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Provident Financial

Current Price 351.20p Bid 348.20p Ask 352.00p Change 0.29%
Last Updated: 27/09/2021 06:36. Prices delayed by at least 15 minutes.
Call 0113 243 6941 or search for your local office

Company Overview

Provident Financial's core business is lending small sums of credit to poorer sections of the UK population. The demerger of its international home credit business was completed in July 2007. It now trades independently as International Personal Finance. In addition, the firm has sold its motor insurance business, Provident Insurance, to a subsidiary of GMAC Insurance Holdings.

Financial Highlights Year Ended 31/12/2020

Revenue
£807.80m
Operating Profit/Loss
£-43.90m
Dividend yield (%)
n/a
Total dividend for year
n/ap
Dividend cover
n/a
P/E Ratio
n/a

Key Personnel

Mr Patrick J R Snowball
Chairman
Ms Charlotte Davies
Company Secretary
Mr Malcolm Le May
Group Chief Executive
Mr Elizabeth G Chambers
Independent Non-Executive Director
Mr Graham Lindsay
Independent Non-Executive Director
Mr Paul Hewitt
Independent Non-Executive Director
Mr Robert East
Independent Non-Executive Director
Ms Angela Ann Knight
Independent Non-Executive Director
Ms Margot James
Independent Non-Executive Director
Mr Neeraj Kapur
Non-Executive Director
Mrs Andrea Blance
Senior Independent Director

Stock Details

EPIC
PFGL
ISIN
GB00B1Z4ST84
Shares in Issue
147.19m
Market cap
£516.95m

Analyst Views (3)

Strong Buy
 
0%
Buy
 
66.67%
Hold
 
0%
Sell
 
33.33%
Strong Sell
 
0%
This information is provided by Web Financial Group (UK) Limited. It is subject to change without notice and doesn't reflect the views held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
351.20p
Bid Price
348.20p
Ask Price
352.00p
Volume
39,083
Change Today
1.00p
% Change Today
0.29%
Open
345.60p
Previous Close
351.20p
Intraday High
353.00p
Intraday Low
345.60p
52 Week High
362.20p
52 Week Low
189.90p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

Income Statement

Year End Date
31 Dec 2020
31 Dec 2019
 
£ (M)
£ (M)
Continuing Operations
Revenue
807.80
996.10
Operating Profit/Loss
-43.90
191.00
Net Interest
-69.60
-72.00
Pre-Tax Profit
-113.50
119.00
Profit After Tax from continuing operations
-83.40
76.40
Discontinued Operations
Profit After Tax
n/a
n/a
Profit/Loss for the Year
-83.40
76.40
Attributable to:
Equity Holders of Parent Company
-83.40
76.40
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
n/ap
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2020
31 Dec 2019
Basic
-32.90p
30.10p
Diluted
-32.90p
29.90p
Adjusted
-11.00p
44.10p
Dividend per Share
n/ap
n/ap

Assets

Year End Date
31 Dec 2020
31 Dec 2019
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
73.50
86.40
Intangible Assets
116.50
115.30
Investment Properties
n/a
n/a
Investments
n/a
n/a
Other Financial Assets
n/a
n/a
Other Non-Current Assets
123.70
103.00
Current Assets
Inventories
n/a
n/a
Trade & Other Receivables
1,835.50
2,232.90
Cash at Bank & In Hand
919.70
353.60
Current Asset Investments
9.20
16.60
Other Current Assets
n/a
n/a
Other Assets
n/a
n/a
Total Assets
3,078.10
2,907.80

Liabilities

Year End Date
31 Dec 2020
31 Dec 2019
 
£ (M)
£ (M)
Current Liabilities
Borrowings
n/a
n/a
Other Current Liabilities
0.60
32.90
Total Current Liabilities
0.60
32.90
Non-Current Liabilities
Borrowings
589.40
696.60
Provisions
91.00
14.50
Other Non-Current Liabilities
1,749.40
1,434.50
Total Non-Current Liabilities
2,429.80
2,145.60
Other Liabilities
n/a
n/a
Total Liabilities
2,430.40
2,178.50

Net Assets

Year End Date
31 Dec 2020
31 Dec 2019
 
£ (M)
£ (M)
Net Assets
647.70
729.30

Capital & Reserves

Year End Date
31 Dec 2020
31 Dec 2019
 
£ (M)
£ (M)
Share Capital
52.60
52.50
Share Premium Account
273.20
273.20
Other Reserves
292.80
295.90
Retained Earnings
29.10
107.70
Shareholders Funds
647.70
729.30
Minority Interests/Other Equity
n/a
n/a
Total Equity
647.70
729.30

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
Interim
15 Aug 2019
26 Sep 2019
9.00p
Final
23 May 2019
21 Jun 2019
10.00p
Final
18 May 2017
23 Jun 2017
91.40p
Interim
27 Oct 2016
25 Nov 2016
43.20p
Final
19 May 2016
24 Jun 2016
80.90p
Interim
29 Oct 2015
27 Nov 2015
39.20p

Dividend Metrics

Year End Date
31 Dec 2020
31 Dec 2019
Dividend growth
n/a%
-10.00%
Dividend yield
n/a%
2.00%
Dividend cover
n/a
4.90


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