zopa group limited
zopa group limited Company Information
Company Number
10624955
Next Accounts
Sep 2025
Shareholders
iag silverstripe llc
svf ii zebu (de) llc
View AllGroup Structure
View All
Industry
Activities of financial services holding companies
Registered Address
1st floor cottons centre, 47-49 tooley street, london, SE1 2QG
Website
www.zopa.comzopa group limited Estimated Valuation
Pomanda estimates the enterprise value of ZOPA GROUP LIMITED at £1.6b based on a Turnover of £588.9m and 2.73x industry multiple (adjusted for size and gross margin).
zopa group limited Estimated Valuation
Pomanda estimates the enterprise value of ZOPA GROUP LIMITED at £23.5m based on an EBITDA of £2.3m and a 10.1x industry multiple (adjusted for size and gross margin).
zopa group limited Estimated Valuation
Pomanda estimates the enterprise value of ZOPA GROUP LIMITED at £687.9m based on Net Assets of £413.2m and 1.67x industry multiple (adjusted for liquidity).
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Zopa Group Limited Overview
Zopa Group Limited is a live company located in london, SE1 2QG with a Companies House number of 10624955. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in February 2017, it's largest shareholder is iag silverstripe llc with a 44% stake. Zopa Group Limited is a young, mega sized company, Pomanda has estimated its turnover at £588.9m with rapid growth in recent years.
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Zopa Group Limited Health Check
Pomanda's financial health check has awarded Zopa Group Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs
5 Strong
2 Regular
3 Weak
Size
annual sales of £588.9m, make it larger than the average company (£11.7m)
£588.9m - Zopa Group Limited
£11.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 170%, show it is growing at a faster rate (9.1%)
170% - Zopa Group Limited
9.1% - Industry AVG
Production
with a gross margin of 78.4%, this company has a comparable cost of product (78.4%)
78.4% - Zopa Group Limited
78.4% - Industry AVG
Profitability
There is insufficient data available for this Key Performance Indicator!
- - Zopa Group Limited
- - Industry AVG
Employees
with 692 employees, this is above the industry average (65)
692 - Zopa Group Limited
65 - Industry AVG
Pay Structure
on an average salary of £92.4k, the company has an equivalent pay structure (£83k)
£92.4k - Zopa Group Limited
£83k - Industry AVG
Efficiency
resulting in sales per employee of £851k, this is more efficient (£212k)
£851k - Zopa Group Limited
£212k - Industry AVG
Debtor Days
it gets paid by customers after 1593 days, this is later than average (47 days)
1593 days - Zopa Group Limited
47 days - Industry AVG
Creditor Days
its suppliers are paid after 10087 days, this is slower than average (48 days)
10087 days - Zopa Group Limited
48 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Zopa Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 19 weeks, this is less cash available to meet short term requirements (27 weeks)
19 weeks - Zopa Group Limited
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 89.8%, this is a higher level of debt than the average (54.1%)
89.8% - Zopa Group Limited
54.1% - Industry AVG
ZOPA GROUP LIMITED financials
Zopa Group Limited's latest turnover from December 2023 is £588.9 million and the company has net assets of £413.2 million. According to their latest financial statements, Zopa Group Limited has 692 employees and maintains cash reserves of £1.3 billion as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | |
|---|---|---|---|---|---|---|---|---|
| Turnover | 588,906,000 | 208,633,000 | 76,028,000 | 29,810,000 | 47,027,000 | 38,550,000 | 43,980,000 | 33,220,454 |
| Other Income Or Grants | ||||||||
| Cost Of Sales | 42,364,000 | 13,277,000 | 8,628,000 | 13,563,000 | 4,409,000 | 10,346,000 | 10,894,377 | |
| Gross Profit | 166,269,000 | 62,751,000 | 21,182,000 | 33,464,000 | 34,141,000 | 33,634,000 | 22,326,077 | |
