Provident Financial Plc

Provident Financial (PFG)

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Company name:Provident Financial Plc
Company Description:The company is an international personal financial services group focused on credit, cash collection and insurance. Services include loans, home credit, motor insurance policies, insurance brokering and reinsurance
EPIC:PFGTrading Currency:GBX
Market Sector:F25FISIN:GB00B1Z4ST84
Market Segment:STMMShare Type:DE
WWW Address:http://www.providentfinancial.co.uk/Description:ORD 20 8/11P
Industry Sector:NONEQUITY INVESTMENT INSTRUMENTS
 Price Price Change [%] Bid Offer Open High Low Volume
 219.40 images.advfn.com/imagesnew/2/gb/up 17.4 [8.61] 219.00 219.40 204.40 229.60 204.40 1,749,077
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 556.43 253.62 -1.74 33.30 25.00 6.59 11.39 542.20 - 138.00

Provident Financial Key Figures

(at previous day's close)
Market Cap.556.43m
Shares In Issue253.62m
Prev. Close202.00
PE Ratio6.59 
Dividend Yield11.39%
EPS - basic33.30p
Dividend PS25.00p
Dividend Cover1.33 
Cash Flow PS39.55p
Return On Equity (ROE)11.40%
Operating Margin12.90%
PEG Factor0.20 
EPS Growth Rate32.14%
Dividends PS Growth Rate150.00%
Net Debt1,826.70m
Gross Gearing74.65%
Quick Assets2,624.50m
Net Working Capital2,012.30m
Intangibles / Fixed Assets61.56%
Turnover PS393.63p
Pre-Tax Profit PS50.79p
Retained Profit PS33.28p
Cash PS139.42p
Net Cash PS-101.97p
Net Tangible Asset Value PS *220.06p
Net Asset Value PS291.98p
Spread0.40 (0.18%) 

Provident Financial Balance Sheet

LSE:PFG:Liabilities+EQLSE:PFG:Assets

Share Price Performance

Sample Period HighLow
1 week229.60188.30
4 weeks229.60140.70
12 weeks294.40138.00
1 year542.20138.00

Share Price Chart (5 years)

Provident Financial Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week188.5030.9016.39188.306.68197.14
4 weeks175.0044.4025.37140.703.25183.47
12 weeks275.10-55.70-20.25138.002.33185.75
26 weeks428.30-208.90-48.77138.001.73274.93
1 year454.50-235.10-51.73138.001.34327.26
3 years3,063.00-2,843.60-92.84138.001.11629.29
5 years2,938.00-2,718.60-92.53138.000.811,037.25

Provident Financial Key Management Ratios

Provident Financial Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio8.17 
PE Ratio6.59 
Tobin's Q Ratio 0.19 
Tobin's Q Ratio (excl. intangibles)0.20 
Dividend Yield11.39%
Market-to-Book Ratio0.75 
Price-to-Pre-Tax Profit PS4.32 
Price-to-Retained Profit PS6.59 
Price-to-Cash Flow PS5.55 
Price-to-Sales PS0.56 
Price-to-Net Tangible Asset Value PS1.00 
Price-to-Cash PS1.57 
Net Working Capital PS793.44 
Price Pct to Working Capital PS0.28%
Earnings Yield15.18%
Average PE18.57 
Years in average4 
PE to PE average35.48%

Provident Financial Financial Ratios

(Leverage Ratios)
Debt Ratio67.92%
Debt-to-Equity Ratio2.12 
Debt-to-Equity Ratio (excl. Intgbl)2.81 
Debt-to-Equity Market Value2.82 
Net Gearing62.54%
Net Gearing (excl. Intangibles)66.71%
Gross Gearing74.65%
Gross Gearing (excl. Intangibles)79.62%
Gearing Under 1 Year20.96%
Gearing Under 1 Year (excl. Intgbl)22.36%
Assets/Equity3.94 
Cash/Equity47.75 
(Liquidity Ratios)
Net Working Capital to Total Assets68.90%
Current Ratio4.29 
Quick Ratio (Acid Test)4.29 
Liquidity Ratio0.58 
Cash & Equiv/Current Assets13.47%
(Solvency Ratios)
Enterprise Value1,770.93m
CFO/Sales0.10 
CFO/Attributable Profit1.19 
CFO/Assets0.03 
CFO/Debt0.05 
Total Debt/Equity Market Value3.92 
Total Debt/Sales2.18 
Total Debt/Pre-Tax Profit16.93 
Total Debt2,180.30m
Total Debt/Net Current Assets1.08%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs5 
Beta (60-Mnth)Beta (36-Mnth)
-1.73690.5704

