Provident Financial Plc

Provident Financial (PFG)

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
 430.20 uk.advfn.com/p.php?gfx=/gb/dot 0.0 [0.00] 431.10 432.00 426.80 445.90 426.80 601,739
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 1,089.63 253.28 -2.72 25.20 10.00 17.07 2.32 665.20 - 348.70

Provident Financial Key Figures

(at previous day's close)
Market Cap.1,089.63m
Shares In Issue253.28m
Prev. Close430.20
PE Ratio17.07 
Dividend Yield2.32%
EPS - basic25.20p
Dividend PS10.00p
Dividend Cover2.52 
Cash Flow PS-15.67p
Return On Equity (ROE)8.66%
Operating Margin8.07%
PEG Factor0.13 
EPS Growth Rate127.78%
Dividends PS Growth Rate-%
Net Debt1,837.20m
Gross Gearing76.17%
Quick Assets2,638.70m
Net Working Capital2,080.00m
Intangibles / Fixed Assets44.67%
Turnover PS443.93p
Pre-Tax Profit PS35.81p
Retained Profit PS23.81p
Cash PS153.15p
Net Cash PS-67.43p
Net Tangible Asset Value PS *225.00p
Net Asset Value PS274.83p
Spread0.90 (0.21%) 

Provident Financial Balance Sheet

LSE:PFG:Liabilities+EQLSE:PFG:Assets

Share Price Performance

Sample Period HighLow
1 week445.90386.50
4 weeks445.90370.30
12 weeks456.00348.70
1 year665.20348.70

Share Price Chart (5 years)

Provident Financial Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week386.6043.6011.28386.501.12425.74
4 weeks437.30-7.10-1.62370.301.05409.08
12 weeks420.709.502.26348.700.91403.32
26 weeks509.80-79.60-15.61348.700.93417.29
1 year559.80-129.60-23.15348.700.86477.96
3 years2,993.00-2,562.80-85.63348.700.87924.24
5 years2,081.00-1,650.80-79.33348.700.651,323.12

Provident Financial Key Management Ratios

Provident Financial Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio17.07 
Tobin's Q Ratio 0.37 
Tobin's Q Ratio (excl. intangibles)0.39 
Dividend Yield2.32%
Market-to-Book Ratio1.57 
Price-to-Pre-Tax Profit PS12.01 
Price-to-Retained Profit PS18.07 
Price-to-Cash Flow PS-27.45 
Price-to-Sales PS0.97 
Price-to-Net Tangible Asset Value PS1.91 
Price-to-Cash PS2.81 
Net Working Capital PS821.21 
Price Pct to Working Capital PS0.52%
Earnings Yield5.86%
Average PE20.01 
Years in average4 
PE to PE average85.33%

Provident Financial Financial Ratios

(Leverage Ratios)
Debt Ratio70.54%
Debt-to-Equity Ratio2.39 
Debt-to-Equity Ratio (excl. Intgbl)2.92 
Debt-to-Equity Market Value1.53 
Net Gearing62.89%
Net Gearing (excl. Intangibles)65.73%
Gross Gearing76.17%
Gross Gearing (excl. Intangibles)79.61%
Gearing Under 1 Year19.13%
Gearing Under 1 Year (excl. Intgbl)19.99%
Assets/Equity4.20 
Cash/Equity55.72 
(Liquidity Ratios)
Net Working Capital to Total Assets71.20%
Current Ratio4.72 
Quick Ratio (Acid Test)4.72 
Liquidity Ratio0.69 
Cash & Equiv/Current Assets14.70%
(Solvency Ratios)
Enterprise Value2,368.13m
CFO/Sales-0.04 
CFO/Attributable Profit- 
CFO/Assets-0.01 
CFO/Debt-0.02 
Total Debt/Equity Market Value2.04 
Total Debt/Sales1.98 
Total Debt/Pre-Tax Profit24.53 
Total Debt2,225.10m
Total Debt/Net Current Assets1.07%
(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)
-2.7165-1.6042

Provident Financial Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)3.84%
Return On Assets (ROA)2.05%
Net Profit Margin5.36%
Assets Turnover0.38 
Return On Equity (ROE)8.66%
Return On Investment (ROI)2.56%
Dividend Payout Ratio39.68%
Plowback Ratio60.32%
Growth from Plowback Ratio5.91%
Net Income Of Revenues5.36%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.83 
Fixed Assets Turnover3.67 
Current Assets Turnover0.43 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.62 
Debtors-to-Sales204.74%
Debt Collection Period747.30Days

Provident Financial Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
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 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
turnover1,113.10100.00%1,183.20100.00%1,196.30100.00%1,124.40100.00%m
pre tax profit273.6024.58%343.9029.07%-123.00-10.28%90.708.07%m
attributable profit218.2019.60%262.9022.22%-134.40-11.23%60.305.36%m
retained profit69.306.23%82.306.96%-267.80-22.39%60.305.36%m
eps - basic (p)151.80 181.80 -90.70 25.20 
eps - diluted (p)149.80 179.90 -90.70 25.10 
dividends per share120.10 134.60 - 10.00 

Provident Financial Balance Sheet

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
LSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:AssetsLSE:PFG:Liabilities+EQLSE:PFG:Assets
 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
ASSETS
fixed assets fixed assets29.501.20%30.301.07%30.901.04%24.600.84%m
intangibles intangibles156.406.34%149.305.28%150.605.08%126.204.32%m
fixed investments fixed investments62.302.52%72.402.56%148.104.99%131.704.51%m
current assets - other current assets - other17.500.71%8.000.28%--%--%m
stocks stocks--%--%--%--%m
debtors debtors2,049.1083.02%2,342.9082.89%2,353.4079.35%2,250.8077.05%m
cash & securities cash & securities153.406.22%223.707.91%282.909.54%387.9013.28%m
TOTAL2,468.20100%2,826.60100%2,965.90100%2,921.20100%m
LIABILITIES
creditors - short creditors - short402.2016.30%491.0017.37%622.9021.00%558.7019.13%m
creditors - long creditors - long1,358.3055.03%1,545.5054.68%1,807.9060.96%1,666.4057.05%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL1,760.5071.33%2,036.5072.05%2,430.8081.96%2,225.1076.17%m
EQUITY
ord cap, reserves ord cap, reserves707.7028.67%790.1027.95%535.1018.04%696.1023.83%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL707.7028.67%790.1027.95%535.1018.04%696.1023.83%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Provident Financial Cash Flow Statement

31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
Operating CF81.5011.70-56.70-39.70m
Pre-Financing CF55.901.10-123.60-50.90m
Retained CF-1.4079.3061.20101.10m

Provident Financial Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
Your Recent History
LSE
PFG
Provident ..
Register now to watch these stocks streaming on the ADVFN Monitor.

Monitor lets you view up to 110 of your favourite stocks at once and is completely free to use.

NYSE, AMEX, and ASX quotes are delayed by at least 20 minutes.
All other quotes are delayed by at least 15 minutes unless otherwise stated.

By accessing the services available at ADVFN you are agreeing to be bound by ADVFN's Terms & Conditions

P: V:gb D:20191020 11:16:49