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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
52% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. FPLPY: 0.10 )
FPLPY' s 10-Year Cash to Debt Range
Min: 0.02   Max: 2.07
Current: 0.1

0.02
2.07
Equity to Asset 0.27
FPLPY's Equity to Asset is ranked higher than
64% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. FPLPY: 0.27 )
FPLPY' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.32
Current: 0.27

0.16
0.32
Interest Coverage 2.90
FPLPY's Interest Coverage is ranked higher than
53% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. FPLPY: 2.90 )
FPLPY' s 10-Year Interest Coverage Range
Min: 0.64   Max: 12.8
Current: 2.9

0.64
12.8
F-Score: 3
Z-Score: 3.58
M-Score: -1.65
WACC vs ROIC
7.17%
10.36%
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 (%) 20.88
FPLPY's Operating margin (%) is ranked higher than
67% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. FPLPY: 20.88 )
FPLPY' s 10-Year Operating margin (%) Range
Min: 3.02   Max: 30.73
Current: 20.88

3.02
30.73
Net-margin (%) 16.32
FPLPY's Net-margin (%) is ranked higher than
67% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. FPLPY: 16.32 )
FPLPY' s 10-Year Net-margin (%) Range
Min: 10.86   Max: 21.05
Current: 16.32

10.86
21.05
ROE (%) 36.31
FPLPY's ROE (%) is ranked higher than
96% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 11.27 vs. FPLPY: 36.31 )
FPLPY' s 10-Year ROE (%) Range
Min: 31.66   Max: 44.74
Current: 36.31

31.66
44.74
ROA (%) 9.01
FPLPY's ROA (%) is ranked higher than
90% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. FPLPY: 9.01 )
FPLPY' s 10-Year ROA (%) Range
Min: 6.42   Max: 11.08
Current: 9.01

6.42
11.08
ROC (Joel Greenblatt) (%) 14.92
FPLPY's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. FPLPY: 14.92 )
FPLPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 5.11   Max: 213.88
Current: 14.92

5.11
213.88
Revenue Growth (3Y)(%) 3.90
FPLPY's Revenue Growth (3Y)(%) is ranked higher than
69% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. FPLPY: 3.90 )
FPLPY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.5   Max: 24.9
Current: 3.9

-30.5
24.9
EBITDA Growth (3Y)(%) 6.60
FPLPY's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: -1.40 vs. FPLPY: 6.60 )
FPLPY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.2   Max: 28
Current: 6.6

-29.2
28
EPS Growth (3Y)(%) 12.00
FPLPY's EPS Growth (3Y)(%) is ranked higher than
75% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. FPLPY: 12.00 )
FPLPY' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 23.4
Current: 12

0
23.4
» FPLPY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 24.50
FPLPY's P/E(ttm) is ranked higher than
69% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 25.80 vs. FPLPY: 24.50 )
FPLPY' s 10-Year P/E(ttm) Range
Min: 8.39   Max: 25.14
Current: 24.5

8.39
25.14
Forward P/E 17.33
FPLPY's Forward P/E is ranked higher than
82% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 17.33 )
N/A
PE(NRI) 24.40
FPLPY's PE(NRI) is ranked higher than
70% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 26.00 vs. FPLPY: 24.40 )
FPLPY' s 10-Year PE(NRI) Range
Min: 10.31   Max: 27.89
Current: 24.4

10.31
27.89
P/B 7.30
FPLPY's P/B is ranked lower than
52% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.00 vs. FPLPY: 7.30 )
FPLPY' s 10-Year P/B Range
Min: 2.97   Max: 7.65
Current: 7.3

2.97
7.65
P/S 4.00
FPLPY's P/S is ranked higher than
62% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 4.12 vs. FPLPY: 4.00 )
FPLPY' s 10-Year P/S Range
Min: 1.06   Max: 4.1
Current: 4

1.06
4.1
PFCF 50.90
FPLPY's PFCF is ranked higher than
81% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 50.90 )
FPLPY' s 10-Year PFCF Range
Min: 34.67   Max: 159
Current: 50.9

34.67
159
POCF 41.28
FPLPY's POCF is ranked higher than
77% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 41.28 )
FPLPY' s 10-Year POCF Range
Min: 29.54   Max: 158.25
Current: 41.28

29.54
158.25
EV-to-EBIT 25.99
FPLPY's EV-to-EBIT is ranked higher than
75% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 34.13 vs. FPLPY: 25.99 )
FPLPY' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 54.4
Current: 25.99

