Switch to:
Also traded in: Germany, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.13
FPLPY's Cash-to-Debt is ranked lower than
76% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. FPLPY: 0.13 )
Ranked among companies with meaningful Cash-to-Debt only.
FPLPY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.41 Max: 2.07
Current: 0.13
0.02
2.07
Equity-to-Asset 0.28
FPLPY's Equity-to-Asset is ranked lower than
67% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. FPLPY: 0.28 )
Ranked among companies with meaningful Equity-to-Asset only.
FPLPY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.24 Max: 0.32
Current: 0.28
0.16
0.32
Interest Coverage 22.64
FPLPY's Interest Coverage is ranked lower than
56% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. FPLPY: 22.64 )
Ranked among companies with meaningful Interest Coverage only.
FPLPY' s Interest Coverage Range Over the Past 10 Years
Min: 1.97  Med: 3.05 Max: 22.64
Current: 22.64
1.97
22.64
Piotroski F-Score: 3
Altman Z-Score: 3.19
Beneish M-Score: -2.04
WACC vs ROIC
2.80%
14.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 35.97
FPLPY's Operating Margin % is ranked higher than
63% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. FPLPY: 35.97 )
Ranked among companies with meaningful Operating Margin % only.
FPLPY' s Operating Margin % Range Over the Past 10 Years
Min: 15.41  Med: 19.05 Max: 35.97
Current: 35.97
15.41
35.97
Net Margin % 22.22
FPLPY's Net Margin % is ranked higher than
67% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. FPLPY: 22.22 )
Ranked among companies with meaningful Net Margin % only.
FPLPY' s Net Margin % Range Over the Past 10 Years
Min: 10.86  Med: 14.03 Max: 22.22
Current: 22.22
10.86
22.22
ROE % 35.33
FPLPY's ROE % is ranked higher than
93% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. FPLPY: 35.33 )
Ranked among companies with meaningful ROE % only.
FPLPY' s ROE % Range Over the Past 10 Years
Min: 32.1  Med: 35.12 Max: 42.59
Current: 35.33
32.1
42.59
ROA % 10.04
FPLPY's ROA % is ranked higher than
88% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. FPLPY: 10.04 )
Ranked among companies with meaningful ROA % only.
FPLPY' s ROA % Range Over the Past 10 Years
Min: 7.08  Med: 8.51 Max: 10.04
Current: 10.04
7.08
10.04
ROC (Joel Greenblatt) % 20.53
FPLPY's ROC (Joel Greenblatt) % is ranked higher than
62% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 14.02 vs. FPLPY: 20.53 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
FPLPY' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 17.62  Med: 19.85 Max: 20.97
Current: 20.53
17.62
20.97
3-Year Revenue Growth Rate 1.20
FPLPY's 3-Year Revenue Growth Rate is ranked lower than
56% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. FPLPY: 1.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FPLPY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.5  Med: 6.2 Max: 24.9
Current: 1.2
-30.5
24.9
3-Year EBITDA Growth Rate 11.30
FPLPY's 3-Year EBITDA Growth Rate is ranked higher than
65% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. FPLPY: 11.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FPLPY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -29.3  Med: 10.4 Max: 28
Current: 11.3
-29.3
28
3-Year EPS without NRI Growth Rate 20.70
FPLPY's 3-Year EPS without NRI Growth Rate is ranked higher than
77% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. FPLPY: 20.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FPLPY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 10.1 Max: 33
Current: 20.7
0
33
GuruFocus has detected 5 Warning Signs with Provident Financial PLC $FPLPY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FPLPY's 10-Y Financials

Financials (Next Earnings Date: 2017-07-26)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with FPLPY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services  
Compare:OTCPK:EDNMY, NAS:SLM, NAS:NAVI, NAS:CACC, OTCPK:ELEEF, NYSE:OMF, NYSE:FCFS, NAS:HAWK, NYSE:WU, NYSE:LC, NYSE:TSS, NYSE:NNI, NYSE:GDOT, NAS:PRAA, NYSE:YRD, OTCPK:ECNCF, NAS:QIWI, NAS:MGI, OTCPK:AUTCF, NYSE:TCAP » details
Traded in other countries:PRVA.Germany, PFG.UK,
Headquarter Location:UK
Provident Financial PLC provides financial services. The Company offers personal credit products for consumers in the UK nonstandard lending market. The Company's business segments are Vanquis Bank, CCD, Moneybarn and Central.

