at Non-Standard Finance Plc, since July 08, 2014. He serves as a Director of Dod's Parliamentary Communications Limited; Fenman Limited; Training Journal Limited; Mislex (420) Limited; Vacher Dod Publishing Limited; VDP Limited, Finsbury Smaller Companies Trust Plc (which was the subject of a members' voluntary winding up and a liquidator was appointed on 17 December 1999). He serves as a Member of Advisory Board of Princes Trust. He served as a Director of Provident Financial Plc until January 1, 2014. He served as a Non Executive Director of Eidos PLC until May 17, 2005, The Medical Defense Union Limited until September 21, 2004, MDU Investments Limited until September 21, 2004, Van Kuffeler & Company Limited until September 23, 2003, MDU Services Limited until September 21, 2004, Lancashire & London Finance Company Limited until April 16, 2001 and TV Eye Limited until April 5, 2005. Mr. de Blocq van Kuffeler served as Director of Epic Group Plc since August 22, 2005. He served as Director of Huveaux plc until November 6, 2008. He served as a Director of JPMorgan Fleming Technology Trust PLC since 1997 (which was the subject of a members' voluntary winding up and a liquidator was appointed on 10 January 2003). Mr. van Kuffeler graduated with a Degree in Economics and qualified as a Chartered Accountant in 1973.

CEO Compensation
  • John Philip de's compensation has increased whilst company is loss making.
  • John Philip de's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Non-Standard Finance management team in years:

2.3
Average Tenure
53.5
Average Age
  • The tenure for the Non-Standard Finance management team is about average.
Management Team

John Philip de van Kuffeler

TITLE
CEO & Director
COMPENSATION
£614K
AGE
69
TENURE
2.3 yrs

Nick Teunon

TITLE
CFO & Executive Director
COMPENSATION
£520K
AGE
52

Miles Cresswell-Turner

TITLE
Executive Director & CEO of Everyday Loans
COMPENSATION
£552K
AGE
55
TENURE
1.6 yrs

Peter Reynolds

TITLE
Director of Investor Relations and Communications

Davie Thompson

TITLE
Chief Executive Officer of Loans at Home
TENURE
2.3 yrs

Marc Howells

TITLE
Managing Director of Guarantor Loans Division
TENURE
2.3 yrs

Sarah Day

TITLE
Company Secretary
AGE
46
TENURE
1.4 yrs
Board of Directors Tenure

Average tenure and age of the Non-Standard Finance board of directors in years:

4.3
Average Tenure
57.5
Average Age
  • The tenure for the Non-Standard Finance board of directors is about average.
Board of Directors

Charles Gregson

TITLE
Non-Executive Chairman
COMPENSATION
£125K
AGE
70
TENURE
2.3 yrs

John Philip de van Kuffeler

TITLE
CEO & Director
COMPENSATION
£614K
AGE
69
TENURE
4.8 yrs

Nick Teunon

TITLE
CFO & Executive Director
COMPENSATION
£520K
AGE
52
TENURE
4.7 yrs

Miles Cresswell-Turner

TITLE
Executive Director & CEO of Everyday Loans
COMPENSATION
£552K
AGE
55
TENURE
4.3 yrs

