CURO Group Holdings Credit Presentation Deck
Important Information
FORWARD-LOOKING STATEMENTS
This presentation contains forward-looking statements. These forward-looking statements include projections, estimates and assumptions
about various matters such as our growth strategy and opportunities presented in our addressable market. In addition, words such as
"estimate," "believe," "forecast," "predict," "project," "intend," "expect," "should," variations of such words and similar expressions are intended to
identify forward-looking statements. Our ability to achieve these forward-looking statements is based on certain assumptions, judgments and
other factors, both within and outside of our control, that could cause actual results to differ materially from those in the forward-looking
statements, including, risks relating to the uncertainty of projected financial information and forecasts, the effects of competition on our
business; our ability to attract and retain customers; global economic, market, financial, political or health conditions or events; our dependence
on third-party lenders to provide the cash we need to fund our loans and our ability to affordably access third-party financing; our level of
indebtedness; our ability to integrate acquired businesses; the impact of regulations on our business; our ability to protect our proprietary
technology and analytics; disruption of our information technology systems; improper disclosure of customer personal data as well as other
factors discussed in our filings with the Securities and Exchange Commission. The foregoing factors, as well as other existing risk factors and
new risk factors that emerge from time to time, may cause actual results to differ materially from those contained in any forward-looking
statements. Given these risks and uncertainties, investors should not place undue reliance on forward-looking statements as a prediction of
actual future results. Furthermore, the Company undertakes no obligation to update, amend or clarify forward-looking statements.
Non-GAAP Financial Measures
In addition to the financial information prepared in conformity with U.S. GAAP, we provide certain "non-GAAP financial measures," including:
Adjusted Pre-Tax Income, (Income from continuing operations before income taxes minus certain non-cash and other adjusting items); Non-
recourse debt (Debt related to funding loans); and Recourse debt (Debt not related to funding loans). Such measures are intended as a
supplemental measure of our performance that are not required by, or presented in accordance with, GAAP. We present these non-GAAP
financial measures because we believe that, when viewed with our GAAP results, such measures provide useful information for comparing our
performance over various reporting periods as they remove from our operating results the impact of items that we believe do not reflect our
core operating performance. These non-GAAP financial measures are not substitutes for any GAAP financial measure and there are limitations
to using them. Although the Company believes that these non-GAAP financial measures can make an evaluation of our operating performance
more consistent because they remove items that do not reflect our core operations, other companies in the Company's industry may define
their own non-GAAP financial measures differently or use different measures. As a result, it may be difficult to use any non-GAAP financial
measure to compare the performance of other companies to our performance. The non-GAAP financial measures presented in these slides
should not be considered as measures of the income generated by our business or discretionary cash available to us to invest in the growth of
our business. Our management compensates for these limitations by reference to GAAP results and using these non-GAAP financial measures
as supplemental measures.
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