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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 higher than
61% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 0.17 vs. FPLPY: 0.10 )
FPLPY' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.48
Current: 0.1

0.02
0.48
Equity to Asset 0.23
FPLPY's Equity to Asset is ranked higher than
70% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. FPLPY: 0.23 )
FPLPY' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.32
Current: 0.23

0.16
0.32
Interest Coverage 3.46
FPLPY's Interest Coverage is ranked higher than
75% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 3.43 vs. FPLPY: 3.46 )
FPLPY' s 10-Year Interest Coverage Range
Min: 0.64   Max: 12.8
Current: 3.46

0.64
12.8
F-Score: 3
Z-Score: 3.17
M-Score: -2.30
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 (%) 23.80
FPLPY's Operating margin (%) is ranked higher than
64% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. FPLPY: 23.80 )
FPLPY' s 10-Year Operating margin (%) Range
Min: 3.02   Max: 30.73
Current: 23.8

3.02
30.73
Net-margin (%) 13.08
FPLPY's Net-margin (%) is ranked higher than
65% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. FPLPY: 13.08 )
FPLPY' s 10-Year Net-margin (%) Range
Min: 10.86   Max: 21.05
Current: 13.08

10.86
21.05
ROE (%) 33.83
FPLPY's ROE (%) is ranked higher than
96% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. FPLPY: 33.83 )
FPLPY' s 10-Year ROE (%) Range
Min: 29.2   Max: 46.77
Current: 33.83

29.2
46.77
ROA (%) 7.79
FPLPY's ROA (%) is ranked higher than
92% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. FPLPY: 7.79 )
FPLPY' s 10-Year ROA (%) Range
Min: 6.46   Max: 12.87
Current: 7.79

6.46
12.87
ROC (Joel Greenblatt) (%) 19.04
FPLPY's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 31.17 vs. FPLPY: 19.04 )
FPLPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.85   Max: 31.58
Current: 19.04

4.85
31.58
Revenue Growth (%) 5.80
FPLPY's Revenue Growth (%) is ranked higher than
67% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 7.90 vs. FPLPY: 5.80 )
FPLPY' s 10-Year Revenue Growth (%) Range
Min: -30.5   Max: 24.9
Current: 5.8

-30.5
24.9
EBITDA Growth (%) 3.70
FPLPY's EBITDA Growth (%) is ranked higher than
60% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 10.70 vs. FPLPY: 3.70 )
FPLPY' s 10-Year EBITDA Growth (%) Range
Min: -27.4   Max: 28
Current: 3.7

-27.4
28
EPS Growth (%) 9.50
FPLPY's EPS Growth (%) is ranked higher than
59% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. FPLPY: 9.50 )
FPLPY' s 10-Year EPS Growth (%) Range
Min: 0   Max: 23.4
Current: 9.5

0
23.4
» FPLPY's 10-Y Financials

Financials


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

» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.00
FPLPY's P/E(ttm) is ranked higher than
52% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 14.10 vs. FPLPY: 20.00 )
FPLPY' s 10-Year P/E(ttm) Range
Min: 8.39   Max: 22.25
Current: 20

8.39
22.25
P/B 6.90
FPLPY's P/B is ranked lower than
69% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. FPLPY: 6.90 )
FPLPY' s 10-Year P/B Range
Min: 3.12   Max: 11.52
Current: 6.9

3.12
11.52
P/S 2.88
FPLPY's P/S is ranked higher than
52% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. FPLPY: 2.88 )
FPLPY' s 10-Year P/S Range
Min: 1.06   Max: 3.11
Current: 2.88

1.06
3.11
PFCF 44.50
FPLPY's PFCF is ranked higher than
59% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 37.08 vs. FPLPY: 44.50 )
FPLPY' s 10-Year PFCF Range
Min: 34.67   Max: 159
Current: 44.5

34.67
159
EV-to-EBIT 15.99
FPLPY's EV-to-EBIT is ranked higher than
74% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 17.66 vs. FPLPY: 15.99 )
FPLPY' s 10-Year EV-to-EBIT Range
Min: 10.9   Max: 54.7
Current: 15.99

