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Also traded in: Germany, UK
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Business Description

Industry: Credit Services » Credit Services  
Compare:OTCPK:EDNMY, NAS:SLM, OTCPK:ELEEF, NAS:CACC, NYSE:OMF, NYSE:FCFS, NYSE:NNI, OTCPK:AIFLY, NYSE:GDOT, NYSE:TCAP, OTCPK:AUTCF, NYSE:WU, NYSE:PHH, NAS:MGI, OTCPK:ALARF, NAS:FSC, NYSE:AGM, NAS:EZPW, NAS:WRLD, NAS:NEWS » details
Traded in other countries:PRVA.Germany, PFG.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 16.29
FPLPY's PE Ratio is ranked lower than
51% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 15.31 vs. FPLPY: 16.29 )
Ranked among companies with meaningful PE Ratio only.
FPLPY' s PE Ratio Range Over the Past 10 Years
Min: 8.39  Med: 13.91 Max: 29
Current: 16.29
8.39
29
Forward PE Ratio 14.75
FPLPY's Forward PE Ratio is ranked lower than
66% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. FPLPY: 14.75 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.29
FPLPY's PE Ratio without NRI is ranked lower than
53% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FPLPY: 16.29 )
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: 15.75 Max: 29
Current: 16.29
10.27
29
Price-to-Owner-Earnings 42.25
FPLPY's Price-to-Owner-Earnings is ranked lower than
86% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 12.92 vs. FPLPY: 42.25 )
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: 40.94 Max: 402.95
Current: 42.25
9.07
402.95
PB Ratio 5.70
FPLPY's PB Ratio is ranked lower than
89% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. FPLPY: 5.70 )
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: 5.7
2.97
8.62
PS Ratio 3.71
FPLPY's PS Ratio is ranked higher than
51% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. FPLPY: 3.71 )
Ranked among companies with meaningful PS Ratio only.
FPLPY' s PS Ratio Range Over the Past 10 Years
Min: 1.18  Med: 2.19 Max: 4.73
Current: 3.71
1.18
4.73
Price-to-Free-Cash-Flow 75.80
FPLPY's Price-to-Free-Cash-Flow is ranked lower than
96% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 8.71 vs. FPLPY: 75.80 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FPLPY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 34.45  Med: 79.39 Max: 166.53
Current: 75.8
34.45
166.53
Price-to-Operating-Cash-Flow 50.71
FPLPY's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. FPLPY: 50.71 )
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: 48.48 Max: 172.73
Current: 50.71
29.65
172.73
EV-to-EBIT 16.90
FPLPY's EV-to-EBIT is ranked higher than
55% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 19.13 vs. FPLPY: 16.90 )
Ranked among companies with meaningful EV-to-EBIT only.
FPLPY' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.4  Med: 12.5 Max: 22.5
Current: 16.9
9.4
22.5
EV-to-EBITDA 15.82
FPLPY's EV-to-EBITDA is ranked higher than
51% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 16.52 vs. FPLPY: 15.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
FPLPY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.8  Med: 11.9 Max: 21.5
Current: 15.82
8.8
21.5
PEG Ratio 2.95
FPLPY's PEG Ratio is ranked lower than
83% of the 95 Companies
in the Global Credit Services industry.