Provident Financial Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)5.58%
Return On Assets (ROA)2.89%
Net Profit Margin8.45%
Assets Turnover0.34 
Return On Equity (ROE)11.40%
Return On Investment (ROI)3.61%
Dividend Payout Ratio75.08%
Plowback Ratio24.92%
Growth from Plowback Ratio2.93%
Net Income Of Revenues8.45%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.39 
Fixed Assets Turnover3.45 
Current Assets Turnover0.38 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.93 
Debtors-to-Sales226.47%
Debt Collection Period826.62Days

Provident Financial Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
27 Feb 2020FinalGBX16.0031/12/201831/12/201902/04/202003/04/202022/05/202025.00
30 Jul 2019InterimGBX9.0030/12/201830/06/201915/08/201916/08/201926/09/2019-
13 Mar 2019FinalGBX10.0031/12/201731/12/201823/05/201924/05/201921/06/201910.00
28 Feb 2017FinalGBX91.4031/12/201531/12/201618/05/201719/05/201723/06/2017134.60
26 Jul 2016InterimGBX43.2031/12/201531/12/201627/10/201628/10/201625/11/2016-
23 Feb 2016FinalGBX80.9031/12/201431/12/201519/05/201620/05/201624/06/2016120.10
28 Jul 2015InterimGBX39.2031/12/201431/12/201529/10/201530/10/201527/11/2015-
24 Feb 2015FinalGBX63.9031/12/201331/12/201421/05/201522/05/201519/06/201598.00
23 Jul 2014InterimGBX34.1031/12/201331/12/201429/10/201431/10/201428/11/2014-
25 Feb 2014FinalGBX54.0031/12/201231/12/201321/05/201423/05/201420/06/201485.00
23 Jul 2013InterimGBX31.0031/12/201231/12/201330/10/201301/11/201329/11/2013-
26 Feb 2013FinalGBX48.4031/12/201131/12/201222/05/201324/05/201321/06/201377.20
24 Jul 2012InterimGBX28.8031/12/201131/12/201231/10/201202/11/201230/11/2012-
28 Feb 2012FinalGBX42.3031/12/201031/12/201116/05/201218/05/201221/06/201269.00
27 Jul 2011InterimGBX26.7031/12/201031/12/201102/11/201104/11/201130/11/2011-
01 Mar 2011FinalGBX38.1031/12/200931/12/201011/05/201113/05/201121/06/201163.50
27 Jul 2010InterimGBX25.4031/12/200931/12/201003/11/201005/11/201030/11/2010-
02 Mar 2010FinalGBX38.1031/12/200831/12/200903/05/201005/05/201021/06/201063.50
28 Jul 2009InterimGBX25.4030/12/200830/06/200904/11/200906/11/200930/11/2009-
03 Mar 2009FinalGBX38.1031/12/200731/12/200813/05/200915/05/200919/06/200963.50
30 Jul 2008InterimGBX25.4030/12/200730/06/200830/10/200802/11/200828/11/2008-
07 Mar 2008FinalGBX38.1031/12/200631/12/200714/05/200816/05/200820/06/200863.50
11 Sep 2007InterimGBX14.4830/12/200630/06/200730/10/200702/11/200728/11/2007-
07 Mar 2007FinalGBX22.0231/12/200531/12/200604/04/200710/04/200725/05/200736.50
13 Sep 2006InterimGBX14.4830/12/200530/06/200620/09/200622/09/200620/10/2006-
08 Mar 2006FinalGBX21.3731/12/200431/12/200505/04/200607/04/200626/05/200635.43
13 Sep 2005InterimGBX14.0630/12/200430/06/200521/09/200523/09/200514/10/2005-
16 Mar 2005FinalGBX20.7531/12/200331/12/200413/04/200515/04/200503/06/200534.40
27 Jul 2004InterimGBX13.6530/12/200330/06/200415/09/200417/09/200415/10/2004-
26 Feb 2004FinalGBX19.9031/12/200231/12/200307/04/200413/04/200414/05/200433.00
23 Jul 2003InterimGBX13.1030/12/200230/06/200317/09/200319/09/200317/10/2003-
26 Feb 2003FinalGBX18.4431/12/200131/12/200209/04/200311/04/200309/05/200330.90
24 Jul 2002InterimGBX12.4630/12/200130/06/200218/09/200220/09/200218/10/2002-
27 Feb 2002FinalGBX17.6031/12/200031/12/200117/04/200219/04/200210/05/200229.35
23 Jul 2001InterimGBX11.7530/12/200030/06/200119/09/200121/09/200119/10/2001-
22 Feb 2001FinalGBX16.4031/12/199931/12/200011/04/200117/04/200109/05/200127.30
27 Jul 2000InterimGBX10.9030/12/199930/06/200018/09/200022/09/200020/10/2000-
24 Feb 2000FinalGBX14.9031/12/199831/12/199903/04/200007/04/200005/05/200024.80
29 Jul 1999InterimGBX9.9030/12/199830/06/199920/09/199924/09/199920/10/1999-
25 Feb 1999FinalGBX13.6031/12/199731/12/199829/03/199906/04/199907/05/199922.50
02 Apr 1998SpecialGBX35.0031/12/199731/12/199827/04/199824/04/199801/05/1998-
30 Jul 1998InterimGBX8.9030/12/199730/06/199821/09/199825/09/199821/10/1998-
19 Feb 1998FinalGBX11.7531/12/199631/12/199709/03/199813/03/199829/04/199819.50

