LSE:PFG

Stock Analysis Report

Executive Summary

Provident Financial plc provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland.

Snowflake

Fundamentals

Reasonable growth potential second-rate dividend payer.


Similar Companies

Share Price & News

How has Provident Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

10.2%

PFG

4.1%

GB Consumer Finance

1.9%

GB Market


1 Year Return

-23.4%

PFG

-41.5%

GB Consumer Finance

2.4%

GB Market

Return vs Industry: PFG exceeded the UK Consumer Finance industry which returned -41.5% over the past year.

Return vs Market: PFG underperformed the UK Market which returned 2.4% over the past year.


Shareholder returns

PFGIndustryMarket
7 Day10.2%4.1%1.9%
30 Day0.1%-1.9%-1.1%
90 Day5.0%-14.4%-1.8%
1 Year-19.8%-23.4%-39.1%-41.5%7.4%2.4%
3 Year-78.6%-85.7%-62.6%-73.5%18.2%3.7%
5 Year-68.1%-80.3%-53.2%-69.0%35.7%6.1%

Price Volatility Vs. Market

How volatile is Provident Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Provident Financial undervalued compared to its fair value and its price relative to the market?

37.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Undervalued: PFG (£4.27) is trading below our estimate of fair value (£6.81)

Significantly Undervalued: PFG is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: PFG is poor value based on its PE Ratio (18.4x) compared to the Consumer Finance industry average (10.9x).

PE vs Market: PFG is poor value based on its PE Ratio (18.4x) compared to the UK market (16.5x).


Price to Earnings Growth Ratio

Low PEG Ratio: PFG is good value based on its PEG Ratio (0.7x)


Price to Book Ratio

PB vs Industry: PFG is overvalued based on its PB Ratio (1.6x) compared to the GB Consumer Finance industry average (1.4x).


Next Steps

Future Growth

How is Provident Financial forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?

27.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PFG's forecast earnings growth (27.9% per year) is above the savings rate (1.2%).

Earnings vs Market: PFG's earnings (27.9% per year) are forecast to grow faster than the UK market (12.6% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PFG's revenue (7.7% per year) is forecast to grow faster than the UK market (3.9% per year).

High Growth Revenue: PFG's revenue (7.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: PFG's Return on Equity is forecast to be low in 3 years time (19.1%).


Next Steps

Past Performance

How has Provident Financial performed over the past 5 years?

-33.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PFG's earnings have declined by -33.5% per year over the past 5 years.

Accelerating Growth: PFG has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: PFG has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (7.8%).


Return on Equity

High ROE: PFG's Return on Equity (8.7%) is considered low.


Return on Assets

ROA vs Industry: PFG's Return on Assets is below or equal to the Consumer Finance industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate PFG's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Provident Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: PFG has a low level of unsold assets or inventory.

Debt Coverage by Assets: PFG's debt is covered by short term assets (assets are 1.282110x debt).


Financial Institutions Analysis

Asset Level: PFG's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if PFG has a sufficient allowance for bad loans.

Low Risk Liabilities: PFG reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if PFG has an acceptable proportion of non-loan assets held.

Low Risk Deposits: PFG has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if PFG has an appropriate level of bad loans.


Next Steps

Dividend

What is Provident Financial's current dividend yield, its reliability and sustainability?

4.22%

Current Dividend Yield


Dividend Yield vs Market

company4.2%marketbottom25%2.0%markettop25%5.4%industryaverage5.8%forecastin3Years8.3%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: PFG's dividend (4.22%) is higher than the bottom 25% of dividend payers in the UK market (2%).

High Dividend: PFG's dividend (4.22%) is low compared to the top 25% of dividend payers in the UK market (5.42%).

Stable Dividend: PFG's dividend payments have been volatile in the past 10 years.

Growing Dividend: PFG's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: At its current payout ratio (81.8%), PFG's payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: PFG's dividends in 3 years are forecast to be covered by earnings (65.4% payout ratio).


Next Steps

Management

What is the CEO of Provident Financial's salary, the management and board of directors tenure and is there insider trading?

1.7yrs

Average management tenure


CEO

Malcolm Le May (61yo)

1.7yrs

Tenure

UK£1,387,000

Compensation

Mr. Malcolm John Le May is Co-Founder of Juno Capital LLP and serves as its Chairman and Advisor. Mr. Le May joined Juno Capital LLP in July 2015. He is a Trustee of the Grange Festival and a Partner at Op ...


CEO Compensation Analysis

Compensation vs. Market: Malcolm has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the UK market.

