CURO Group Holdings Credit Presentation Deck
CURO Business Segments - US Direct Lending
PRODUCT DETAILS
509 branches across 13
southern and midwestern
states
Near Prime Loans
$1,000 $10,000
☐ 18 - 60 month terms
Secured or Unsecured
■
R
Non-Prime Loans
$250 - $1,500
R 5-12 month terms
■ Unsecured
W
Customary credit insurance
and other financial products
Approximately 50% of loans
are <36% APR.
¹ Metric ranges have been normalized to
account for pandemic-related impacts
As % of Loan Balances
- Illustrative¹
Interest Revenue
Ancillary Revenue
Total Revenue
Net Charge-Offs
Operating Expenses
Funding Costs as a % of
debt balance
Return on Assets % (Adj
PTI/Avg Loan Balances)
46% - 48%
5% - 7%
51% -55%
11% -13%
25% -29%
1 Mo. SOFR
+4.25%
7% - 10%
GROWTH STRATEGY
Strong synergy potential
through branch optimization,
cost efficiencies and cross-
selling opportunities
HEIGHTS 1 Heritage
FINANCE
CREDIT
Expand in-market branch
presence and into new states to
capitalize on the potential
addition of millions of near-
prime and non-prime
customers
LOAN BALANCES²
(Millions)
$600
$204
$166
$229
$715
$230
$192
$293
2020
Heights Large Loan
First Heritage
2 Excludes impacts of purchase accounting
2021
$730
$235
$197
$298
Jun-22
Heights Small Loan
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