Heather McGregor

TITLE
Independent Non-Executive Director
COMPENSATION
£75K
AGE
56
TENURE
4.3 yrs

Niall Scott Brooker

TITLE
Independent Non-Executive Director
COMPENSATION
£75K
AGE
59
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
16. Apr 19 Sell Barclays Bank PLC, Securities Investments Company 15. Apr 19 15. Apr 19 -434 £0.52 £-227
11. Apr 19 Sell Barclays Bank PLC, Securities Investments Company 10. Apr 19 10. Apr 19 -430 £0.53 £-226
11. Apr 19 Buy Barclays Bank PLC, Securities Investments Company 10. Apr 19 10. Apr 19 430 £0.53 £226
11. Apr 19 Sell Quilter Cheviot Limited Company 10. Apr 19 10. Apr 19 -1,250 £0.53 £-660
10. Apr 19 Sell Jefferies Group LLC, Asset Management Arm Company 09. Apr 19 09. Apr 19 -15,285 £0.53 £-8,110
10. Apr 19 Buy Jefferies Group LLC, Asset Management Arm Company 09. Apr 19 09. Apr 19 15,285 £0.54 £0
10. Apr 19 Sell Quilter Cheviot Limited Company 09. Apr 19 09. Apr 19 -14,950 £0.53 £-7,923
05. Apr 19 Sell Quilter Cheviot Limited Company 04. Apr 19 04. Apr 19 -133,000 £0.52 £-69,363
03. Apr 19 Sell Quilter Cheviot Limited Company 02. Apr 19 02. Apr 19 -3,000 £0.55 £-1,638
03. Apr 19 Buy Toscafund Asset Management LLP Company 02. Apr 19 02. Apr 19 250,000 £0.53 £131,825
01. Apr 19 Sell Close Asset Management Limited Company 29. Mar 19 29. Mar 19 -1,523,659 £0.55 £-838,469
01. Apr 19 Buy Toscafund Asset Management LLP Company 29. Mar 19 29. Mar 19 1,000,000 £0.55 £550,000
01. Apr 19 Buy Toscafund Asset Management LLP Company 27. Mar 19 27. Mar 19 500,000 £0.55 £275,000
28. Mar 19 Sell Quilter Cheviot Limited Company 27. Mar 19 27. Mar 19 -13,425 £0.54 £-7,303
27. Mar 19 Sell Quilter Cheviot Limited Company 26. Mar 19 26. Mar 19 -73,745 £0.55 £-40,568
27. Mar 19 Buy Quilter Cheviot Limited Company 26. Mar 19 26. Mar 19 3,685 £0.55 £2,036
25. Mar 19 Sell Close Asset Management (UK) Limited Company 22. Mar 19 22. Mar 19 -71,306 £0.60 £-42,477
22. Mar 19 Sell Quilter Cheviot Limited Company 21. Mar 19 21. Mar 19 -11,000 £0.59 £-6,452
20. Mar 19 Buy Quilter Cheviot Limited Company 19. Mar 19 19. Mar 19 25,079 £0.60 £15,047
20. Mar 19 Sell Barclays Bank PLC, Securities Investments Company 19. Mar 19 19. Mar 19 -4,000 £0.60 £-2,388
20. Mar 19 Buy Barclays Bank PLC, Securities Investments Company 19. Mar 19 19. Mar 19 4,000 £0.60 £2,388
19. Mar 19 Buy Quilter Cheviot Limited Company 18. Mar 19 18. Mar 19 5,522 £0.60 £3,301
12. Mar 19 Sell Quilter Cheviot Limited Company 11. Mar 19 11. Mar 19 -15,000 £0.59 £-8,887
11. Mar 19 Sell Quilter Cheviot Limited Company 08. Mar 19 08. Mar 19 -5,000 £0.59 £-2,963
08. Mar 19 Buy Quilter Cheviot Limited Company 07. Mar 19 07. Mar 19 16,607 £0.60 £9,972
06. Mar 19 Sell Quilter Cheviot Limited Company 05. Mar 19 05. Mar 19 -12,250 £0.60 £-7,399
04. Mar 19 Sell Quilter Cheviot Limited Company 01. Mar 19 01. Mar 19 -18,500 £0.61 £-11,248
25. Feb 19 Sell Quilter Cheviot Limited Company 22. Feb 19 22. Feb 19 -29,550 £0.62 £-18,203
25. Feb 19 Buy Quilter Cheviot Limited Company 22. Feb 19 22. Feb 19 65,000 £0.62 £40,391
18. Mar 19 Sell Quilter Cheviot Limited Company 15. Mar 19 15. Mar 19 -27,750 £0.59 £-16,484
18. Mar 19 Sell Close Asset Management (UK) Limited Company 15. Mar 19 15. Mar 19 -25,227 £0.60 £-15,048
15. Mar 19 Sell Jefferies Group LLC, Asset Management Arm Company 14. Mar 19 14. Mar 19 -14,344 £0.59 £-8,510
15. Mar 19 Buy Jefferies Group LLC, Asset Management Arm Company 14. Mar 19 14. Mar 19 14,344 £0.60 £0
11. Mar 19 Sell Jefferies Group LLC, Asset Management Arm Company 08. Mar 19 08. Mar 19 -14,748 £0.60 £-8,813
11. Mar 19 Buy Jefferies Group LLC, Asset Management Arm Company 08. Mar 19 08. Mar 19 14,748 £0.60 £0
07. Mar 19 Sell Close Asset Management (UK) Limited Company 27. Feb 19 27. Feb 19 -300,000 £0.61 £-183,750
07. Mar 19 Sell Close Asset Management (UK) Limited Company 01. Mar 19 01. Mar 19 -604,808 £0.62 £-373,590
07. Mar 19 Sell Close Asset Management (UK) Limited Company 25. Feb 19 25. Feb 19 -60,000 £0.66 £-39,600
04. Mar 19 Sell Barclays Bank PLC, Securities Investments Company 01. Mar 19 01. Mar 19 -717 £0.61 £0
04. Mar 19 Buy Barclays Bank PLC, Securities Investments Company 01. Mar 19 01. Mar 19 717 £0.61 £438
28. Feb 19 Buy Toscafund Asset Management LLP Company 27. Feb 19 27. Feb 19 62,500 £0.62 £38,687
26. Feb 19 Sell Barclays Bank PLC, Securities Investments Company 25. Feb 19 25. Feb 19 -5,411 £0.67 £-3,598
26. Feb 19 Buy Barclays Bank PLC, Securities Investments Company 25. Feb 19 25. Feb 19 5,411 £0.67 £3,598
21. Dec 18 Buy Charles Gregson Individual 21. Dec 18 21. Dec 18 12,989 £0.66 £8,508
01. Oct 18 Buy Charles Gregson Individual 28. Sep 18 28. Sep 18 14,467 £0.59 £8,507
06. Aug 18 Buy Miles Cresswell-Turner Individual 06. Aug 18 06. Aug 18 78,721 £0.64 £49,997
03. Aug 18 Buy Steven White Individual 02. Aug 18 02. Aug 18 16,000 £0.59 £9,392
03. Aug 18 Buy Miles Cresswell-Turner Individual 02. Aug 18 02. Aug 18 165,876 £0.62 £99,794
29. Jun 18 Buy Miles Cresswell-Turner Individual 28. Jun 18 28. Jun 18 16,051 £0.62 £10,000
28. Jun 18 Buy Charles Gregson Individual 28. Jun 18 28. Jun 18 27,445 £0.62 £17,016
26. Apr 18 Buy Steven White Individual 25. Apr 18 25. Apr 18 2,600 £0.66 £1,709
X
Management checks
We assess Non-Standard Finance's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Non-Standard Finance has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

