Provident Financial (PFG)

Sector:

Financial Services

Index:

FTSE 250

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1,078.00p
   
  • Change Today:
      8.00p
  • 52 Week High: 1,204.00p
  • 52 Week Low: 915.00p
  • Currency: UK Pounds
  • Shares Issued: 138.14m
  • Volume: 166,551
  • Market Cap: £1,489.14m
  • RiskGrade: 126
  • Beta: 0.49

PFG Overview

Provident Financial's core business is lending small sums of credit to poorer sections of the UK population. The demerger of its international home credit business was completed in July 2007. It now trades independently as International Personal Finance. In addition, the firm has sold its motor insurance business, Provident Insurance, to a subsidiary of GMAC Insurance Holdings.

1 Day Chart (25-05-2012)

6 Month Chart

Financials

Latest F'cast
Div Yield 6.4% 6.4%
Div Cover 1.3 1.4
Op Mrgn 25.4% 17.6%
ROCE 17.0%  
Latest F'cast
P/E 12.0 11.0
PEG 0.9 1.2
Pr/Revenue 1.6 1.5
Pr/Book 4.6  
Latest F'cast
Revenue 5.1% 7.3%
PBT 14.2% 6.1%
EPS 14.0% 9.0%
DPS 8.7% 0.6%

PFG Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-07 669.20 115.20 40.90p 20.4 n/a -49% 63.50p 7.6%
31-Dec-08 751.20 128.80 70.90p 12.1 0.2 +73% 63.50p 7.4%
31-Dec-09 815.60 125.70 71.40p 13.0 13.0 +1% 63.50p 6.8%
31-Dec-10 866.40 142.00 78.60p 11.1 1.1 +10% 63.50p 7.3%
31-Dec-11 910.80 162.10 89.60p 10.5 0.8 +14% 69.00p 7.3%

a. Based on UK GAAP presentation of accounts - includes discontinued activities

PFG Forecasts

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-12 977.61 172.05 97.69p 11.0 1.2 +9% 69.40p 6.4%
31-Dec-13 1,051.99 186.01 106.08p 10.2 1.2 +9% 75.19p 6.9%

Copyright © 2012 FactSet Research Systems Inc. All rights reserved.

PFG Company Announcements

Publication of Half-Yearly Report 23-May-2012 15:32 RNS
Disclosure of Short Position 22-May-2012 14:37 RNS
Director/PDMR Shareholding 11-May-2012 17:00 RNS

PFG ShareCast News

FTSE 250 movers: Ophir races into top spot on ac... 16-May-2012 ShareCast
London midday: Greece, UK concerns pull Footsie ... 16-May-2012 ShareCast
London open: Footsie at lowest levels since mid-... 16-May-2012 ShareCast

PFG Top Newspaper Links

Provident Financial faces backlash from Barnardo... 29-Jul-2009 Times
Provident 'no rip-off' 29-Jul-2009 Sun
Sub-prime lender sacks executives over £700m acc... 02-Jul-2009 Guardian

Latest PFG Director Deals

Traded Action Notifier PriceAmountValue
10-May-12 Sell Ken Mullen 1,153.38p 5,959 £68,730.03
10-May-12 Transfer From Ken Mullen 0.000p 13,873 £0.00
10-May-12 Sell Chris Gillespie 1,153.38p 53,131 £612,803.40

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: In the case of dual listed securities, broker recommendations and forecasts relate to the primary listing.

Note 6: Forecast figures based on normalised accounts.

 

PFG Market Data

Currency UK Pounds
Share Price 1,078.00p
Change Today 8.00p
% Change 0.75 %
52 Week High 1,204.00p
52 Week Low 915.00p
Volume 166,551
Shares Issued 138.14m
Market Cap £1,489.14m
Beta 0.49
RiskGrade 126

PFG Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
26.29% below the market average26.29% below the market average26.29% below the market average26.29% below the market average26.29% below the market average
71.23% below the sector average71.23% below the sector average71.23% below the sector average71.23% below the sector average71.23% below the sector average
Price Trend
75.09% above the market average75.09% above the market average75.09% above the market average75.09% above the market average75.09% above the market average
73.26% above the sector average73.26% above the sector average73.26% above the sector average73.26% above the sector average73.26% above the sector average
Income
83.56% above the market average83.56% above the market average83.56% above the market average83.56% above the market average83.56% above the market average
67.65% above the sector average67.65% above the sector average67.65% above the sector average67.65% above the sector average67.65% above the sector average
Growth
1.82% below the market average1.82% below the market average1.82% below the market average1.82% below the market average1.82% below the market average
21.68% below the sector average21.68% below the sector average21.68% below the sector average21.68% below the sector average21.68% below the sector average

What The Brokers Say

Strong Buy 5
Buy 0
Neutral 7
Sell 1
Strong Sell 2
Total 15
neutral
Broker recommendations should not be taken as investment advice, and are provided by the authorised brokers listed on this page.

PFG Dividends

  Latest Previous
  Final Interim
Ex-Div 16-May-12 02-Nov-11
Paid 21-Jun-12 30-Nov-11
Amount 42.30p 26.70p

Trades for 25-May-2012

Time Volume / Share Price
16:45 3,683 @ 1,078.13p
16:35 43,185 @ 1,078.00p
16:29 38 @ 1,082.00p
16:29 99 @ 1,082.00p
16:29 240 @ 1,082.00p

PFG Key Personnel

CEO Peter Crook
Finance Director Andrew C Fisher

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