Top ten payday lenders

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	Y	Z	AA	AB	AC	AD
1	Rank	Company	Trades As	Most Recent Turnover	Most Recent Pre-tax profit	Representative APR for Payday Loan Product**	2012 Turnover	2011 Turnover	2010 Turnover	2009 Turnover	2008 Turnover	Three Year Growth	Percentage Growth Rate	Compound Annual Growth Rate Across Three Years	Five Year Growth	Percentage Growth Rate	Compound Annual Growth Rate Across Five Years	Representative APR for Payday Loan Product**	Maximum Loaned	Maximum Loan Period	Pre-tax profit 2012	Pre-tax profit 2011	Pre-tax profit 2010	Pre-tax profit 2009	Pre-tax profit 2008	Operating profit 2012	Operating profit 2011	Operating profit 2010	Operating profit 2009	Operating profit 2008

2	1	Wonga	Wonga	£ 309,290,000.00	£ 84,476,000.00	5853%	£ 309,290,000.00	£ 184,674,000.00	£ 56,905,000.00	£ 18,500,496.00	AA	5.4	444%	76%				5853%	£ 1,000.00	40 Days	£ 84,476,000.00	£ 62,427,000.00	£ 16,896,000.00	-£ 151,846.00	AA	£ 84,111,000.00	£ 63,415,000.00	£ 17,491,000.00	-£ 1,151,846.00	AA
3	2	CashEuroNet UK LLC	Quick Quid, Pounds to Pocket	£ 198,101,370.00		1734%	£ 198,101,370.00	£ 136,641,000.00	£ 61,582,080.00	£ 25,340,160.00	£ 14,856,960.00	3.2	222%	48%	13.3	1233%	68%	1734%	£ 1,500.00	3 Paydays
4	3	Instant Cash Loans Ltd	The Money Shop, AdvanceBritain.com, Cash Till Payday	£ 172,315,000.00	£ 34,608,000.00	2961%	£ 172,315,000.00	£ 128,648,000.00	£ 95,094,000.00	£ 81,533,000.00	£ 66,644,000.00	1.8	81%	22%	2.6	159%	21%	2961%	£ 1,000.00	Payday	£ 34,608,000.00	£ 32,892,000.00	£ 32,741,000.00	£ 27,072,000.00	£ 19,970,000.00	£ 34,379,000.00	£ 34,301,000.00	£ 32,500,000.00	£ 26,860,000.00	£ 19,880,000.00
5	4	MEM Consumer Finance Ltd	Payday UK, Month End Money	£ 123,112,910.00	£ 38,713,149.00	2160%	£ 123,112,910.00		£ 60,057,811.00	£ 40,995,991.00	£ 23,430,811.00	2.0	105%	27%	5.3	425%	39%	2160%	£ 1,000.00	Payday	£ 38,713,149.00		£ 16,762,408.00	£ 12,751,486.00	£ 2,030,855.00	£ 38,437,885.00		£ 17,779,188.00	£ 13,669,350.00	£ 3,037,064.00
6	5	Express Finance (Bromley) Ltd	Payday Manager, Payday Express	£ 51,763,131.00	£ 16,641,763.00	2371%	£ 51,763,131.00	£ 34,426,778.00	£ 21,411,180.00		£ 4,366,574.00	2.4	142%	34%	11.9	1085%	64%	2371%	£ 750.00	Payday	£ 16,641,763.00	£ 10,638,209.00	£ 4,746,137.00		£ 902,115.00	£ 16,845,746.00	£ 10,925,895.00	£ 4,895,622.00		£ 1,035,059.00
7	6	WageDayAdvance Ltd	Wage Day Advance	£ 39,518,114.00	£ 19,805,832.00	7069%	£ 39,518,114.00	£ 34,186,270.00	£ 15,917,076.00	£ 7,612,255.00	£ 1,701,677.00	2.5	148%	35%	23.2	2222%	88%	7069%	£ 400.00	Payday	£ 19,805,832.00	£ 16,395,481.00	£ 8,347,099.00	£ 3,059,037.00	£ 609,068.00	£ 19,711,361.00	£ 16,394,491.00	£ 8,380,728.00	£ 3,083,093.00	£ 631,873.00
8	7	Lending Stream Ltd	Lending Stream, Zebit	£ 32,743,910.00	-£ 4,315,739.00	1562%		£ 32,743,910.00	£ 10,394,823.00	£ 779,704.00	Incorporated	42.0	4100%	248%				1562%	£ 800.00	7 Months		-£ 4,315,739.00	-£ 3,676,344.00	-£ 488,223.00	N/A		-£ 3,592,312.00	-£ 3,643,930.00	-£ 488,223.00	Incorporated
9	8	TxtLoan Ltd	MyJar	£ 22,419,439.00	£ 470,655.00	3943%	£ 22,419,439.00	£ 4,623,231.00	£ 1,093,898.00	AA	Incorporated	20.5	1949%	174%				3943%	£ 500.00	18 Days	£ 470,655.00	£ 272,846.00	£ 50,486.00	AA	Incorporated	£ 8,547,149.00	£ 2,192,191.00	£ 50,486.00	AA	Incorporated
10	9	CFO Lending Ltd	Capital Finance One, CFO Lending	£ 19,635,755.00	£ 76,235.00	6759%	£ 19,635,755.00	£ 6,462,295.00	£ 790,112.00	AA	AA	24.9	2385%	192%				6759%	£ 600.00	Payday	£ 76,235.00	£ 39,757.00	-£ 133,545.00	AA	AA	£ 1,090,198.00	£ 368,601.00	-£ 133,545.00	AA	AA
11	10	PDL Finance Ltd	Mr Lender	£ 17,491,214.00	£ 3,243,555.00	4849%	£ 17,491,214.00	£ 5,287,659.00			Incorporated	3.3	231%					4849%	£ 500.00	Payday	£ 3,243,555.00	£ 155,290.00				£ 469,782.00	£ 590,497.00
12				£ 788,289,473.00								10.8	981%	95%	11.3	1025%	56%
13	AA = Abbreviated accounts, meaning that complete financial figures could not be obtained.			Total most recent turnover for top ten companies								Average growth across 3 years	Average % growth across 3 years	Average compound annual growth rate for three years	Average growth across 5 years	Average % growth across 5 years	Average compound annual growth rate across 5 years
14
15	* Companies listed provide short term payday-style loans.The list only includes companies where there are publicly available annual accounts for a minimum of three years, with the exception of PDL Finance, which was the next highest performing company with full accounts available.	** When selecting loan information the payday-style loan product with the highest APR was used. Some companies offer more than one product, including products with lower APRs.	NOTE ON GROWTH - Two forms of growth have been included. "Percentage Growth" examines growth between the start and end points of revenues reported in a company's accounts. "Compound Annual Growth Rate" shows a rate of year on year growth across the period. It is a standard economic measure that can be used to compare growth across time.
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