Market Cap
UK£63.5m
Last Updated
N/A UTC
Data Sources
Company Financials +
Executive Summary
PCF Group plc provides hire purchase and finance lease services in the United Kingdom.
Snowflake
Fundamentals
High growth potential with adequate balance sheet.
Risks
- PCF Group has significant price volatility in the past 3 months.
- PCF Group is covered by less than 3 analysts.
Share Price & News
How has PCF Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-5.6%
AIM:PCF
-4.4%
GB Consumer Finance
-1.7%
GB Market
1 Year Return
-31.1%
AIM:PCF
-37.8%
GB Consumer Finance
-5.7%
GB Market
PCF outperformed the Consumer Finance industry which returned -37.6% over the past year.
PCF underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -5.8% over the past year.
Share holder returns
| PCF | Industry | Market | |
|---|---|---|---|
| 7 Day | -5.6% | -4.4% | -1.7% |
| 30 Day | -13.0% | -10.2% | -4.6% |
| 90 Day | -22.7% | -22.4% | -3.2% |
| 1 Year | -30.5%-31.1% | -34.8%-37.8% | -1.3%-5.7% |
| 3 Year | -9.6%-11.3% | -64.4%-74.6% | 17.8%4.0% |
| 5 Year | 112.1%108.2% | -58.1%-71.9% | 26.9%0.2% |
Price Volatility Vs. Market
How volatile is PCF Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
What Does PCF Group plc's (LON:PCF) P/E Ratio Tell You?1 month ago | Simply Wall St
Shareholders Are Thrilled That The PCF Group (LON:PCF) Share Price Increased 145%2 months ago | Simply Wall St
PCF Group plc (LON:PCF) Has Attractive FundamentalsValuation
Is PCF Group undervalued based on future cash flows and its price relative to the stock market?
10.68x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
PCF Group's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
PCF Group's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
PCF Group is overvalued based on earnings compared to the GB Consumer Finance industry average.
PCF Group is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price Based on Expected Growth
PCF Group is good value based on expected growth next year.
Price Based on Value of Assets
PCF Group is good value based on assets compared to the GB Consumer Finance industry average.
Next Steps
Future Growth
How is PCF Group expected to perform in the next 1 to 3 years based on estimates from 2 analysts?
36.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
PCF Group's revenue is expected to grow significantly at over 20% yearly.
PCF Group's earnings are expected to grow significantly at over 20% yearly.
PCF Group's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
PCF Group's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
PCF Group's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Earnings per Share Growth Estimates
Future Return on Equity
PCF Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
Next Steps
Past Performance
How has PCF Group performed over the past 5 years?
27.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
PCF Group has delivered over 20% year on year earnings growth in the past 5 years.
PCF Group's 1-year earnings growth exceeds its 5-year average (67.3% vs 27.7%)
PCF Group's earnings growth has exceeded the GB Consumer Finance industry average in the past year (67.3% vs 9.2%).
Return on Equity
PCF Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
PCF Group used its assets less efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if PCF Group improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is PCF Group's financial position?
Financial Position Analysis
PCF Group is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
PCF Group's cash and other short term assets cover its long term commitments.
Debt to Equity History and Analysis
PCF Group's level of debt (93.6%) compared to net worth is high (greater than 40%).
The level of debt compared to net worth has been reduced over the past 5 years (781.6% vs 93.6% today).
Debt is well covered by operating cash flow (30.9%, greater than 20% of total debt).
Unable to confirm if the interest payments on PCF Group's debt are well covered by earnings due to lack of past financial data.
Balance Sheet
Low level of unsold assets.
Debt is covered by short term assets, assets are 5.9x debt.
Next Steps
Dividend
What is PCF Group's current dividend yield, its reliability and sustainability?
1.96%
Expected Dividend Yield
Dividend Yield and Payments Analysis
PCF Group's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.09%).
PCF Group's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.76%).
Whilst dividend payments have been stable, PCF Group has been paying a dividend for less than 10 years.
Dividend payments have increased, but PCF Group only paid a dividend in the past 3 years.
