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Provident Financial Fundamentals

Company Name Provident Financial Last Updated 02 Jul 2020
Industry Financials Sector Consumer Finance
Shares in Issue (m) 253.62 Market Cap (£m) 437.74
PE Ratio 5.18 Div per Share (p) 25.00
Div Yield 5.21 Div Cover 3.70
EPS 33.30 EPS Growth (%) 32.14
PEG 0.16 DPS Growth (%) 150.00
Debt Ratio 67.92 Debt Equity Ratio 0.72
Net Gearing 62.54 Gross Gearing 74.65
Asset Equity Ratio 3.94 Cash Equity Ratio 47.75
Quick Ratio 3.59 Current Ratio 3.59
Price To Book Value 0.59 ROCE 5.58

Provident Financial Dividends

Type Ex-Date Pay Date Currency Net Dividend Year Total
16p Cancelled 02 Apr 2020 22 May 2020 GBX 0.00 9.00
H1 Dividend 15 Aug 2019 26 Sep 2019 GBX 9.00
H2 Dividend 23 May 2019 21 Jun 2019 GBX 10.00 10.00
Dividend withdrawn 26 Oct 2017 30 Nov 2017 GBX 43.20
H2 Dividend 18 May 2017 23 Jun 2017 GBX 91.40 134.60
H1 Dividend 27 Oct 2016 25 Nov 2016 GBX 43.20
H2 Dividend 19 May 2016 24 Jun 2016 GBX 80.90 120.10
H1 Dividend 29 Oct 2015 27 Nov 2015 GBX 39.20

Provident Financial Company Financials

Assets (£m) 2019 2018 2017
Tangible Assets 19 25 31
Intangible Assets 115 126 151
Investments 588 472 431
Total Fixed Assets 723 623 612
Stocks 0 0 0
Debtors 33 50 44
Cash & Equivalents 354 388 283
Other Assets 1,811 1,861 2,027
Total Assets 2,921 2,921 2,966
Liabilities (£m) 2019 2018 2017
Creditors within 1 year 612 559 623
Creditors after 1 year 1,568 1,666 1,808
Other Liabilities 0 0 0
Total Liabilities 2,180 2,225 2,431
Net assets 741 696 535
Equity (£m) 2019 2018 2017
Called up share capital 53 53 31
Share Premium 273 273 273
Profit / Loss 129 91 -123
Other Equity 296 292 13
Preference & Minorities 0 0 0
Total Capital Employed 741 696 535
Ratios 2019 2018 2017
Debt Ratio 67.92 70.54 77.16
Debt-to-Equity 0.72 0.75 0.74
Net Gearing 62.54 62.89 72.42
Gross Gearing 74.65 76.17 81.96
Assets / Equity 3.94 4.20 5.54
Cash / Equity 47.75 55.73 52.87
EPS 33.30 25.20 -90.70
Cash Flow (£m) 2019 2018 2017
Cash from operating activities 100 -40 -57
Cashflow before financing 125 -51 -124
Increase in Cash -30 101 61
Income (£m) 2019 2018 2017
Turnover 998 1,124 1,196
Cost of sales 0 0 0
Gross Profit 0 0 0
Operating Profit 201 182 -123
Pre-Tax profit 129 91 -123
Profit / Loss for the year 53 53 31

Provident Financial Company Background

Sector Consumer Finance
Activities Provident Financial plc is the leading provider of credit products to those consumers who are not well served by mainstream lenders. The group serves 2.5 million customers and its operations consist of Vanquis Bank, the Consumer Credit Division (CCD) comprising Provident and Satsuma, and Moneybarn.
Latest Interim Date 30 Jul 2019
Latest Fiscal Year End Date 27 Feb 2020

Provident Financial Directors

Appointed Director Position
2014-01-01 Malcolm John le May Chief Executive Officer
2020-04-01 Neeraj Kapur Chief Financial Officer
2018-09-21 Patrick Joseph Robert Snowball Non-Executive Chairman
2017-03-01 Andrea Margaret Blance Non-Executive Director
2018-07-31 Elizabeth Grace Chambers Non-Executive Director
2019-06-26 Robert East Non-Executive Director
2018-07-31 Paul William Hewitt Non-Executive Director
2018-07-31 Angela Ann Knight Non-Executive Director
2019-04-01 Graham John Lindsay Non-Executive Director

Provident Financial Contact Details

Company Name Provident Financial
Company Address Colonnade, Sunbridge Road, Bradford, West Yorkshire BD1 2LQ.
Company Telephone +44 (0)1274 731 111
Company Website http://www.providentfinancial.com/

Provident Financial Advisors

Auditor Name PricewaterhouseCoopers LLP
Auditor Address Benson House, 33 Wellington Street, Leeds LS1 4JP.
Auditor Website http://www.pwc.co.uk/
Auditor Telephone +44 (0)113 289 4000
Registrar Name Link Asset Services
Registrar Address The Registry, 34 Beckenham Road, Beckenham, Kent BR3 4TU.
Registrar Website http://www.linkassetservices.com/
Registrar Telephone 0870 162 3100
Broker Name Dresdner Kleinwort Limited
Broker Address 30 Gresham Street, London EC2V 7PG.
Broker Website http://www.dresdnerkleinwort.com/
Broker Telephone +44 (0)20 7623 8000
Adviser Name Dresdner Kleinwort Limited
Adviser Address 30 Gresham Street, London EC2V 7PG.
Adviser Website http://www.dresdnerkleinwort.com/
Adviser Telephone +44 (0)20 7623 8000
Solicitor Name Addleshaw Goddard LLP
Solicitor Address PO Box 8, Sovereign Street, Leeds LS1 1HQ.
Solicitor Website http://www.addleshawgoddard.com/
Solicitor Telephone +44 (0)1132 092 000
Stockbroker Name JPMorgan Cazenove
Stockbroker Address 20 Moorgate, London EC2R 6DA.
Stockbroker Website http://www.jpmorgancazenove.com/
Stockbroker Telephone +44 (0)20 7588 2828