Provident Financial PLC was incorporated on August 31, 1960. The Company provides financial services. It offers personal credit products for consumers in the UK nonstandard lending market. The Company's business segments are Vanquis Bank, CCD, Moneybarn and Central. The Company has three division Vanquis Bank, Consumer Credit Division and Moneybarn. The Vanquis Bank is a supplier of credit cards in the non-standard credit market. It provides new customers with a low credit limit. The Provident offers home credit loans, typically of a few hundred pounds, through a network of 7,700 local agents in the UK and Ireland. Satsuma is its online instalment loan product. The Company gives new customers an initial loan of between 100 pounds and 1,000 pounds and collect repayments by continuous payment authority. The Moneybarn provides car finance for people in the non-standard credit market.

Ratios

vs
industry
vs
history
PE Ratio 17.43
FPLPY's PE Ratio is ranked lower than
53% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. FPLPY: 17.43 )
Ranked among companies with meaningful PE Ratio only.
FPLPY' s PE Ratio Range Over the Past 10 Years
Min: 8.39  Med: 13.95 Max: 29
Current: 17.43
8.39
29
Forward PE Ratio 17.45
FPLPY's Forward PE Ratio is ranked lower than
69% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 12.74 vs. FPLPY: 17.45 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.43
FPLPY's PE Ratio without NRI is ranked lower than
53% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. FPLPY: 17.43 )
Ranked among companies with meaningful PE Ratio without NRI only.
FPLPY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.27  Med: 15.66 Max: 29
Current: 17.43
10.27
29
Price-to-Owner-Earnings 80.44
FPLPY's Price-to-Owner-Earnings is ranked lower than
92% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 11.54 vs. FPLPY: 80.44 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FPLPY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.07  Med: 42.28 Max: 402.95
Current: 80.44
9.07
402.95
PB Ratio 5.87
FPLPY's PB Ratio is ranked lower than
90% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. FPLPY: 5.87 )
Ranked among companies with meaningful PB Ratio only.
FPLPY' s PB Ratio Range Over the Past 10 Years
Min: 2.97  Med: 5.08 Max: 8.62
Current: 5.87
2.97
8.62
PS Ratio 3.87
FPLPY's PS Ratio is ranked lower than
52% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. FPLPY: 3.87 )
Ranked among companies with meaningful PS Ratio only.
FPLPY' s PS Ratio Range Over the Past 10 Years
Min: 1.18  Med: 2.2 Max: 4.73
Current: 3.87
1.18
4.73
Price-to-Operating-Cash-Flow 392.13
FPLPY's Price-to-Operating-Cash-Flow is ranked lower than
98% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. FPLPY: 392.13 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FPLPY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 29.65  Med: 49.25 Max: 394.75
Current: 392.13
29.65
394.75
EV-to-EBIT 17.29
FPLPY's EV-to-EBIT is ranked higher than
58% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. FPLPY: 17.29 )
Ranked among companies with meaningful EV-to-EBIT only.
FPLPY' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.4  Med: 12.7 Max: 22.8
Current: 17.29
9.4
22.8
EV-to-EBITDA 16.03
FPLPY's EV-to-EBITDA is ranked higher than
57% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. FPLPY: 16.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
FPLPY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.8  Med: 12.1 Max: 21.5
Current: 16.03
8.8
21.5
PEG Ratio 2.81
FPLPY's PEG Ratio is ranked lower than
71% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. FPLPY: 2.81 )
Ranked among companies with meaningful PEG Ratio only.
FPLPY' s PEG Ratio Range Over the Past 10 Years
Min: 0.72  Med: 2.1 Max: 5.41
Current: 2.81
0.72
5.41
Shiller PE Ratio 28.41
FPLPY's Shiller PE Ratio is ranked lower than
75% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 14.84 vs. FPLPY: 28.41 )
Ranked among companies with meaningful Shiller PE Ratio only.
FPLPY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 13.23 Max: 38
Current: 28.41
6.47
38
Current Ratio 4.62
FPLPY's Current Ratio is ranked higher than
65% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. FPLPY: 4.62 )
Ranked among companies with meaningful Current Ratio only.
FPLPY' s Current Ratio Range Over the Past 10 Years
Min: 1.28  Med: 2.36 Max: 9.54
Current: 4.62
1.28
9.54
Quick Ratio 4.62
FPLPY's Quick Ratio is ranked higher than
68% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. FPLPY: 4.62 )
Ranked among companies with meaningful Quick Ratio only.
FPLPY' s Quick Ratio Range Over the Past 10 Years
Min: 1.26  Med: 2.35 Max: 9.54
Current: 4.62
1.26
9.54
Days Sales Outstanding 0.03
FPLPY's Days Sales Outstanding is ranked higher than
52% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 14.92 vs. FPLPY: 0.03 )
Ranked among companies with meaningful Days Sales Outstanding only.
FPLPY' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.03  Med: 468.66 Max: 574.7