Current Payout to Shareholders
Dividends paid are thoroughly covered by earnings (8x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be thoroughly covered by earnings (7.4x coverage).
Next Steps
Management
What is the CEO of PCF Group's salary, the management and board of directors tenure and is there insider trading?
3.7yrs
Average board tenure
CEO
Scott Maybury
10.8yrs
Tenure
UK£439,000
Compensation
Mr. Scott D. Maybury serves as Chief Executive Officer and Director at PCF Bank Limited. Mr. Maybury has been the Chief Executive Officer at PCF Group plc since November 2008 and serves as its Director sin ...
CEO Compensation Analysis
Scott's remuneration is higher than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Scott's compensation has been consistent with company performance over the past year, both up more than 20%.
Board Age and Tenure
3.7yrs
Average Tenure
56yo
Average Age
The tenure for the PCF Group board of directors is about average.
Insider Trading
Information is not available.
Recent Insider Transactions
| Entity | Individual |
| Role | CEO & Director Member of the Board of Directors |
| Shares | 68,166 |
| Max Price | UK£0.30 |
| Entity | Individual |
| Role | CEO & Director Member of the Board of Directors |
| Shares | 68,166 |
| Max Price | UK£0.29 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 33,333 |
| Max Price | UK£0.32 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 40,000 |
| Max Price | UK£0.36 |
Ownership Breakdown
Management Team
Andrew Currie
Head of Business & Broker Development
Dan Kench
Head of Credit Control
Gerald Grimes (55yo)
Head of Commercial Development
Robert Hobbs
Head of Finance
Peter Larcombe
Head of New Business
Andrew Barber
Head of IT
Jason McCabe
Head of Risk & Compliance
Robert Murray
MD, Company Secretary & Director
- Compensation: £297.00k
David Bull (48yo)
Finance Director & Executive Director
- Tenure: 4.0yrs
- Compensation: £332.00k
Scott Maybury
CEO & Director
- Tenure: 10.8yrs
- Compensation: £439.00k
Board Members
Mark Brown (56yo)
Non-Executive Director
- Tenure: 3.7yrs
- Compensation: £37.00k
Tim Franklin (57yo)
Non-Executive Chairman
- Tenure: 2.7yrs
- Compensation: £90.00k
David Morgan (62yo)
Non-Executive Director
- Tenure: 7.1yrs
- Compensation: £37.00k
Marian Martin (52yo)
Non-Executive Director
- Tenure: 0.1yrs
Robert Murray
MD, Company Secretary & Director
- Tenure: 25.8yrs
- Compensation: £297.00k
David Bull (48yo)
Finance Director & Executive Director
- Tenure: 4.0yrs
- Compensation: £332.00k
Christine Higgins (60yo)
Independent Non-Executive Director
- Tenure: 2.2yrs
- Compensation: £52.00k
David Titmuss (56yo)
Independent Non-Executive Director
- Tenure: 2.1yrs
- Compensation: £47.00k
Scott Maybury
CEO & Director
- Tenure: 25.6yrs
- Compensation: £439.00k
Company Information
PCF Group plc's company bio, employee growth, exchange listings and data sources
Key Information
- Name: PCF Group plc
- Ticker: PCF
- Exchange: AIM
- Founded: 1993
- Industry: consumer finance
- Sector: diversified financials
- Market Cap: UK£63.484m
- Shares outstanding: 248.96m
- Website: Click here
Number of Employees
Location
- PCF Group plc
- Pinners Hall
- 105-108 Old Broad Street
- London
- Greater London
- EC2N 1ER
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PCF | AIM (London Stock Exchange AIM Market) | Yes | Ordinary Shares | GB | GBP | Sep 1998 |
Biography
PCF Group plc provides hire purchase and finance lease services in the United Kingdom. It operates through two divisions, Consumer Finance and Business Finance. The Consumer Finance Division provides finan ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | N/A |
| End of Day Share Price | 2019/08/16 00:00 |
| Earnings | 2019/03/31 |
| Annual Earnings | 2018/09/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.