Compensation vs Earnings: Malcolm's compensation has been consistent with company performance over the past year.


Management Age and Tenure

1.7yrs

Average Tenure

58yo

Average Age

Experienced Management: PFG's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.


Board Age and Tenure

1.3yrs

Average Tenure

60yo

Average Age

Experienced Board: PFG's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


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Shares1,000
Max PriceUK£5.06
SellUK£10,11705 Apr 19
The Bank of Nova Scotia, Banking Investments
EntityCompany
Shares2,000
Max PriceUK£5.09
SellUK£004 Apr 19
The Bank of Nova Scotia, Banking Investments
EntityCompany
Shares3,900
Max PriceUK£5.20
BuyUK£4,69604 Apr 19
BlackRock, Inc.
EntityCompany
Shares913
Max PriceUK£5.14
SellUK£315,00604 Apr 19
BlackRock, Inc.
EntityCompany
Shares61,580
Max PriceUK£5.12
BuyUK£237,33104 Apr 19
Schroder Investment Management Limited
EntityCompany
Shares45,667
Max PriceUK£5.20
SellUK£80,55804 Apr 19
Standard Life Aberdeen plc
EntityCompany
Shares15,952
Max PriceUK£5.05
BuyUK£7,45404 Apr 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares1,447
Max PriceUK£5.15
SellUK£004 Apr 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares1,447
Max PriceUK£5.15
SellUK£30,88903 Apr 19
The Bank of Nova Scotia, Banking Investments
EntityCompany
Shares6,000
Max PriceUK£5.21
SellUK£646,82703 Apr 19
BlackRock, Inc.
EntityCompany
Shares125,656
Max PriceUK£5.15
BuyUK£721,86803 Apr 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares139,748
Max PriceUK£5.17
SellUK£895,21603 Apr 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares171,366
Max PriceUK£5.22
BuyUK£21,68302 Apr 19
Legal & General Investment Management Limited
EntityCompany
Shares4,240
Max PriceUK£5.11
SellUK£002 Apr 19
The Bank of Nova Scotia, Banking Investments
EntityCompany
Shares1,722,600
Max PriceUK£5.22
BuyUK£58,08202 Apr 19
The Bank of Nova Scotia, Banking Investments
EntityCompany
Shares11,300
Max PriceUK£5.14
SellUK£53,31401 Apr 19
State Street Global Advisors, Inc.
EntityCompany
Shares10,417
Max PriceUK£5.12
BuyUK£5,76301 Apr 19
State Street Global Advisors, Inc.
EntityCompany
Shares1,126
Max PriceUK£5.12
BuyUK£154,65001 Apr 19
BlackRock, Inc.
EntityCompany
Shares30,158
Max PriceUK£5.13
SellUK£155,30901 Apr 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares30,156
Max PriceUK£5.15
BuyUK£796,80601 Apr 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares154,121
Max PriceUK£5.17
BuyUK£121,87629 Mar 19
BlackRock, Inc.
EntityCompany
Shares23,273
Max PriceUK£5.24
BuyUK£281,87329 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares52,805
Max PriceUK£5.34
SellUK£119,56129 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares22,398
Max PriceUK£5.34
SellUK£25,03328 Mar 19
BlackRock, Inc.
EntityCompany
Shares4,789
Max PriceUK£5.23
BuyUK£59,75328 Mar 19
BlackRock, Inc.
EntityCompany
Shares11,313
Max PriceUK£5.28
SellUK£313,68327 Mar 19
State Street Global Advisors, Inc.
EntityCompany
Shares61,185
Max PriceUK£5.13
SellUK£1,089,41327 Mar 19
BlackRock, Inc.
EntityCompany
Shares211,664
Max PriceUK£5.15
BuyUK£104,67127 Mar 19
BlackRock, Inc.
EntityCompany
Shares20,395
Max PriceUK£5.13
BuyUK£1,45427 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares283
Max PriceUK£5.14
BuyUK£191,37027 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares37,283
Max PriceUK£5.13
SellUK£303,54127 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares59,118
Max PriceUK£5.13
SellUK£516,44026 Mar 19
BlackRock, Inc.
EntityCompany
Shares100,000
Max PriceUK£5.16
SellUK£36,40026 Mar 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares7,000
Max PriceUK£5.20
BuyUK£026 Mar 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares7,000
Max PriceUK£5.20
SellUK£385,68826 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares74,308
Max PriceUK£5.19
BuyUK£160,44626 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares30,855
Max PriceUK£5.20
SellUK£235,20825 Mar 19
BlackRock, Inc.
EntityCompany
Shares45,097
Max PriceUK£5.22
BuyUK£8,06725 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares1,543
Max PriceUK£5.23
SellUK£239,23025 Mar 19
Schroder Investment Management Limited
