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Provident Financial logo

PFG - Provident Financial Share Price

258.2p 11.2  4.5%

Last Trade - 07/05/21

Sector
Financials
Size
Mid Cap
Market Cap £654.8m
Enterprise Value £2.06bn
Revenue £920.0m
Position in Universe 544th / 1821
Bullish
Bearish
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Momentum
Relative Strength (%)
1m +6.31%
3m
6m
1yr
Volume Change (%)
10d / 3m
Price vs... (%)
52w High -21.9%
50d MA
200d MA
Growth & Value
12m Forecast Rolling Industry Market
Valuation (ttm) Industry Market
Margin of Safety
Qualifying GuruScreens
Financial Summary
Year End 31st Dec 2014 2015 2016 2017 2018 2019 2020E 2021E CAGR / Avg
1,076 1,113 1,183 1,196 1,091 998.3 828.1 743.7 -1.5%
+17.6 +20.8 +10.1 -62.8 +16.5 -8.8
PEG
Profitability
ROA
%
%
Cashflow
Dividends
Balance Sheet
NFA
m
FINANCIAL BRIEF: : For the six months ended 30 June 2020, ProvidentFinancial plc revenues decreased 11% to £445.6M. Net losstotaled £23.1M vs. income of £24.6M. Revenues reflect CCDsegment decrease of 22% to £118.4M, Vanquis Bank segmentdecrease of 10% to £261.1M. Net loss reflects Impairmentcharges increase of 45% to £240.3M (expense). BasicEarnings per Share excluding Extraordinary Items decreasedfrom £0.10 to -£0.09.
Health Trend(F-Score)
0 1 2 3 4 5 6 7 8 9
Bankruptcy Score(Z-Score)
Distress
Cautious
Safe
Earnings Manipulation Risk(M-Score)
Other Ratios
Recent History
Latest interim period vs. prior period Industry Market
3yr Compound Annual Growth Rate Industry Market
Latest News & Insights for PFG
Graphical History

Revenue

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Net Income

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Normalised EPS

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PE Ratio Range

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Dividend Yield Range

PFG Dividend Yield Range Unlock PFG Revenue
Analyst Forecasts
Price Target:
( below Price)
31st Dec 2021
31st Dec 2022
Est. Long Term Growth Rate: Net Profit
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EPS
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DPS
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Net Profit
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EPS
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Consensus Estimate
1m Change
3m Change
Analyst Consensus
Strong Sell Sell Hold Buy Strong Buy
EPS 2020 /  2021
PFG EPS Forecasts Unlock PFG Revenue
Profile Summary

Provident Financial plc is a United Kingdom-based non-standard lender. The Company's divisions include Vanquis Bank Limited (Vanquis Bank), Consumer Credit Division (CCD) and Moneybarn. Its segments include Vanquis Bank, CCD, Moneybarn and Central. The Company serves non-standard credit customers with a range of products from credit cards and car finance, to home credit and online unsecured, and guarantor loans. Vanquis Bank is engaged in the provision of credit cards. CCD is engaged in home credit business in the United Kingdom and Ireland. CCD includes Provident, which offers home credit loans; Satsuma, which is an online instalment loan product, and glo, which is a guarantor loans product. Moneybarn is engaged in the provision of vehicle finance. Its subsidiaries within CCD are Provident Financial Management Services Limited, Provident Personal Credit Limited and Greenwood Personal Credit Limited. Its Central segment includes its subsidiary, Central Provident Investments plc.

Directors
Last Annual December 31st, 2019
Last Interim June 30th, 2020
Incorporated August 31, 1960
Public Since March 16, 1962
No. of Shareholders: n/a
No. of Employees: 5,708
Sector Financials
Industry Banking Services
Index FTSE All Share , FTSE All-share - Financials Price Return Gbp End Of Day, FTSE All-share - General Financial Price Return Gbp End Of Day, FTSE 350 Higher Yield , FTSE 350 , FTSE 250 , FTSE 350 General Financial , ,
Exchange London Stock Exchange (Full)
Shares in Issue 253,615,794
Free Float (0.0%)
Eligible for
ISAs
SIPPs
PFG Share Price Performance
Share Price
Bid - Ask
Low - High
Spread
Day's Change
Avg Volume
Open - Close
Range (12m)
Beta
Latest News for PFG
Upcoming Events for PFG
Monday 10th May, 2021
Full Year 2020 Provident Financial PLC Earnings Release
Tuesday 24th August, 2021 Estimate
Half Year 2021 Provident Financial PLC Earnings Release
Frequently Asked Questions for Provident Financial
What is the Provident Financial share price?