10.9
54.7
PEG 2.70
FPLPY's PEG is ranked higher than
71% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FPLPY: 2.70 )
FPLPY' s 10-Year PEG Range
Min: 0.51   Max: 2.96
Current: 2.7

0.51
2.96
Shiller P/E 23.00
FPLPY's Shiller P/E is ranked higher than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 27.42 vs. FPLPY: 23.00 )
FPLPY' s 10-Year Shiller P/E Range
Min: 6.58   Max: 25.55
Current: 23

6.58
25.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.78
FPLPY's Dividend Yield is ranked higher than
77% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. FPLPY: 3.78 )
FPLPY' s 10-Year Dividend Yield Range
Min: 3.49   Max: 17.48
Current: 3.78

3.49
17.48
Dividend Payout 0.75
FPLPY's Dividend Payout is ranked higher than
67% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. FPLPY: 0.75 )
FPLPY' s 10-Year Dividend Payout Range
Min: 0.5   Max: 2.8
Current: 0.75

0.5
2.8
Dividend growth (3y) 7.70
FPLPY's Dividend growth (3y) is ranked higher than
79% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. FPLPY: 7.70 )
FPLPY' s 10-Year Dividend growth (3y) Range
Min: -23.8   Max: 107.3
Current: 7.7

-23.8
107.3
Yield on cost (5-Year) 5.04
FPLPY's Yield on cost (5-Year) is ranked higher than
77% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 3.34 vs. FPLPY: 5.04 )
FPLPY' s 10-Year Yield on cost (5-Year) Range
Min: 4.63   Max: 23.17
Current: 5.04

4.63
23.17
Share Buyback Rate -1.60
FPLPY's Share Buyback Rate is ranked higher than
71% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. FPLPY: -1.60 )
FPLPY' s 10-Year Share Buyback Rate Range
Min: 12.7   Max: -16.1
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 7.60
FPLPY's Price/Tangible Book is ranked lower than
71% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. FPLPY: 7.60 )
FPLPY' s 10-Year Price/Tangible Book Range
Min: 3.89   Max: 10.98
Current: 7.6

3.89
10.98
Price/DCF (Projected) 8.70
FPLPY's Price/DCF (Projected) is ranked higher than
64% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FPLPY: 8.70 )
FPLPY' s 10-Year Price/DCF (Projected) Range
Min: 6.63   Max: 137.3
Current: 8.7

6.63
137.3
Price/Median PS Value 1.70
FPLPY's Price/Median PS Value is ranked lower than
52% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. FPLPY: 1.70 )
FPLPY' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 1.62
Current: 1.7

0.64
1.62
Price/Peter Lynch Fair Value 2.70
FPLPY's Price/Peter Lynch Fair Value is ranked higher than
73% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FPLPY: 2.70 )
FPLPY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 2.11
Current: 2.7

0.53
2.11
Price/Graham Number 2.70
FPLPY's Price/Graham Number is ranked lower than
58% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. FPLPY: 2.70 )
FPLPY' s 10-Year Price/Graham Number Range
Min: 1.41   Max: 4.83
Current: 2.7

1.41
4.83
Earnings Yield (Greenblatt) 6.30
FPLPY's Earnings Yield (Greenblatt) is ranked higher than
65% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 6.20 vs. FPLPY: 6.30 )
FPLPY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 9.2
Current: 6.3

1.8
9.2
Forward Rate of Return (Yacktman) 7.91
FPLPY's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 12.43 vs. FPLPY: 7.91 )
FPLPY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -31.1   Max: 17.5
Current: 7.91

-31.1
17.5

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Traded in other countries:PFG.UK, PRVA.Germany
Provident Financial PLC provides tailored credit products to non-standard borrowers in the UK and Ireland. It operates through Consumer Credit Division and Vanquis Bank. The Consumer Credit division provides small loans, issued in the home and collected weekly. Vanquis Bank issues credit cards to people often excluded by mainstream card issuers, allowing them to participate more fully in the modern world. All of the group's operations are in the UK and Republic of Ireland.

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