EntityCompany
Shares45,672
Max PriceUK£5.24
BuyUK£260,16125 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares49,782
Max PriceUK£5.23
SellUK£99,06825 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares18,927
Max PriceUK£5.23
SellUK£308,78722 Mar 19
BlackRock, Inc.
EntityCompany
Shares58,764
Max PriceUK£5.25
SellUK£11,11821 Mar 19
State Street Global Advisors, Inc.
EntityCompany
Shares2,101
Max PriceUK£5.29
BuyUK£156,75421 Mar 19
State Street Global Advisors, Inc.
EntityCompany
Shares29,621
Max PriceUK£5.29
SellUK£455,08621 Mar 19
BlackRock, Inc.
EntityCompany
Shares84,787
Max PriceUK£5.47
SellUK£312,03820 Mar 19
BlackRock, Inc.
EntityCompany
Shares55,897
Max PriceUK£5.70
SellUK£3,45820 Mar 19
Standard Life Aberdeen plc
EntityCompany
Shares626
Max PriceUK£5.52
SellUK£174,15019 Mar 19
BlackRock, Inc.
EntityCompany
Shares30,426
Max PriceUK£5.74
SellUK£11,70119 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares2,019
Max PriceUK£5.80
SellUK£200,91518 Mar 19
BlackRock, Inc.
EntityCompany
Shares34,415
Max PriceUK£5.84
BuyUK£433,29918 Mar 19
BlackRock, Inc.
EntityCompany
Shares74,587
Max PriceUK£5.84
SellUK£56,01618 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares9,595
Max PriceUK£5.84
SellUK£301,23918 Mar 19
State Street Global Advisors, Inc.
EntityCompany
Shares51,797
Max PriceUK£5.84
SellUK£480,99918 Mar 19
Standard Life Aberdeen plc
EntityCompany
Shares82,391
Max PriceUK£5.84
SellUK£1,473,78018 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares252,446
Max PriceUK£5.84
SellUK£40,76415 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares7,125
Max PriceUK£5.72
SellUK£687,37215 Mar 19
Janus Henderson Group plc
EntityCompany
Shares120,795
Max PriceUK£5.69
SellUK£524,04915 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares91,771
Max PriceUK£5.71
BuyUK£855,48915 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares149,548
Max PriceUK£5.72
SellUK£292,11714 Mar 19
Janus Henderson Group plc
EntityCompany
Shares50,743
Max PriceUK£5.76
BuyUK£55,22214 Mar 19
BlackRock, Inc.
EntityCompany
Shares9,957
Max PriceUK£5.55
BuyUK£100,10714 Mar 19
Schroder Investment Management Limited
EntityCompany
Shares17,800
Max PriceUK£5.62
BuyUK£225,82813 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares39,605
Max PriceUK£5.70
SellUK£50,47912 Mar 19
Standard Life Aberdeen plc
EntityCompany
Shares8,856
Max PriceUK£5.70
BuyUK£761,06412 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares133,520
Max PriceUK£5.70
SellUK£367,63712 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares64,206
Max PriceUK£5.73
SellUK£1,248,03912 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares218,985
Max PriceUK£5.70
BuyUK£43,24711 Mar 19
BlackRock, Inc.
EntityCompany
Shares7,756
Max PriceUK£5.58
SellUK£200,57111 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares35,838
Max PriceUK£5.60
SellUK£300,41108 Mar 19
BlackRock, Inc.
EntityCompany
Shares52,114
Max PriceUK£5.76
BuyUK£60,24208 Mar 19
BlackRock, Inc.
EntityCompany
Shares10,462
Max PriceUK£5.77
SellUK£243,91908 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares42,256
Max PriceUK£5.77
SellUK£152,19708 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares25,875
Max PriceUK£5.88
BuyUK£723,44708 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares123,140
Max PriceUK£5.88
SellUK£239,75608 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares41,476
Max PriceUK£5.78
SellUK£008 Mar 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares1,500
Max PriceUK£5.84
BuyUK£8,64008 Mar 19
Jefferies Financial Group Inc.,Asset Management Arm
EntityCompany
Shares1,500
Max PriceUK£5.76
BuyUK£9,91007 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares1,667
Max PriceUK£5.94
SellUK£222,65607 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares37,386
Max PriceUK£5.96
SellUK£597,29407 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares99,882
Max PriceUK£5.98
BuyUK£1,092,83607 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares182,932
Max PriceUK£5.97
SellUK£179,85006 Mar 19
Janus Henderson Group plc
EntityCompany
Shares29,640
Max PriceUK£6.07
BuyUK£1,79906 Mar 19
BlackRock, Inc.
EntityCompany
Shares300
Max PriceUK£6.00
