CURO continues its mission to be a leading and responsible consumer credit lender in the U.S. and Canada. In 2022, we transformed CURO through the sale of our primarily single pay Speedy Cash business and the integration of Heights Finance and acquisition of First Heritage. These transactions solidified our efforts to focus on our Direct Lending business. We have now repositioned CURO from a short-term lender to offering longer-term, higher balance and lower risk credit products, which we believe best positions us to drive long-term shareholder value.

As we look to the future, our priorities are to Grow Responsibly, Executive with Excellence and Strengthen our Foundation. We will continue to leverage hard-to-replicate capabilities while increasing our footprint. To that end, we will look to expand our product set to offer multiple credit options for customers’ changing needs. Our tech-enabled platform will continue to focus on accessibility, reliability and ease-of-use. We will also remain focused on credit risk mitigation and underwriting by rapidly advancing the maturity of our data environment and increasing the sophistication of our credit, fraud and portfolio analytics.

Growth Strategy Framework

Grow Responsibly

  • Right customer, right product capabilities
  • Continued credit risk improvements
  • Expand customer acquisition capabilities
  • Expand branch footprint

Execute with Excellence

  • Continued expense efficiencies
  • Further centralize and automate operations
  • New procurement programs

Strengthen our Foundation

  • Enhance liquidity position and manage to a minimum run-rate level
  • Continue to create highly scalable, reliable and innovative technology