As of 07/05/21, shares in Provident Financial are trading at 258.2p, giving the company a market capitalisation of £654.8m. This share price information is delayed by 15 minutes.

How has the Provident Financial share price performed this year?

Shares in Provident Financial are currently trading at 258.2p and the price has moved by 50.91% over the past 365 days. In terms of relative price strength - which takes into account the overall market trend - the Provident Financial price has moved by 22.51% over the past year.

What are the analyst and broker recommendations for Provident Financial?

Of the analysts with advisory recommendations for Provident Financial, there are there are currently 2 "buy" , 2 "hold" and 1 "sell" recommendations. The overall consensus recommendation for Provident Financial is Hold. You can view the full broker recommendation list by unlocking its StockReport.

When will Provident Financial next release its financial results?

Provident Financial is scheduled to issue upcoming financial results on the following dates:

Interim results are scheduled for: 2021-06-30
What is the Provident Financial dividend yield?

Provident Financial does not currently pay a dividend.

Does Provident Financial pay a dividend?

Provident Financial does not currently pay a dividend.

When does Provident Financial next pay dividends?

Provident Financial does not currently pay a dividend.

How do I buy Provident Financial shares?

To buy shares in Provident Financial you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.

What is the market cap of Provident Financial?

Shares in Provident Financial are currently trading at 258.2p, giving the company a market capitalisation of £654.8m.

Where are Provident Financial shares listed? Where are Provident Financial shares listed?

Here are the trading details for Provident Financial:

Country of listing: United Kingdom
Exchange: LSE
Ticker Symbol: PFG
What kind of share is Provident Financial?

Based on an overall assessment of its quality, value and momentum, Provident Financial is currently classified as a Contrarian. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.

Is there a Provident Financial share price forecast 2021?

Shares in Provident Financial are currently priced at 258.2p. At that level they are trading at 14.21% discount to the analyst consensus target price of 300.97.

Analysts covering Provident Financial currently have a consensus Earnings Per Share (EPS) forecast of -0.16914 for the next financial year.

How can I tell whether the Provident Financial share price will go up?

An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Provident Financial. Over the past six months, the relative strength of its shares against the market has been -7.39%. At the current price of 258.2p, shares in Provident Financial are trading at 6.16% against their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.

What is the Provident Financial PE Ratio?

The Provident Financial PE ratio based on its reported earnings over the past 12 months is 14.66. The shares are currently trading at 258.2p.

The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.

The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.

Who are the key directors of Provident Financial?

Provident Financial's management team is headed by:

Malcolm Le May - CEO
Andrea Blance - IND
Patrick Snowball - NEC
Elizabeth Chambers - NID
Paul Hewitt - NID
Charley Davies - GCN
Robert East - NID
Neeraj Kapur - CFO
Who are the major shareholders of Provident Financial?

Here are the top five shareholders of Provident Financial based on the size of their shareholding:

Schroder Investment Management Ltd. (SIM) Investment Advisor/Hedge Fund
Percentage owned: 14.98% (38.0m shares)
Aberforth Partners LLP Investment Advisor
Percentage owned: 6.26% (15.9m shares)
Redwood Capital Management, L.L.C. Hedge Fund
Percentage owned: 5.77% (14.6m shares)
BlackRock Advisors (UK) Limited Investment Advisor/Hedge Fund
Percentage owned: 5.53% (14.0m shares)
Davidson Kempner Capital Management LP Hedge Fund
Percentage owned: 5.22% (13.2m shares)
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