244.26p+1.26 (+0.52%)16 Apr 2021, 09:09
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Provident Financial PLC Fundamentals
Company Name | Provident Financial PLC | Last Updated | 2021-04-16 |
---|---|---|---|
Industry | Credit Services | Sector | Financial Services |
Shares in Issue | 253.616 m | Market Cap | £619.47 m |
PE Ratio | 17.18 | Dividend per Share | £0.19 |
Dividend Yield | 4.54 | Dividend Cover | 1.74 |
EPS | £0.33 | EPS Growth (%) | 0.22 |
PEG | 0 | DPS Growth (%) | 0 |
Debt Ratio | 0.1658 | Debt Equity Ratio | 0.7353 |
Asset Equity Ratio | 4.4356 | Cash Equity Ratio | n/a |
Quick Ratio | 0 | Current Ratio | 0 |
Price To Book Value | 0.8240 | ROCE | 0 |
Provident Financial PLC Dividends
Type | Ex-Date | Pay Date | Currency | Net Dividend | Year Total |
---|---|---|---|---|---|
Interim | 2019-08-15 | 2019-09-26 | GBP | 0.0900 | |
Prelim | 2019-05-23 | 2019-06-21 | GBP | 0.1000 |
Provident Financial PLC Company Financials
Assets | 2019 | 2018 |
---|---|---|
Tangible Assets | £86.40 m | £24.60 m |
Intangible Assets | £115.30 m | £126.20 m |
Investments | 0 | 0 |
Total Fixed Assets | 0 | 0 |
Stocks | 0 | 0 |
Debtors | 0 | 0 |
Cash & Equivalents | 0 | 0 |
Other Assets | 0 | 0 |
Total Assets | £2.92 bn | £2.94 bn |
Liabilities | 2019 | 2018 |
---|---|---|
Creditors within 1 year | 0 | 0 |
Creditors after 1 year | 0 | 0 |
Other Liabilities | 0 | 0 |
Total Liabilities | £2.18 bn | £2.23 bn |
Net assets | £740.50 m | £712.10 m |
Equity | 2019 | 2018 |
---|---|---|
Called up share capital | £52.50 m | £52.50 m |
Share Premium | £273.20 m | £273.20 m |
Profit / Loss | £128.80 m | £97.30 m |
Other Equity | £740.50 m | £712.10 m |
Preference & Minorities | 0 | 0 |
Total Capital Employed | £740.50 m | £712.10 m |
Ratios | 2019 | 2018 |
---|---|---|
Debt Ratio | £0.48 | £0.47 |
Debt-to-Equity | £0.94 | £0.88 |
Assets / Equity | 4.4356 | 4.4356 |
Cash / Equity | n/a | n/a |
EPS | £0.33 | £0.27 |
Cash Flow | 2019 | 2018 |
---|---|---|
Cash from operating activities | £100.30 m | -£39.70 m |
Cashflow before financing | -£54.50 m | £112.30 m |
Increase in Cash | -£30.10 m | £101.10 m |
Income | 2019 | 2018 |
---|---|---|
Turnover | £926.30 m | £999.70 m |
Cost of sales | 0 | 0 |
Gross Profit | 0 | 0 |
Operating Profit | 0 | 0 |
Pre-Tax profit | £128.80 m | £97.30 m |
Provident Financial PLC Company Background
Sector | Financial Services |
---|---|
Activities | Provident Financial PLC owns Vanquis Bank and specializes in consumer credit with its Provident and Satsuma Loans brands. It operates in the United Kingdom. Provident also owns Moneybarn, which specializes in car finance for consumers in the nonstandard credit market. The bank's approach to nonstandard lending includes attempting to secure longer-term lower-rate funding and assessing the creditworthiness of its individual customers. Provident also emphasizes growing higher-return businesses in nonstandard markets, while at the same time maintaining a disciplined capital structure. Its largest business by customer base is its credit card business supplied by Vanquis Bank. The bank gives its customers a low credit limit and increases it based on how a customer has handled their account. |
Latest Interim Date | 26 Aug 2020 |
Latest Fiscal Year End Date | 30 Apr 2021 |
