Non-Standard Finance plc engages in the unsecured credit business in the United Kingdom. More Details
Adequate balance sheet and overvalued.
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.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
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.
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
2 years ago | Simply Wall StBreakeven On The Horizon For Non-Standard Finance plc (LON:NSF)
2 years ago | Simply Wall StInterested In Non-Standard Finance plc (LON:NSF)’s Upcoming £0.02 Dividend? You Have 3 Days Left
2 years ago | Simply Wall StWhen Can We Expect A Profit From Non-Standard Finance Plc (LON:NSF)?
Is Non-Standard Finance undervalued compared to its fair value and its price relative to the market?
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).
How is Non-Standard Finance forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
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.
How has Non-Standard Finance performed over the past 5 years?
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.
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.
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.
What is Non-Standard Finance current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
John Philip de van Kuffeler (71 yo)
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.
|Group CFO & Director||0.75yr||no data||0.045% |
|Director of Investor Relations & Communications||no data||no data||no data|
|Chief Executive Officer of Loans at Home||4yrs||no data||no data|
|Managing Director of Guarantor Loans Division||4yrs||no data||no data|
|Company Secretary||3.17yrs||no data||no data|
Experienced Management: NSF's management team is considered experienced (4 years average tenure).
|Group CFO & Director||0.75yr||no data||0.045% |
|Non-Executive Chairman||4yrs||UK£125.00k||0.33% |
|Senior Independent Non-Executive Director||0.75yr||UK£75.00k||0.18% |
|Non Executive Director||0.25yr||no data||no data|
|Independent Non-Executive Director||6.08yrs||UK£83.00k||0.047% |
Experienced Board: NSF's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Non-Standard Finance plc's company bio, employee growth, exchange listings and data sources
- 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
- Non-Standard Finance plc
- 7 Turnberry Park Road
- West Yorkshire
- LS27 7LE
- United Kingdom
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|NSF||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||GBP||Feb 2015|
|5NF||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Feb 2015|
|NSFL||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||GBP||Feb 2015|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/22 20:23|
|End of Day Share Price||2021/01/22 00:00|
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.