SellUK£884,50206 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares146,798
Max PriceUK£6.03
BuyUK£1,526,81006 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares251,120
Max PriceUK£6.08
SellUK£169,54506 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares28,151
Max PriceUK£6.02
SellUK£2,90005 Mar 19
Shamus Hodgson
EntityIndividual
Shares489
Max PriceUK£5.93
SellUK£4,74405 Mar 19
Kenneth Mullen
EntityIndividual
Shares800
Max PriceUK£5.93
SellUK£2,64305 Mar 19
Legal & General Investment Management Limited
EntityCompany
Shares443
Max PriceUK£5.97
SellUK£610,27205 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares103,839
Max PriceUK£5.88
SellUK£610,43405 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares102,011
Max PriceUK£5.98
BuyUK£1,790,55205 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares300,116
Max PriceUK£5.97
BuyUK£43,62704 Mar 19
BlackRock, Inc.
EntityCompany
Shares7,235
Max PriceUK£6.07
BuyUK£1,021,93304 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares167,695
Max PriceUK£6.09
SellUK£484,48304 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares79,546
Max PriceUK£6.09
SellUK£281,64804 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares46,878
Max PriceUK£6.01
BuyUK£717,72604 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares119,020
Max PriceUK£6.03
SellUK£259,71104 Mar 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares42,970
Max PriceUK£6.04
SellUK£9,07801 Mar 19
State Street Global Advisors, Inc.
EntityCompany
Shares1,508
Max PriceUK£6.02
BuyUK£420,65901 Mar 19
BlackRock, Inc.
EntityCompany
Shares69,860
Max PriceUK£6.02
SellUK£110,87601 Mar 19
BlackRock, Inc.
EntityCompany
Shares18,418
Max PriceUK£6.02
SellUK£301,70001 Mar 19
Janus Henderson Group plc
EntityCompany
Shares50,000
Max PriceUK£6.03
SellUK£285,97401 Mar 19
Pacific Investment Management Company LLC
EntityCompany
Shares47,224
Max PriceUK£6.06
SellUK£39101 Mar 19
Standard Life Aberdeen plc
EntityCompany
Shares65
Max PriceUK£6.02
BuyUK£126,37501 Mar 19
Schroder Investment Management Limited
EntityCompany
Shares20,743
Max PriceUK£6.09
BuyUK£9,36601 Mar 19
Abu Dhabi Investment Authority
EntityCompany
Shares1,556
Max PriceUK£6.02
BuyUK£9,12328 Feb 19
BlackRock, Inc.
EntityCompany
Shares1,500
Max PriceUK£6.08
SellUK£293,90128 Feb 19
Janus Henderson Group plc
EntityCompany
Shares48,316
Max PriceUK£6.08
SellUK£1,121,15728 Feb 19
Pacific Investment Management Company LLC
EntityCompany
Shares184,754
Max PriceUK£6.07
BuyUK£11,797,95328 Feb 19
Schroder Investment Management Limited
EntityCompany
Shares1,952,301
Max PriceUK£6.06
SellUK£581,23828 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares95,410
Max PriceUK£6.09
BuyUK£944,81628 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares155,331
Max PriceUK£6.08
SellUK£9,060,00028 Feb 19
Woodford Investment Management Limited
EntityCompany
Shares1,500,000
Max PriceUK£6.06
BuyUK£20,01527 Feb 19
BlackRock, Inc.
EntityCompany
Shares3,317
Max PriceUK£6.03
SellUK£3,84227 Feb 19
Legal & General Investment Management Limited
EntityCompany
Shares613
Max PriceUK£6.27
SellUK£4,56227 Feb 19
Standard Life Aberdeen plc
EntityCompany
Shares756
Max PriceUK£6.03
SellUK£1,092,26527 Feb 19
Janus Henderson Group plc
EntityCompany
Shares177,188
Max PriceUK£6.18
BuyUK£2,006,54927 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares315,992
Max PriceUK£6.35
SellUK£870,11027 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares140,216
Max PriceUK£6.21
SellUK£250,51826 Feb 19
BlackRock, Inc.
EntityCompany
Shares43,195
Max PriceUK£5.80
SellUK£24926 Feb 19
Schroder Investment Management Limited
EntityCompany
Shares43
Max PriceUK£5.79
SellUK£1,367,74226 Feb 19
Janus Henderson Group plc
EntityCompany
Shares224,496
Max PriceUK£6.09
SellUK£858,72326 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares139,889
Max PriceUK£6.14
BuyUK£1,954,02426 Feb 19
Barclays Bank PLC, Securities Investments
EntityCompany
Shares318,074
Max PriceUK£6.14
BuyUK£3,53625 Feb 19
BlackRock, Inc.
EntityCompany
Shares600
Max PriceUK£5.89
SellUK£88,35325 Feb 19
BlackRock, Inc.
EntityCompany
Shares16,901
Max PriceUK£5.23
BuyUK£963,22825 Feb 19
Janus Henderson Group plc
EntityCompany
Shares171,538
Max PriceUK£5.90

