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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.10
FPLPY's Cash to Debt is ranked lower than
76% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. FPLPY: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
FPLPY' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.47 Max: 2.06
Current: 0.1
0.02
2.06
Equity to Asset 0.27
FPLPY's Equity to Asset is ranked lower than
67% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. FPLPY: 0.27 )
Ranked among companies with meaningful Equity to Asset only.
FPLPY' s Equity to Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.22 Max: 0.32
Current: 0.27
0.16
0.32
Interest Coverage 2.90
FPLPY's Interest Coverage is ranked lower than
61% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. FPLPY: 2.90 )
Ranked among companies with meaningful Interest Coverage only.
FPLPY' s Interest Coverage Range Over the Past 10 Years
Min: 0.64  Med: 2.64 Max: 3.6
Current: 2.9
0.64
3.6
F-Score: 3
Z-Score: 3.48
M-Score: -1.65
WACC vs ROIC
6.71%
9.93%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 20.88
FPLPY's Operating margin (%) is ranked higher than
56% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. FPLPY: 20.88 )
Ranked among companies with meaningful Operating margin (%) only.
FPLPY' s Operating margin (%) Range Over the Past 10 Years
Min: 3.02  Med: 17.04 Max: 27.42
Current: 20.88
3.02
27.42
Net-margin (%) 16.32
FPLPY's Net-margin (%) is ranked higher than
55% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. FPLPY: 16.32 )
Ranked among companies with meaningful Net-margin (%) only.
FPLPY' s Net-margin (%) Range Over the Past 10 Years
Min: 10.86  Med: 13.15 Max: 20.68
Current: 16.32
10.86
20.68
ROE (%) 34.10
FPLPY's ROE (%) is ranked higher than
95% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. FPLPY: 34.10 )
Ranked among companies with meaningful ROE (%) only.
FPLPY' s ROE (%) Range Over the Past 10 Years
Min: 32.1  Med: 35.60 Max: 42.59
Current: 34.1
32.1
42.59
ROA (%) 8.63
FPLPY's ROA (%) is ranked higher than
87% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. FPLPY: 8.63 )
Ranked among companies with meaningful ROA (%) only.
FPLPY' s ROA (%) Range Over the Past 10 Years
Min: 6.42  Med: 8.06 Max: 9.26
Current: 8.63
6.42
9.26
ROC (Joel Greenblatt) (%) 19.66
FPLPY's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. FPLPY: 19.66 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FPLPY' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 13.06  Med: 19.63 Max: 20.97
Current: 19.66
13.06
20.97
Revenue Growth (3Y)(%) 3.90
FPLPY's Revenue Growth (3Y)(%) is ranked higher than
50% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FPLPY: 3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FPLPY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.5  Med: 9.35 Max: 24.9
Current: 3.9
-30.5
24.9
EBITDA Growth (3Y)(%) 6.60
FPLPY's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. FPLPY: 6.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FPLPY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.2  Med: 9.40 Max: 28
Current: 6.6
-29.2
28
EPS Growth (3Y)(%) 11.70
FPLPY's EPS Growth (3Y)(%) is ranked higher than
58% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. FPLPY: 11.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FPLPY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.85 Max: 23.7
Current: 11.7
0
23.7
» FPLPY's 10-Y Financials

Financials (Next Earnings Date: 2016-02-23)


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 24.18
FPLPY's P/E(ttm) is ranked lower than
69% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 13.46 vs. FPLPY: 24.18 )
Ranked among companies with meaningful P/E(ttm) only.
FPLPY' s P/E(ttm) Range Over the Past 10 Years
Min: 8.39  Med: 13.52 Max: 29
Current: 24.18
8.39
29
Forward P/E 15.46
FPLPY's Forward P/E is ranked lower than
70% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 9.62 vs. FPLPY: 15.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.18
FPLPY's PE(NRI) is ranked lower than
69% of the 250 Companies
in the Global Credit Services industry.

( Industry Median: 13.40 vs. FPLPY: 24.18 )
Ranked among companies with meaningful PE(NRI) only.
FPLPY' s PE(NRI) Range Over the Past 10 Years
Min: 10.27  Med: 15.08 Max: 29
Current: 24.18
10.27
29
P/B 7.18
FPLPY's P/B is ranked lower than
91% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 1.08 vs. FPLPY: 7.18 )
Ranked among companies with meaningful P/B only.
FPLPY' s P/B Range Over the Past 10 Years
Min: 2.97  Med: 4.80 Max: 8.62
Current: 7.18
2.97
8.62
P/S 3.95
FPLPY's P/S is ranked lower than
67% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 2.55 vs. FPLPY: 3.95 )
Ranked among companies with meaningful P/S only.
FPLPY' s P/S Range Over the Past 10 Years
Min: 1.02  Med: 1.92 Max: 4.73
Current: 3.95
1.02
4.73
PFCF 50.07
FPLPY's PFCF is ranked lower than
92% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 11.62 vs. FPLPY: 50.07 )
Ranked among companies with meaningful PFCF only.
FPLPY' s PFCF Range Over the Past 10 Years
Min: 34.67  Med: 83.00 Max: 163.2
Current: 50.07
34.67
163.2
POCF 40.60
FPLPY's POCF is ranked lower than
89% of the 158 Companies
in the Global Credit Services industry.