Provident Financial Fundamentals

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
turnover1,183.20100.00%1,196.30100.00%1,124.40100.00%998.30100.00%m
pre tax profit343.9029.07%-123.00-10.28%90.708.07%128.8012.90%m
attributable profit262.9022.22%-134.40-11.23%60.305.36%84.408.45%m
retained profit82.306.96%-267.80-22.39%60.305.36%84.408.45%m
eps - basic (p)181.80 -90.70 25.20 33.30 
eps - diluted (p)179.90 -90.70 25.10 33.10 
dividends per share134.60 - 10.00 25.00 

Provident Financial Balance Sheet

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
LSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:Assets
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
ASSETS
fixed assets fixed assets30.301.07%30.901.04%24.600.84%19.300.66%m
intangibles intangibles149.305.28%150.605.08%126.204.32%182.406.24%m
fixed investments fixed investments72.402.56%148.104.99%131.704.51%94.603.24%m
current assets - other current assets - other8.000.28%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors2,342.9082.89%2,353.4079.35%2,250.8077.05%2,270.9077.75%m
cash & securities cash & securities223.707.91%282.909.54%387.9013.28%353.6012.11%m
TOTAL2,826.60100%2,965.90100%2,921.20100%2,920.80100%m
LIABILITIES
creditors - short creditors - short491.0017.37%622.9021.00%558.7019.13%612.2020.96%m
creditors - long creditors - long1,545.5054.68%1,807.9060.96%1,666.4057.05%1,568.1053.69%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL2,036.5072.05%2,430.8081.96%2,225.1076.17%2,180.3074.65%m
EQUITY
ord cap, reserves ord cap, reserves790.1027.95%535.1018.04%696.1023.83%740.5025.35%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL790.1027.95%535.1018.04%696.1023.83%740.5025.35%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Provident Financial Cash Flow Statement

31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
Operating CF11.70-56.70-39.70100.30m
Pre-Financing CF1.10-123.60-50.90124.70m
Retained CF79.3061.20101.10-30.10m

Provident Financial Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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