CURO Group Holdings Credit Presentation Deck
Large Addressable US Consumer Market Remains Underserved
Large Total Addressable Market
▪ 68% of American adults could
not cover an emergency
expense of $400 without
assistance (¹)
U.S. Population by FICO Band (3)
123
23.30%
> 800
23.10%
1750 - 799
16.40%
700 - 749
May 2022 Federal Reserve System Board of Governors Report
on the Economic Well-Being of U.S. Households in 2021
TransUnion Credit Industry Insights Report (Q2 2022)
April 2021; FICO
Favorable Customer Trends
■
Non-prime unsecured personal loan balances increased
92.4% from Q2-21 to Q2-22 (2)
▪ This recent increase has driven the distribution of non-
prime loans (as a % of total unsecured personal loans) to
its highest level since 2018 (2)
13.00%
650 - 699
9.20%
600 - 649
7.10%
1550-599
5.40%
500 - 549
3.00%
< 500
The average Heights customer predominantly sits within these five FICO
bands, which represent ~25% of the U.S. population
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