Ownership Breakdown


Management Team

  • Malcolm Le May (61yo)

    CEO & Director

    • Tenure: 1.7yrs
    • Compensation: UK£1.39m
  • Chris Gillespie (55yo)

    Managing Director of Consumer Credit Division

    • Tenure: 0yrs
    • Compensation: UK£561.00k
  • Steve Grigg (70yo)

    Interim Group Chief Information & Technology Officer

    • Tenure: 1.7yrs
  • Simon Thomas (55yo)

    CFO & Director

    • Tenure: 0.8yrs
    • Compensation: UK£50.00k
  • Greg Cant

    Director of Corporate Finance & Development

    • Tenure: 0yrs
  • David Merrett

    Chief Strategy Officer

    • Tenure: 1.6yrs
  • Gary Thompson

    Head of Investor Relations and Group Financial Controller

    • Tenure: 0yrs
  • Susan Wilkie

    Head of Tax

    • Tenure: 0yrs
  • Ele Thornhill

    Finance Head of Consumer Credit Division

    • Tenure: 1.7yrs
  • Shaun Brown

    Interim Group Chief Auditor

    • Tenure: 0yrs

Board Members

  • Angela Knight (69yo)

    Independent Non-Executive Director

    • Tenure: 1.3yrs
    • Compensation: UK£41.00k
  • Patrick Joseph Snowball (69yo)

    Chairman

    • Tenure: 1.1yrs
    • Compensation: UK£89.00k
  • Malcolm Le May (61yo)

    CEO & Director

    • Tenure: 1.7yrs
    • Compensation: UK£1.39m
  • Paul Hewitt (63yo)

    Independent Non-Executive Director

    • Tenure: 1.3yrs
    • Compensation: UK£42.00k
  • Libby Chambers (56yo)

    Independent Non-Executive Director

    • Tenure: 1.3yrs
    • Compensation: UK£48.00k
  • Simon Thomas (55yo)

    CFO & Director

    • Tenure: 0.8yrs
    • Compensation: UK£50.00k
  • Andrea Blance (54yo)

    Senior Independent Director

    • Tenure: 1.7yrs
    • Compensation: UK£119.00k
  • Robert East (59yo)

    Independent Non-Executive Director

    • Tenure: 0.3yrs
  • Peter Minter

    Non-Executive Chairman of Moneybarn

    • Tenure: 2.8yrs
  • Graham Lindsay

    Independent Non-Executive Director

    • Tenure: 0.5yrs

Company Information

Provident Financial plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Provident Financial plc
  • Ticker: PFG
  • Exchange: LSE
  • Founded: 1880
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: UK£1.069b
  • Shares outstanding: 250.25m
  • Website: https://www.providentfinancial.com

Number of Employees


Location

  • Provident Financial plc
  • No. 1 Godwin Street
  • Bradford
  • West Yorkshire
  • BD1 2SU
  • United Kingdom

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FPLP.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 1993
PFGLSE (London Stock Exchange)YesOrdinary SharesGBGBPMay 1993
PRVADB (Deutsche Boerse AG)YesOrdinary SharesDEEURMay 1993
PFGLBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPMay 1993
FPLP.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDAug 2008

Biography

Provident Financial plc provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards; consumer credit, including u ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/16 20:58
End of Day Share Price2019/10/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.