( Industry Median: 0.65 vs. FPLPY: 2.95 )
Ranked among companies with meaningful PEG Ratio only.
FPLPY' s PEG Ratio Range Over the Past 10 Years
Min: 0.72  Med: 2 Max: 4.17
Current: 2.95
0.72
4.17
Shiller PE Ratio 27.99
FPLPY's Shiller PE Ratio is ranked lower than
76% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. FPLPY: 27.99 )
Ranked among companies with meaningful Shiller PE Ratio only.
FPLPY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 12.99 Max: 38
Current: 27.99
6.47
38
Current Ratio 4.72
FPLPY's Current Ratio is ranked higher than
56% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.95 vs. FPLPY: 4.72 )
Ranked among companies with meaningful Current Ratio only.
FPLPY' s Current Ratio Range Over the Past 10 Years
Min: 2.06  Med: 5.69 Max: 9.54
Current: 4.72
2.06
9.54
Quick Ratio 4.72
FPLPY's Quick Ratio is ranked higher than
62% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. FPLPY: 4.72 )
Ranked among companies with meaningful Quick Ratio only.
FPLPY' s Quick Ratio Range Over the Past 10 Years
Min: 2.06  Med: 5.69 Max: 9.54
Current: 4.72
2.06
9.54
Days Sales Outstanding 596.40
FPLPY's Days Sales Outstanding is ranked lower than
97% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 15.75 vs. FPLPY: 596.40 )
Ranked among companies with meaningful Days Sales Outstanding only.
FPLPY' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.04  Med: 496.63 Max: 616.25
Current: 596.4
0.04
616.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.68
FPLPY's Dividend Yield % is ranked higher than
74% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. FPLPY: 4.68 )
Ranked among companies with meaningful Dividend Yield % only.
FPLPY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.44  Med: 6.03 Max: 11.67
Current: 4.68
2.44
11.67
Dividend Payout Ratio 0.66
FPLPY's Dividend Payout Ratio is ranked lower than
82% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. FPLPY: 0.66 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FPLPY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.66  Med: 0.82 Max: 2.03
Current: 0.66
0.66
2.03
3-Year Dividend Growth Rate 9.30
FPLPY's 3-Year Dividend Growth Rate is ranked higher than
54% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.40 vs. FPLPY: 9.30 )
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: -20.3  Med: 6 Max: 29.7
Current: 9.3
-20.3
29.7
Forward Dividend Yield % 4.68
FPLPY's Forward Dividend Yield % is ranked higher than
71% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. FPLPY: 4.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 7.23
FPLPY's 5-Year Yield-on-Cost % is ranked higher than
80% of the 322 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. FPLPY: 7.23 )
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: 3.77  Med: 9.32 Max: 18.04
Current: 7.23
3.77
18.04
3-Year Average Share Buyback Ratio -2.10
FPLPY's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. FPLPY: -2.10 )
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: -2.1
-2.2
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 21.97
FPLPY's Price-to-Net-Current-Asset-Value is ranked lower than
90% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 2.41 vs. FPLPY: 21.97 )
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: 5.33  Med: 10.1 Max: 22.01
Current: 21.97
5.33
22.01
Price-to-Tangible-Book 7.22
FPLPY's Price-to-Tangible-Book is ranked lower than
92% of the 373 Companies
in the Global Credit Services industry.

( Industry Median: 1.48 vs. FPLPY: 7.22 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FPLPY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 3.81  Med: 5.25 Max: 10.09
Current: 7.22
3.81
10.09
Price-to-Intrinsic-Value-Projected-FCF 4.59
FPLPY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. FPLPY: 4.59 )
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: 0  Med: 8.45 Max: 140.3
Current: 4.59
0
140.3
Price-to-Median-PS-Value 1.69
FPLPY's Price-to-Median-PS-Value is ranked lower than
99.99% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. FPLPY: 1.69 )
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  Med: 0.82 Max: 2.01
Current: 1.69
0
2.01
Price-to-Peter-Lynch-Fair-Value 3.00
FPLPY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 58 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. FPLPY: 3.00 )
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  Med: 1.22 Max: 3.57
Current: 3
0
3.57
Price-to-Graham-Number 2.29
FPLPY's Price-to-Graham-Number is ranked lower than
78% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. FPLPY: 2.29 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FPLPY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.4  Med: 1.79 Max: 3.45
Current: 2.29
1.4
3.45
Earnings Yield (Greenblatt) % 5.93
FPLPY's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 387 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FPLPY: 5.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FPLPY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.4  Med: 8 Max: 10.7
Current: 5.93
4.4
10.7
Forward Rate of Return (Yacktman) % 7.14
FPLPY's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. FPLPY: 7.14 )
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: 7 Max: 15.2
Current: 7.14
-24.2
15.2

More Statistics

Revenue (TTM) (Mil) $1,647
EPS (TTM) $ 2.54
Beta1.05
Short Percentage of Float0.00%
52-Week Range $28.54 - 47.41
Shares Outstanding (Mil)147.77

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 1,490 1,617 1,718
EPS ($) 2.18 2.31 2.46
EPS without NRI ($) 2.18 2.31 2.46
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.66 1.80 1.92
» More Articles for OTCPK:FPLPY

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