Current: 0.03
0.03
574.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.14
FPLPY's Dividend Yield % is ranked higher than
73% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. FPLPY: 4.14 )
Ranked among companies with meaningful Dividend Yield % only.
FPLPY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.44  Med: 6 Max: 11.67
Current: 4.14
2.44
11.67
Dividend Payout Ratio 0.67
FPLPY's Dividend Payout Ratio is ranked lower than
79% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. FPLPY: 0.67 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FPLPY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.67  Med: 0.79 Max: 2.03
Current: 0.67
0.67
2.03
3-Year Dividend Growth Rate 16.10
FPLPY's 3-Year Dividend Growth Rate is ranked higher than
73% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. FPLPY: 16.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FPLPY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5 Max: 93
Current: 16.1
0
93
Forward Dividend Yield % 4.14
FPLPY's Forward Dividend Yield % is ranked higher than
72% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. FPLPY: 4.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.94
FPLPY's 5-Year Yield-on-Cost % is ranked higher than
81% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. FPLPY: 6.94 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FPLPY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.09  Med: 10.06 Max: 19.58
Current: 6.94
4.09
19.58
3-Year Average Share Buyback Ratio -1.90
FPLPY's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -5.00 vs. FPLPY: -1.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FPLPY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.2  Med: -1 Max: 2.9
Current: -1.9
-2.2
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 20.08
FPLPY's Price-to-Net-Current-Asset-Value is ranked lower than
91% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 2.15 vs. FPLPY: 20.08 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
FPLPY' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 2.28  Med: 8.29 Max: 20.53
Current: 20.08
2.28
20.53
Price-to-Tangible-Book 7.23
FPLPY's Price-to-Tangible-Book is ranked lower than
92% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. FPLPY: 7.23 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FPLPY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.6  Med: 5.05 Max: 9.4
Current: 7.23
1.6
9.4
Price-to-Intrinsic-Value-Projected-FCF 5.01
FPLPY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
90% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. FPLPY: 5.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FPLPY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.27  Med: 5.63 Max: 140.3
Current: 5.01
1.27
140.3
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.95
FPLPY's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
55% of the 22 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. FPLPY: 0.95 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.76
FPLPY's Price-to-Median-PS-Value is ranked lower than
84% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. FPLPY: 1.76 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FPLPY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.28  Med: 0.87 Max: 2.22
Current: 1.76
0.28
2.22
Price-to-Peter-Lynch-Fair-Value 2.81
FPLPY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
83% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. FPLPY: 2.81 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FPLPY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.74  Med: 1.51 Max: 3.57
Current: 2.81
0.74
3.57
Price-to-Graham-Number 2.37
FPLPY's Price-to-Graham-Number is ranked lower than
78% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. FPLPY: 2.37 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FPLPY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.78  Med: 1.78 Max: 3.05
Current: 2.37
0.78
3.05
Earnings Yield (Greenblatt) % 5.78
FPLPY's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. FPLPY: 5.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FPLPY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.4  Med: 7.9 Max: 10.7
Current: 5.78
4.4
10.7
Forward Rate of Return (Yacktman) % 6.86
FPLPY's Forward Rate of Return (Yacktman) % is ranked higher than
52% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 10.06 vs. FPLPY: 6.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FPLPY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -24.2  Med: 5.9 Max: 15.2
Current: 6.86
-24.2
15.2

More Statistics

Revenue (TTM) (Mil) $1,575
EPS (TTM) $ 2.39
Beta1.05
Short Percentage of Float0.00%
52-Week Range $28.54 - 43.75
Shares Outstanding (Mil)148.21

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,618 1,753 1,889
EPS ($) 2.28 2.56 2.91
EPS without NRI ($) 2.28 2.56 2.91
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.81 2.01 2.30

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)