| Admin Expenses | 88,697,000 | 69,572,000 | 49,728,000 | 51,411,000 | 52,415,000 | 39,023,000 | 29,023,639 | |
| Operating Profit | 77,572,000 | -6,821,000 | -28,546,000 | -17,947,000 | -18,274,000 | -5,389,000 | -6,697,562 | |
| Interest Payable | ||||||||
| Interest Receivable | 49,000 | 16,000 | 50,455 | |||||
| Pre-Tax Profit | 10,828,000 | -23,783,000 | -48,312,000 | -41,479,000 | -18,136,000 | -18,295,000 | -5,536,000 | -6,647,107 |
| Tax | 23,064,000 | 10,000 | 97,000 | -242,000 | 2,738,000 | 434,000 | 1,278,000 | -23,338 |
| Profit After Tax | 33,892,000 | -23,773,000 | -48,215,000 | -41,721,000 | -15,398,000 | -17,861,000 | -4,258,000 | -6,670,445 |
| Dividends Paid | ||||||||
| Retained Profit | 33,892,000 | -23,773,000 | -48,215,000 | -41,721,000 | -15,398,000 | -17,861,000 | -4,258,000 | -6,670,445 |
| Employee Costs | 63,933,000 | 49,106,000 | 36,658,000 | 32,405,000 | 32,023,000 | 25,384,000 | 16,635,000 | 11,814,634 |
| Number Of Employees | 692 | 600 | 464 | 452 | 442 | 369 | 267 | 188 |
| EBITDA* | 2,328,000 | 83,798,000 | -383,000 | -23,507,000 | -12,778,000 | -14,966,000 | -3,730,000 | -6,697,562 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 105,978,000 | 2,069,000 | 3,882,000 | 7,042,000 | 10,199,000 | 12,807,000 | 5,789,000 | 2,718,976 |
| Intangible Assets | 26,736,000 | 9,468,000 | 9,346,000 | 11,106,000 | 11,310,000 | 8,006,000 | 4,381,000 | 1,218,021 |
| Investments & Other | ||||||||
| Debtors (Due After 1 year) | 9,370,000 | 2,783,000 | 1,360,071 | |||||
| Total Fixed Assets | 132,714,000 | 11,537,000 | 13,228,000 | 18,148,000 | 21,509,000 | 20,813,000 | 10,170,000 | 3,936,997 |
| Stock & work in progress | ||||||||
| Trade Debtors | 2,571,455,000 | 797,000 | 891,000 | 533,620 | ||||
| Group Debtors | ||||||||
| Misc Debtors | 5,294,000 | 2,963,000 | 2,842,000 | 3,564,000 | 3,303,000 | 2,598,000 | 1,370,755 | |
| Cash | 1,336,105,000 | 1,434,180,000 | 244,637,000 | 63,392,000 | 7,221,000 | 12,644,000 | 9,032,000 | 9,898,574 |
| misc current assets | 5,716,000 | 1,976,330,000 | 1,179,340,000 | 242,329,000 | 19,126,000 | 19,834,000 | 1,111,000 | |
| total current assets | 3,927,625,000 | 3,415,804,000 | 1,426,940,000 | 308,563,000 | 33,537,000 | 36,578,000 | 13,632,000 | 11,802,949 |
| total assets | 4,060,339,000 | 3,427,341,000 | 1,440,168,000 | 326,711,000 | 55,046,000 | 57,391,000 | 23,802,000 | 15,739,946 |
| Bank overdraft | ||||||||
| Bank loan | 180,074,000 | 175,175,000 | 162,000 | 21,000 | ||||
| Trade Creditors | 3,521,143,000 | 1,026,000 | 1,747,000 | 283,000 | 665,000 | 206,000 | 2,513,000 | 1,620,816 |
| Group/Directors Accounts | ||||||||
| other short term finances | 78,485,000 | 2,927,377,000 | 974,248,000 | 97,000 | ||||
| hp & lease commitments | 1,067,000 | 3,302,000 | 5,965,000 | 8,300,000 | ||||
| other current liabilities | 18,123,000 | 21,389,000 | 186,130,000 | 9,525,000 | 8,282,000 | 4,994,000 | 2,712,405 | |
| total current liabilities | 3,645,007,000 | 3,127,667,000 | 1,175,861,000 | 192,637,000 | 18,511,000 | 8,488,000 | 7,507,000 | 4,333,221 |
| loans | ||||||||
| hp & lease commitments | ||||||||
| Accruals and Deferred Income | ||||||||
| other liabilities | ||||||||
| provisions | ||||||||
| total long term liabilities | 2,158,000 | |||||||
| total liabilities | 3,647,165,000 | 3,127,667,000 | 1,175,861,000 | 192,637,000 | 18,511,000 | 8,488,000 | 7,507,000 | 4,333,221 |
| net assets | 413,174,000 | 299,674,000 | 264,307,000 | 134,074,000 | 36,535,000 | 48,903,000 | 16,295,000 | 11,406,725 |
| total shareholders funds | 413,174,000 | 299,674,000 | 264,307,000 | 134,074,000 | 36,535,000 | 48,903,000 | 16,295,000 | 11,406,725 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | 77,572,000 | -6,821,000 | -28,546,000 | -17,947,000 | -18,274,000 | -5,389,000 | -6,697,562 | |
| Depreciation | 2,328,000 | 2,399,000 | 2,725,000 | 3,289,000 | 3,477,000 | 1,405,000 | 781,000 | |
| Amortisation | 3,827,000 | 3,713,000 | 1,750,000 | 1,692,000 | 1,903,000 | 878,000 | ||
