PROVIDENT FINANCIAL ORD GBP0.207272

Symbol: PFG

Whilst we endeavour to price investments on a real-time streaming or 15 min delayed basis, some prices may be as at close of business from the previous working day.

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Overview

Core Data
Latest Dividend Information

Ex-Dividend Date 2 Apr 2020
Pay Date 22 May 2020
Total Dividends - Year to Date0
Dividend Yield (%)0

Historical Data & Ratios

Avg Volume Over 10 Days0.5980
Market Cap (M)724.3267
Price/Earnings (PE)17.486
Earnings Per Share16.07
Revenue Per Share3.9103
Return on Equity %11.6205

1 Month Performance Chart

One Month Chart

Broker View
Data shown is based on the past 75 days of broker views.

ActionBrokers

Strong Buy6

Buy0

Neutral1

Sell0

Strong Sell0

Brokers 6 0 1 0 0
Consensus

ConsensusStrong Buy

Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

Cost and Charges Information

This calculator provides you with costs and charges information regarding our charges and, where relevant, the costs within this investment product

Account Type

  • Investment Account
  • Stocks & Shares ISA
  • SIPP

Annual charges

These are the annual costs based on an initial investment amount of over 1 year assuming a net zero growth rate

Cost Category % of Investment lump sum costs
Our annual fee

Our annual fee

Includes our platform fee at 0.35% per annum for Funds (up to £250,000) and Stocks & Shares (min £24 max £240), plus SIPP administration fee (if applicable, only charged if <£30,000 held) - see here
0.35%
Dealing charges

Dealing charges

Any one-off commission charges associated with investing. Note that government taxes and levies are not included
N/A
Product provider costs

Product provider costs

Product provider costs shown are inclusive of the fund ongoing charges figure (OCF), transaction costs and incidental costs
N/A N/A
Total (£)

Total (£)

Costs per annum displayed in monetary value
Total (%)

Total (%)

Costs per annum displayed as a percentage of investment value

Cumulative effect of charges on your investment's return

This illustration assumes that costs occur evenly throughout the year, charges are paid out of the investment evenly throughout the year, and that an annual growth rate of applies evenly throughout the year, before any charges including product charges

lump sum invested with an assumed growth rate of 1 year years
What you might get back at  with no charges applied

What you might get back at  with no charges applied

These are the illustrative values of a  investment after growth and no costs applied at the end of the defined period
Annual charges

Annual charges

These are the annual costs based on an initial investment amount of assuming a net zero growth rate
Effect of charges on return (%)

Effect of charges on return (%)

These are the overall costs in percentage terms, based on an initial investment amount of assuming a growth rate
Effect of charges on return (£)

Effect of charges on return (£)

These are the overall costs in monetary value, based on an initial investment amount of assuming a growth rate
What you might get back at with charges applied

What you might get back at with charges applied

These are the illustrative values of a investment after growth and costs at the end of the defined period

This illustration is not a forecast of future investment performance but merely a means to demonstrate the potential impact of costs and charges for an assumed return of . Whilst we make reasonable endeavours to ensure the accuracy of third party charges information, this is intended for illustrative purposes only and should not be relied upon. We do not warrant or represent that this information is accurate, complete or up to date, therefore we accept no responsibility or liability for its use

Charts

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      Company

      Business 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.

      Financial Summary

      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.

      Financials


      Income Statement - All values are in GBP (M).

      Year Ending

      31/12/2019

      31/12/2018

      31/12/2017

      31/12/2016

      31/12/2015

      31/12/2014

      Total Revenue 998.30 1,124.40 1,196.30 1,183.20 1,113.10 1,075.70
      Gross profit 1,101.50 1,032.70 1,119.30 NIL NIL NIL
      Operating Profit/Loss 200.80 90.70 -123.00 343.90 273.60 224.60
      Profit Before Tax 128.80 90.70 -123.00 343.90 273.60 224.60
      Profit After Tax 84.40 60.30 -134.40 262.90 218.20 175.60
      Equity Holders of Parent Company 84.40 60.30 -134.40 262.90 218.20 175.60
      Minority Interest NIL NIL NIL NIL NIL NIL


      Balance Sheet - All values are in GBP (M).

      Year Ending

      31/12/2019

      31/12/2018

      31/12/2017

      31/12/2016

      31/12/2015

      31/12/2014

      Total Non-Current Assets 723.00 622.60 612.00 559.60 466.20 394.50
      Total Current Assets 2,197.80 2,298.60 2,353.90 2,267.00 2,002.00 1,864.20
      Total Assets 2,920.80 2,921.20 2,965.90 2,826.60 2,468.20 2,258.70
      Total Liabilities 2,180.30 NIL NIL 2,036.50 1,760.50 1,645.70
      Total Net Assets 740.50 NIL NIL 790.10 707.70 613.00
      Shareholders Funds 740.50 696.10 535.10 790.10 707.70 613.00
      Minority Interests NIL NIL NIL NIL NIL NIL
      Total Equity 740.50 NIL NIL 790.10 707.70 613.00

      Outlook

      Broker View
      Data shown is based on the past 75 days of broker views.

      ActionBrokers

      Strong Buy6

      Buy0

      Neutral1

      Sell0

      Strong Sell0

      Brokers 6 0 1 0 0
      Consensus

      ConsensusStrong Buy

      Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

      Forecasts

      Year 2020 2021 2022
      Revenue £818.41mn £790.62mn £868.55mn
      Pre-tax-Profit -£55.73mn £46.09mn £115.42mn
      EPS -£0.20p £0.13p £0.35p
      EPS Growth 0.00% 0.00% 160.38%
      P/E -15.51 23.2 8.91
      PEG Ratio 0.00 0.00 0.06
      Dividend 0.00p 3.90p 15.80p
      Yield 0.00% 1.24% 5.04%
      Sorry, broker view information on this investment is not available at this time.

      Time & Sales

      All prices are in GBX and times are in GMT. Last 20 trades shown.

      Date Time Price Volume Type
      15 Jan 2021 14:59 272 2 Sell
      15 Jan 2021 14:59 272 279 Sell
      15 Jan 2021 14:59 272.4 276 Buy
      15 Jan 2021 14:59 272.4 158 Buy
      15 Jan 2021 14:59 272.4 175 Buy
      15 Jan 2021 14:59 272.4 238 Buy
      15 Jan 2021 14:59 272.6 400 Buy
      15 Jan 2021 14:59 272.8 164 Buy
      15 Jan 2021 14:59 272.8 98 Buy
      15 Jan 2021 14:59 272.8 238 Buy
      15 Jan 2021 14:59 272.2182 2,760 Buy
      15 Jan 2021 14:57 272.2 2 Sell
      15 Jan 2021 14:56 272.4 2 Sell
      15 Jan 2021 14:56 272.4 398 Sell
      15 Jan 2021 14:56 272.4 13 Sell
      15 Jan 2021 14:56 272.4 2 Sell
      15 Jan 2021 14:55 272.4 100 Sell
      15 Jan 2021 14:55 272.2 400 Sell
      15 Jan 2021 14:55 272.2 64 Sell
      15 Jan 2021 14:55 272.4 449 Sell

      Selected data supplied by Thomson Reuters ©  View restrictions.

      Investment involves risk. You may get back less than invested.