Manx Financial Group Plc · LSE:MFX
Manx Financial — FY2025 Earnings Presentation
18 slides from Manx Financial's earnings presentation, May 2026
Slide 1: Resilient Growth. Expanding Opportunity. Strong Foundations.
Resilient Growth. Expanding Opportunity. Strong Foundations. FULL YEAR 2025 RESULTS PRESENTATION | MAY 2026
Slide 2: Disclaimer
This presentation (the “Presentation”) has been prepared by Manx Financial Group PLC (“MFG” or the “Company”). This Presentation contains general and background information about MFG’s activities current as at the date of the This Presentation contains both historical facts and statements relating t
Slide 3: The MFG Companies
The MFG Companies Manx Financial Group PLC is a diversified financial services group head-quartered on the Isle of Man, delivering a unique combination of traditional banking, specialist financial services, and strategic investments. NAV TNAV/ Normalised SHARE ROTE £43.6m 22.2p 30.9% Normalised Repo
Slide 4: MFG Leadership
MFG Leadership Jim Mellon Douglas Grant James Smeed Denham Eke Jenny Quirke Gregory Bailey EXECUTIVE CHAIRMAN CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER EXECUTIVE VICE CHAIRMAN NON - EXECUTIVE DIRECTOR NON - EXECUTIVE DIRECTOR Extensive global Seasoned financial More than 20+ years’ capital mar
Slide 5: MFG at a glance
MFG at a glance Specialist Access to a Diversity of Consistently Stable funding model large, stable income streams high returns. dividend focussed on non- deposit base in through Manx FY25 policy. bank lenders the Isle of Man Ventures. normalised FY25 in underserved and UK. 13 operating RoTE of divi
Slide 6: 2025 a year of continued strategic and operational progress
2025 a year of Net interest income Basic earnings per Net assets per share Normalised return continued increased by 14.3% share was 5.33p (2024: rose to 35.4p (2024: 31.1p) on tangible equity to £37.5 million. 6.87p) and normalised remained high at strategic and (2024: £32.8 million), and tangible n
Slide 7: Group Financial Highlights
Group Financial Highlights NET INTEREST INCOME NORMALISED BASIC EPS TNAV PER SHARE NORMALISED RoTE FY2025 £37.5m FY2025 6.28p FY2025 22.2p FY2025 30.9% FY2024 £32.8m FY2024 5.70p FY2024 17.9p FY2024 32.4% FY2023 £32.4m FY2023 4.59p FY2023 17.3p FY2023 29.1% FY2022 £24.4m FY2022 3.77p FY2022 14.2p FY
Slide 8: Share Price History
Share Price History Period: 1 January 2025 - 8 May 2026 Fiinu strategic alliance announced POST PERIOD FY2024 results published 1H 2025 Director interim results appointment and £2m Fiinu CLN Appointment CAM Wealth of Shore Capital 4Q 2025 Group update operational Acquisition of CAM Wealth update 3Q
Slide 9: Group Strategic Highlights
Group Strategic Highlights DISCIPLINED PLUG‑IN OVERDRAFT REPUBLIC OF DEPLOYMENT CAPABILITY IRELAND BNPL The Board remains focused Development of a modular, Progression of preparatory on disciplined execution “plug‑in” overdraft work to support potential and remains well placed capability to enable f
Slide 10: MFG Core Subsidiaries
MFG Core Subsidiaries Our entrepreneurial subsidiary currently Provides a variety of financial products, Payment Assist is the UK’s leading holds 100% of the issued share capital services, and facilities to the Isle of Man and automotive repair point-of-sale of seven companies. the UK consumer and b
Slide 11: High-quality profitable lending engine.
High-quality profitable lending engine. Fully licensed bank in UK MARKET SIZE UK MARKET £15.7bn 350 both IOM and UK % Lending Split UK/IOM 2025 The majority of lending SME only Licensed Banks is in the UK (SMEs) UK MARKET SHARE ~3K 36% Facility sizes: £1 - £100m Non Bank Lenders 50k Maximum individu
Slide 12: Driving growth through strategic expansion and liquidity deployment.
Driving growth through strategic expansion and liquidity deployment. OPERATING LOAN BOOK CASH & PROFIT GROWTH NEAR CASH £21.7m £407.5m £95.5m Gain market share in +25.5% +11.3% +4.8% existing markets by 2024: £17.3m 2024: £366.1m 2024: £91.1m leveraging our ability to raise liquidity and successfull
Slide 13: Scaling growth through flexible automotive finance.
Scaling growth through flexible automotive finance. The UK’s leading 2025 CUSTOMER KEY PARTNER DISTRIBUTION automotive repair ADVANCES BASE AGREEMENTS SPLIT (%) £219.7m 1.5m+ 8 point-of-sale finance provider, offering Other 6.1% +28.9% diversified lending, Unique Customers Retail Automotive includin
Slide 14: Building for scale, regulation and expansion.
Building for scale, regulation and expansion. MARKET PLATFORM GROWTH OPPORTUNITY EXPANSION GOVERNANCE ~£4.4bn Annual UK gross New collections system FCA regulation (July 2026) – well prepared funding opportunity Additional funding line coming PAL Market Share: The leading UK BNPL 5.1% Irish Consumer
Slide 15: Fuelling growth through strategic investment.
Fuelling growth through strategic investment. HOLDINGS 2025 DIVIDENDS CURRENT VENTURES 100% of the issued share capital in 7 companies. £1.1m Additional value not Options to increase fully priced in. shareholdings in another 4 companies. 15
Slide 16: Accelerating growth. Expanding markets. Delivering value.
Accelerating growth. Expanding markets. Delivering value. INORGANIC & INCUBATE MONETISATION 2026 + ACQUISITION • Targeted acquisitions • BNPL launch • Dividends • Expand overdraft & • Swap costly debt (Ireland EU) • NAV growth premium finance instant uplift • Scale across Europe • Exit optionali
Slide 17: Resilient Growth. Expanding Opportunity. Strong Foundations.
Exposure to Attractive, Favourable structural tailwinds in UK Resilient underserved, high-margin growing segments. lending model. lending markets. Traditional banks Scalable platform Elevated interest rate Growth. continue to retrench, with resilient earnings environment and cost- creating a long-te
Slide 18: Thank you.
Thank you. Douglas Grant James Smeed GROUP CEO GROUP FINANCE DIRECTOR douglas.grant@mfg.im james.smeed@mfg.im Investor Relations mfg@tavistock.co.uk Manx Financial Group PLC. Company number 004908V. Incorporated in the Isle of Man. Registered Office: Clarendon House, Victoria Street, Douglas, Is