Business model

We are specialists in unlocking value from high-return niches

Our unique platform enables us to achieve results significantly above our cost of capital, deliver significant shareholder value and fulfil our purpose of building better financial futures for all our stakeholders, including our customers.

Our pan-European platform now operates in five countries where we view the assets niches as the most attractive.​

Niches by
asset class

UK

Portugal

Italy

Netherlands

Ireland

Consumer

Capquest

Gesphone

Parr Credit

Vesting

Small market

SME

Mars Capital

Whitestar

Europa Investimenti

RNHB

Mars Capital

Mortgage

Mars Capital

Whitestar

Expanding Parr

Vesting

Mars Capital

Real Estate

Mars Capital

Norfin

Europa Investimenti (Sagitta)

M7

Mars Capital

Master servicing/
Securitisation/
Credit bureau

Mars Capital

Hefesto

Zenith

Focum

Mars Capital

Fund management

Arrow UK

Norfin

Europa Investimenti (Sagitta)

Arrow Netherlands

Arrow Ireland

  • Our unique platform strategically positions us to be a partner of choice for local banks, credit funds and the capital markets.
  • We originate high quality assets through our Investment business and Asset management and servicing business.
  • We use our data advantage and local expertise for prudent underwriting across asset classes.
  • We service our own and our clients’ portfolios through a highly customer-centric approach.
  • We maintain regulatory conduct parity with banks and prudently manage risk across our portfolios and operations.

Customers
We help our customers build better financial futures by assisting them in creating affordable repayment plans in order to help them rehabilitate their credit scores. 

Clients
We maintain strong relationships with financial institutions and institutional investors. This means we are able to assist financial institutions to deleverage by acquiring portfolios from them (the Investment Business) and are strongly positioned to assist our institutional fund partners to value and service their own portfolio acquisitions (the Asset Management and Servicing Business).

Employees
Our people provide the essential talent and energy to fulfil our purpose and goals. We rely on them to drive premium customer service and deliver excellent customer outcomes.

Communities
We believe in working with the communities where we operate, ensuring that we do all we can to have a positive influence through supporting local charities and initiatives. We have a clear strategy to support organisations that focus on financial education and support. We work closely with Citizens Advice (CA), as well as a range of debt charities and advisory firms, including StepChange, Payplan and Christians Against Poverty.

Shareholders and investors
We believe that focusing on ensuring excellent outcomes for all our stakeholders will help us to deliver consistently strong returns and, therefore, create long-term value for shareholders. We have a consistent track record of meeting our financial targets of delivering underlying return on equity in the mid-20s percentage and a dividend pay-out ratio of at least 35% of net underlying income. This consistency is further underpinned by balance sheet discipline that prioritises stable, long-term funding.