( Industry Median: 9.55 vs. FPLPY: 40.60 )
Ranked among companies with meaningful POCF only.
FPLPY' s POCF Range Over the Past 10 Years
Min: 29.54  Med: 41.79 Max: 158.33
Current: 40.6
29.54
158.33
EV-to-EBIT 11.05
FPLPY's EV-to-EBIT is ranked higher than
64% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 17.01 vs. FPLPY: 11.05 )
Ranked among companies with meaningful EV-to-EBIT only.
FPLPY' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.4  Med: 12.50 Max: 22.5
Current: 11.05
9.4
22.5
EV-to-EBITDA 10.56
FPLPY's EV-to-EBITDA is ranked higher than
58% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 15.47 vs. FPLPY: 10.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
FPLPY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.8  Med: 11.90 Max: 21.32
Current: 10.56
8.8
21.32
PEG 2.99
FPLPY's PEG is ranked lower than
90% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. FPLPY: 2.99 )
Ranked among companies with meaningful PEG only.
FPLPY' s PEG Range Over the Past 10 Years
Min: 0.73  Med: 1.27 Max: 3.76
Current: 2.99
0.73
3.76
Shiller P/E 31.48
FPLPY's Shiller P/E is ranked lower than
81% of the 52 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. FPLPY: 31.48 )
Ranked among companies with meaningful Shiller P/E only.
FPLPY' s Shiller P/E Range Over the Past 10 Years
Min: 6.47  Med: 10.93 Max: 38
Current: 31.48
6.47
38
Current Ratio 6.90
FPLPY's Current Ratio is ranked higher than
66% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. FPLPY: 6.90 )
Ranked among companies with meaningful Current Ratio only.
FPLPY' s Current Ratio Range Over the Past 10 Years
Min: 1.85  Med: 3.07 Max: 9.54
Current: 6.9
1.85
9.54
Quick Ratio 6.90
FPLPY's Quick Ratio is ranked higher than
67% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. FPLPY: 6.90 )
Ranked among companies with meaningful Quick Ratio only.
FPLPY' s Quick Ratio Range Over the Past 10 Years
Min: 1.85  Med: 3.06 Max: 9.54
Current: 6.9
1.85
9.54
Days Sales Outstanding 574.70
FPLPY's Days Sales Outstanding is ranked lower than
94% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. FPLPY: 574.70 )
Ranked among companies with meaningful Days Sales Outstanding only.
FPLPY' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.04  Med: 473.76 Max: 616.25
Current: 574.7
0.04
616.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.69
FPLPY's Dividend Yield is ranked higher than
67% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 3.49 vs. FPLPY: 3.69 )
Ranked among companies with meaningful Dividend Yield only.
FPLPY' s Dividend Yield Range Over the Past 10 Years
Min: 2.44  Med: 6.52 Max: 11.67
Current: 3.69
2.44
11.67
Dividend Payout 0.73
FPLPY's Dividend Payout is ranked lower than
83% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 0.28 vs. FPLPY: 0.73 )
Ranked among companies with meaningful Dividend Payout only.
FPLPY' s Dividend Payout Range Over the Past 10 Years
Min: 0.47  Med: 0.77 Max: 1.81
Current: 0.73
0.47
1.81
Dividend Growth (3y) 7.00
FPLPY's Dividend Growth (3y) is ranked lower than
56% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 9.00 vs. FPLPY: 7.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FPLPY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -20.3  Med: 5.50 Max: 29.7
Current: 7
-20.3
29.7
Forward Dividend Yield 2.72
FPLPY's Forward Dividend Yield is ranked lower than
51% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. FPLPY: 2.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.21
FPLPY's Yield on cost (5-Year) is ranked higher than
65% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 3.22 vs. FPLPY: 5.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FPLPY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.44  Med: 9.19 Max: 16.44
Current: 5.21
3.44
16.44
3-Year Average Share Buyback Ratio -1.70
FPLPY's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. FPLPY: -1.70 )
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: -16.1  Med: -0.90 Max: 12.7
Current: -1.7
-16.1
12.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 9.00
FPLPY's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. FPLPY: 9.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FPLPY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.46  Med: 8.00 Max: 10.7
Current: 9
4.46
10.7
Forward Rate of Return (Yacktman) (%) 8.29
FPLPY's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. FPLPY: 8.29 )
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: -24.1  Med: 5.45 Max: 15.2
Current: 8.29
-24.1
15.2

More Statistics

Revenue(Mil) $1630
EPS $ 1.89
Beta0.98
Short Percentage of Float0.00%
52-Week Range $40.07 - 56.20
Shares Outstanding(Mil)147.19

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 1,708 1,870 2,010
EPS($) 2.40 2.57 2.91
EPS without NRI($) 2.40 2.57 2.91

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Traded in other countries:PRVA.Germany, PFG.UK,
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.

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