Provident Financial PLC Directors
Appointed | Name | Position |
---|---|---|
2018-12-12 | Mr. Robert William Anderson | Non-Executive Director |
2020-03-23 | Mr. Robert East | Non-Executive Director |
2018-09-21 | Mr. Stuart William Sinclair | Non-Executive Director,Chairman (Interim) |
2013-12-30 | Mr. John Philip de Blocq van Kuffeler | Non-Executive Director,Chairman |
2006-10-24 | Mr. Graham F Pimlott | Non-Executive Director |
2007-02-28 | Mr. Charles Henry Gregson | Non-Executive Director,Joint Deputy Chairman |
2018-12-03 | Mr. Andrew Charles Fisher | Executive Director,Finance Director |
2020-03-23 | Mr. Paul William Hewitt | Non-Executive Director |
2018-02-28 | Mr. Kenneth John Mullen | Company Secretary & General Counsel |
2013-02-01 | Mr. Robert Eric Hough DL | Non-Executive Director |
2007-02-28 | Mr. Antony John Hales CBE | Non-Executive Director |
2011-08-09 | Mr. John Arthur Harnett | Executive Director,Managing Director, International |
2000-08-25 | Mr. John Hunter Maxwell | Non-Executive Director |
2021-04-01 | Mr. Malcolm Le May | Executive Director,Chief Executive Officer |
2017-11-24 | Ms. Manjit Wolstenholme | Non-Executive Director,Chairman |
2006-10-09 | Mr. Raymond Reginald Miles | Non-Executive Director |
2018-02-02 | Mr. Peter Stuart Crook | Executive Director,Chief Executive Officer |
2011-08-09 | Mr. Robin James Ashton | Executive Director,Chief Executive |
2020-03-23 | Mr. Patrick Joseph Robert Snowball | Executive Director,Chairman |
2011-08-09 | Mr. David Richard Swann BA,MBA | Executive Director,md, International Home Credit |
2013-09-13 | Mr. Christopher Donald Gillespie | Executive Director,Managing Director, Consumer Credit Div |
2020-04-01 | Mr. Simon George Thomas | Executive Director,Chief Financial Officer |
2020-11-09 | Mr. Neeraj Kapur | Executive Director,Chief Financial Officer |
2020-03-23 | Ms. Elizabeth G. Chambers | Non-Executive Director |
2019-05-21 | Mr. John Straw | Non-Executive Director |
2020-03-23 | Mr. Graham Lindsay | Non-Executive Director |
Provident Financial PLC Contact Details
Company Name | Provident Financial PLC |
---|---|
Address | No. 1 Godwin Street, Bradford, BD1 2SU |
Telephone | +44 1274351351 |
Website | http://www.providentfinancial.com |
Provident Financial PLC Advisors
Solicitor | Herbert Smith Freehills LLP |
---|---|
Phone | +44 2073748000 |
Fax | +44 2073740888 |
Auditor | Deloitte LLP |
---|---|
Phone | +44 1618323555 |
Fax | +44 1618293800 |
Solicitor | Addleshaw Goddard LLP |
---|
Solicitor | Eversheds Sutherland |
---|---|
Phone | +44 2079194500 |
Fax | +44 1132004994 |
Bank | Barclays Bank PLC |
---|
Financial PR Adviser | Brunswick Group LLP |
---|---|
Phone | +44 2074045959 |
Fax | +44 2078312823 |
Solicitor | Allen & Overy LLP |
---|---|
Phone | +44 2030880000 |
Fax | +44 207339999 |
Registrar | Capita Asset Services |
---|---|
Phone | +44 8716640300 |
Fax | +44 2086392342 |
Stockbroker | J.P. Morgan Cazenove Ltd |
---|---|
Phone | +44 2077424000 |
Remuneration Consultant | New Bridge Street |
---|---|
Phone | +44 2070868000 |
Fax | +44 2076211511 |
Financial Adviser | J.P. Morgan Cazenove |
---|---|
Phone | +44 2077424000 |
Auditor | Deloitte |
---|---|
Phone | (0161) 832 3555 |
Fax | (0161) 829 3800 |
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