NSF News

Simply Wall St News

Breakeven On The Horizon For Non-Standard Finance plc (LON:NSF)

Non-Standard Finance plc's (LON:NSF):. … Non-Standard Finance plc engages in the consumer credit business in the United Kingdom. … NSF is bordering on breakeven, according to Consumer Finance analysts.

Simply Wall St -

Interested In Non-Standard Finance plc (LON:NSF)’s Upcoming £0.02 Dividend? You Have 3 Days Left

View our latest analysis for Non-Standard Finance 5 questions to ask before buying a dividend stock When researching a dividend stock, I always follow the following screening criteria: Is their annual yield among the top 25% of dividend payers? … LSE:NSF Historical Dividend Yield May 13th 18 How does Non-Standard Finance fare? … Unfortunately, it is really too early to view Non-Standard Finance as a dividend investment.

Simply Wall St -

When Can We Expect A Profit From Non-Standard Finance Plc (LON:NSF)?

I’ve put together a brief outline of industry analyst expectations for NSF, its year of breakeven and its implied growth rate. … See our latest analysis for Non-Standard Finance NSF is bordering on breakeven, according to analysts. … LSE:NSF Past Future Earnings Mar 9th 18 Given this is a high-level overview, I won’t go into detail the detail of NSF’s upcoming projects, however, take into account that by and large a high growth rate is not out of the ordinary, particularly when a company is in a period of investment.

Simply Wall St -

Is Non-Standard Finance Plc's (LSE:NSF) CEO Pay Fair?

Since earnings are heading towards the right direction, CEO pay should echo de Blocq van Kuffeler's valued-adding activities. … LSE:NSF Past Future Earnings Nov 22nd 17 Is NSF's CEO overpaid relative to the market? … Usually I would use earnings and market cap to account for variations in performance, however, NSF's negative earnings lower the effectiveness of this method.

Simply Wall St -

All You Need To Know About Non-Standard Finance Plc's (LSE:NSF) Risks

For Non-Standard Finance Plc’s (LSE:NSF) shareholders, and also potential investors in the stock, understanding how the stock’s risk and return characteristics can impact your portfolio is important. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one. … Based on this beta value, NSF appears to be a stock that an investor with a high-beta portfolio would look for to reduce risk exposure to the market.

Simply Wall St -

NSF Company Info

Description

Non-Standard Finance plc engages in the unsecured credit business in the United Kingdom. It provides home credit loans; branch-based unsecured consumer loans; and guarantor loans. Non-Standard Finance plc was founded in 2014 and is based in Morley, the United Kingdom.

Details
Name: Non-Standard Finance plc
NSF
Exchange: LSE
Founded: 2014
£153,216,393
312,049,682
Website: http://www.nsfgroupplc.com
Address: Non-Standard Finance plc
7 Turnberry Park Road,
Gildersome,
Morley,
West Yorkshire, LS27 7LE,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE NSF Ordinary Shares London Stock Exchange GB GBP 19. Feb 2015
DB 5NF Ordinary Shares Deutsche Boerse AG DE EUR 19. Feb 2015
BATS-CHIXE NSFL Ordinary Shares BATS 'Chi-X Europe' GB GBP 19. Feb 2015
Number of employees
Current staff
Staff numbers
863
Non-Standard Finance employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/18 22:16
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/18
Last earnings filing: 2019/03/14
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.