9.1
54.4
PEG 3.17
FPLPY's PEG is ranked higher than
90% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 3.17 )
FPLPY' s 10-Year PEG Range
Min: 0.51   Max: 4.22
Current: 3.17

0.51
4.22
Shiller P/E 31.30
FPLPY's Shiller P/E is ranked higher than
81% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 31.30 )
FPLPY' s 10-Year Shiller P/E Range
Min: 6.58   Max: 32.27
Current: 31.3

6.58
32.27
Current Ratio 6.90
FPLPY's Current Ratio is ranked higher than
89% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 1.86 vs. FPLPY: 6.90 )
FPLPY' s 10-Year Current Ratio Range
Min: 1.76   Max: 9.54
Current: 6.9

1.76
9.54
Quick Ratio 6.90
FPLPY's Quick Ratio is ranked higher than
90% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 1.81 vs. FPLPY: 6.90 )
FPLPY' s 10-Year Quick Ratio Range
Min: 1.76   Max: 9.54
Current: 6.9

1.76
9.54
Days Sales Outstanding 574.70
FPLPY's Days Sales Outstanding is ranked higher than
64% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. FPLPY: 574.70 )
FPLPY' s 10-Year Days Sales Outstanding Range
Min: 0.04   Max: 616.25
Current: 574.7

0.04
616.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
FPLPY's Dividend Yield is ranked higher than
71% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. FPLPY: 3.10 )
FPLPY' s 10-Year Dividend Yield Range
Min: 2.81   Max: 11.68
Current: 3.1

2.81
11.68
Dividend Payout 0.69
FPLPY's Dividend Payout is ranked higher than
76% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 0.69 )
FPLPY' s 10-Year Dividend Payout Range
Min: 0.4   Max: 1.81
Current: 0.69

0.4
1.81
Dividend growth (3y) 7.00
FPLPY's Dividend growth (3y) is ranked higher than
71% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. FPLPY: 7.00 )
FPLPY' s 10-Year Dividend growth (3y) Range
Min: -20.3   Max: 93
Current: 7

-20.3
93
Yield on cost (5-Year) 4.37
FPLPY's Yield on cost (5-Year) is ranked higher than
67% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.77 vs. FPLPY: 4.37 )
FPLPY' s 10-Year Yield on cost (5-Year) Range
Min: 3.96   Max: 16.46
Current: 4.37

3.96
16.46
Share Buyback Rate -1.70
FPLPY's Share Buyback Rate is ranked higher than
74% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. FPLPY: -1.70 )
FPLPY' s 10-Year Share Buyback Rate Range
Min: 12.7   Max: -16.1
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 10.30
FPLPY's Price/Tangible Book is ranked lower than
55% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. FPLPY: 10.30 )
FPLPY' s 10-Year Price/Tangible Book Range
Min: 3.89   Max: 9.41
Current: 10.3

3.89
9.41
Price/DCF (Projected) 6.10
FPLPY's Price/DCF (Projected) is ranked higher than
79% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 6.10 )
FPLPY' s 10-Year Price/DCF (Projected) Range
Min: 4.72   Max: 137.3
Current: 6.1

4.72
137.3
Price/Median PS Value 2.40
FPLPY's Price/Median PS Value is ranked higher than
51% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. FPLPY: 2.40 )
FPLPY' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.83
Current: 2.4

0.6
1.83
Price/Peter Lynch Fair Value 4.30
FPLPY's Price/Peter Lynch Fair Value is ranked higher than
92% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FPLPY: 4.30 )
FPLPY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 3.32
Current: 4.3

0.53
3.32
Price/Graham Number 3.50
FPLPY's Price/Graham Number is ranked higher than
65% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. FPLPY: 3.50 )
FPLPY' s 10-Year Price/Graham Number Range
Min: 1.41   Max: 2.68
Current: 3.5

1.41
2.68
Earnings Yield (Greenblatt) 3.80
FPLPY's Earnings Yield (Greenblatt) is ranked higher than
67% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. FPLPY: 3.80 )
FPLPY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 10.9
Current: 3.8

1.8
10.9
Forward Rate of Return (Yacktman) 6.60
FPLPY's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 156 Companies
in the Global Credit Services industry.

( Industry Median: 8.75 vs. FPLPY: 6.60 )
FPLPY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -31.7   Max: 17.5
Current: 6.6

-31.7
17.5

Business Description

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