| Tax | 23,064,000 | 10,000 | 97,000 | -242,000 | 2,738,000 | 434,000 | 1,278,000 | -23,338 |
| Stock | ||||||||
| Debtors | 2,566,161,000 | 2,331,000 | 121,000 | -722,000 | -9,906,000 | 7,198,000 | 3,007,554 | 3,264,446 |
| Creditors | 3,520,117,000 | -721,000 | 1,464,000 | -382,000 | 459,000 | -2,307,000 | 892,184 | 1,620,816 |
| Accruals and Deferred Income | -18,123,000 | -3,266,000 | -164,741,000 | 176,605,000 | 1,243,000 | 3,288,000 | 2,281,595 | 2,712,405 |
| Deferred Taxes & Provisions | ||||||||
| Cash flow from operations | 77,490,000 | -163,684,000 | 153,196,000 | 1,568,000 | -20,749,000 | -2,285,775 | ||
| Investing Activities | ||||||||
| capital expenditure | ||||||||
| Change in Investments | ||||||||
| cash flow from investments | ||||||||
| Financing Activities | ||||||||
| Bank loans | -180,074,000 | 4,899,000 | 175,013,000 | 141,000 | 21,000 | |||
| Group/Directors Accounts | ||||||||
| Other Short Term Loans | -2,848,892,000 | 1,953,129,000 | 974,151,000 | 97,000 | ||||
| Long term loans | ||||||||
| Hire Purchase and Lease Commitments | -1,067,000 | -2,235,000 | -2,663,000 | -2,335,000 | 8,300,000 | |||
| other long term liabilities | ||||||||
| share issue | ||||||||
| interest | 49,000 | 16,000 | 50,455 | |||||
| cash flow from financing | 2,014,933,000 | 1,324,949,000 | 137,163,000 | 11,351,000 | 50,518,000 | 9,162,275 | 18,127,625 | |
| cash and cash equivalents | ||||||||
| cash | -98,075,000 | 1,189,543,000 | 181,245,000 | 56,171,000 | -5,423,000 | 3,612,000 | -866,574 | 9,898,574 |
| overdraft | ||||||||
| change in cash | -98,075,000 | 1,189,543,000 | 181,245,000 | 56,171,000 | -5,423,000 | 3,612,000 | -866,574 | 9,898,574 |
zopa group limited Credit Report and Business Information
Zopa Group Limited Competitor Analysis
Perform a competitor analysis for zopa group limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in SE1 area or any other competitors across 12 key performance metrics.
zopa group limited Ownership
ZOPA GROUP LIMITED group structure
Zopa Group Limited has 2 subsidiary companies.
Ultimate parent company
ZOPA GROUP LIMITED
10624955
2 subsidiaries
zopa group limited directors
Zopa Group Limited currently has 13 directors. The longest serving directors include Mr Giles Andrews (Feb 2017) and Mr Jaidev Janardana (Mar 2017).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Giles Andrews | Ireland | 59 years | Feb 2017 | - | Director |
| Mr Jaidev Janardana | United Kingdom | 46 years | Mar 2017 | - | Director |
| Mr Richard Goulding | Ireland | 65 years | Sep 2017 | - | Director |
| Mr Gordon McCallum | England | 65 years | Feb 2019 | - | Director |
| Mr Nicholas Aspinall | England | 60 years | Jun 2020 | - | Director |
| Mr Scott Jones | England | 64 years | Jun 2020 | - | Director |
| Mr Michael Woodburn | United Kingdom | 54 years | Oct 2020 | - | Director |
| Ms Gaenor Bagley | England | 60 years | Jan 2022 | - | Director |
| Mr Stephen Hulme | United Kingdom | 53 years | Jan 2022 | - | Director |
| Mr Paul Cutter | England | 55 years | Jan 2022 | - | Director |
P&L
December 2023turnover
588.9m
+182%
operating profit
0
-100%
gross margin
78.4%
-1.67%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
413.2m
+0.38%
total assets
4.1b
+0.18%
cash
1.3b
-0.07%
net assets
Total assets minus all liabilities
zopa group limited company details
company number
10624955
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
February 2017
age
8
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
1st floor cottons centre, 47-49 tooley street, london, SE1 2QG
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
zopa group limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to zopa group limited.
zopa group limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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zopa group limited Companies House Filings - See Documents
| date | description | view/download |
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