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Provident Financial PLC Fundamentals

Company NameProvident Financial PLCLast Updated2021-04-16
IndustryCredit ServicesSectorFinancial Services
Shares in Issue253.616 mMarket Cap£619.47 m
PE Ratio17.18Dividend per Share£0.19
Dividend Yield4.54Dividend Cover1.74
EPS£0.33EPS Growth (%)0.22
PEG0DPS Growth (%)0
Debt Ratio0.1658Debt Equity Ratio0.7353
Asset Equity Ratio4.4356Cash Equity Ration/a
Quick Ratio0Current Ratio0
Price To Book Value0.8240ROCE0

Provident Financial PLC Dividends

TypeEx-DatePay DateCurrencyNet DividendYear Total
Interim2019-08-152019-09-26GBP0.0900
Prelim2019-05-232019-06-21GBP0.1000

Provident Financial PLC Company Financials

Assets20192018
Tangible Assets£86.40 m£24.60 m
Intangible Assets£115.30 m£126.20 m
Investments00
Total Fixed Assets00
Stocks00
Debtors00
Cash & Equivalents00
Other Assets00
Total Assets£2.92 bn£2.94 bn
Liabilities20192018
Creditors within 1 year00
Creditors after 1 year00
Other Liabilities00
Total Liabilities£2.18 bn£2.23 bn
Net assets£740.50 m£712.10 m
Equity20192018
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 & Minorities00
Total Capital Employed£740.50 m£712.10 m
Ratios20192018
Debt Ratio£0.48£0.47
Debt-to-Equity£0.94£0.88
Assets / Equity4.43564.4356
Cash / Equityn/an/a
EPS£0.33£0.27
Cash Flow20192018
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
Income20192018
Turnover£926.30 m£999.70 m
Cost of sales00
Gross Profit00
Operating Profit00
Pre-Tax profit£128.80 m£97.30 m

Provident Financial PLC Company Background

SectorFinancial Services
ActivitiesProvident 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 Date26 Aug 2020
Latest Fiscal Year End Date30 Apr 2021

Provident Financial PLC Directors

AppointedNamePosition
2018-12-12Mr. Robert William AndersonNon-Executive Director
2020-03-23Mr. Robert East Non-Executive Director
2018-09-21Mr. Stuart William Sinclair Non-Executive Director,Chairman (Interim)
2013-12-30Mr. John Philip de Blocq van KuffelerNon-Executive Director,Chairman
2006-10-24Mr. Graham F PimlottNon-Executive Director
2007-02-28Mr. Charles Henry Gregson Non-Executive Director,Joint Deputy Chairman
2018-12-03Mr. Andrew Charles FisherExecutive Director,Finance Director
2020-03-23Mr. Paul William HewittNon-Executive Director
2018-02-28Mr. Kenneth John MullenCompany Secretary & General Counsel
2013-02-01Mr. Robert Eric Hough DLNon-Executive Director
2007-02-28Mr. Antony John Hales CBENon-Executive Director
2011-08-09Mr. John Arthur HarnettExecutive Director,Managing Director, International
2000-08-25Mr. John Hunter MaxwellNon-Executive Director
2021-04-01Mr. Malcolm Le MayExecutive Director,Chief Executive Officer
2017-11-24Ms. Manjit WolstenholmeNon-Executive Director,Chairman
2006-10-09Mr. Raymond Reginald MilesNon-Executive Director
2018-02-02Mr. Peter Stuart CrookExecutive Director,Chief Executive Officer
2011-08-09Mr. Robin James AshtonExecutive Director,Chief Executive
2020-03-23Mr. Patrick Joseph Robert Snowball Executive Director,Chairman
2011-08-09Mr. David Richard Swann BA,MBAExecutive Director,md, International Home Credit
2013-09-13Mr. Christopher Donald Gillespie Executive Director,Managing Director, Consumer Credit Div
2020-04-01Mr. Simon George Thomas Executive Director,Chief Financial Officer
2020-11-09Mr. Neeraj KapurExecutive Director,Chief Financial Officer
2020-03-23Ms. Elizabeth G. Chambers Non-Executive Director
2019-05-21Mr. John StrawNon-Executive Director
2020-03-23Mr. Graham Lindsay Non-Executive Director

Provident Financial PLC Contact Details

Company NameProvident Financial PLC
AddressNo. 1 Godwin Street, Bradford, BD1 2SU
Telephone+44 1274351351
Websitehttp://www.providentfinancial.com

Provident Financial PLC Advisors

SolicitorHerbert Smith Freehills LLP
Phone+44 2073748000
Fax+44 2073740888
AuditorDeloitte LLP
Phone+44 1618323555
Fax+44 1618293800
SolicitorAddleshaw Goddard LLP
SolicitorEversheds Sutherland
Phone+44 2079194500
Fax+44 1132004994
BankBarclays Bank PLC
Financial PR AdviserBrunswick Group LLP
Phone+44 2074045959
Fax+44 2078312823
SolicitorAllen & Overy LLP
Phone+44 2030880000
Fax+44 207339999
RegistrarCapita Asset Services
Phone+44 8716640300
Fax+44 2086392342
StockbrokerJ.P. Morgan Cazenove Ltd
Phone+44 2077424000
Remuneration ConsultantNew Bridge Street
Phone+44 2070868000
Fax+44 2076211511
Financial AdviserJ.P. Morgan Cazenove
Phone+44 2077424000
AuditorDeloitte
Phone(0161) 832 3555
Fax(0161) 829 3800