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Provident Financial(PFG)

Sector:

General Financial

Index:

FTSE 250

Market Cap

£1,118.82m

Change Today

Price Up16.00p

Share Price

852.50p

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

1 Day Chart

6 Month Chart

6 Month Chart

Income & Efficiency

Latest F'cast
Div Yield 7.4% 7.9%
Div Cover 1.0 1.1
Op Mrgn -73.6% 17.7%
ROCE 16.9%  

Valuation

Latest F'cast
P/E 13.4 12.5
PEG n/a 1.7
Pr/Revenue 1.7 1.6
Pr/Book 3.8  

Growth

Latest F'cast
Revenue 2.2% 6.7%
PBT 10.7% 9.4%
EPS -20.5% 7.2%
DPS 74.0% 0.3%

PFG Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-03 a1,134.20 a201.90 78.56p 11.3 1.4 +8% 45.05p 5.1%
31-Dec-04 1,000.30 208.20 78.83p 11.6 n/a 0% 46.97p 5.1%
31-Dec-05 1,337.50 40.40 68.82p 10.9 n/a -13% 48.37p 6.5%
31-Dec-06 654.60 104.10 79.92p 12.0 0.7 +16% 36.49p 3.8%
31-Dec-07 669.20 115.20 63.51p 13.1 n/a -20% 63.50p 7.6%

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-08 713.83 126.09 68.10p 12.3 1.7 +7% 63.71p 7.9%
31-Dec-09 777.01 139.05 76.30p 11.0 0.9 +12% 64.44p 8.0%

Covering analysts: Citigroup Investment Research, Credit Suisse, HSBC Securities, Landsbanki Securities, Merrill Lynch, Numis Securities, Shore Capital Stockbrokers, UBS, WH Ireland

PFG Company Announcements

Publication of Half-Yearly Fi 22-Jul-2008 18:14 RNS
Blocklisting Interim Review 15-Jul-2008 17:02 RNS
Holding(s) in Company 08-Jul-2008 17:22 RNS

PFG ShareCast News

Sunday's newspaper round-up: Taylor Wimpey, WPP,... 29-Jun-2008 ShareCast
Provident Financial boosted by credit crunch 08-May-2008 ShareCast
London close: London follows Wall Street lower 04-Mar-2008 ShareCast

PFG Top Newspaper Links

Provident Financial eyeing deposit-taking 29-Jun-2008 Sunday Telegraph
Bread cost rises 05-Mar-2008 Sun
Mainstream lenders' nerves help boost Provi numb... 05-Mar-2008 The Scotsman

Latest PFG Director Deals

No deals were found in the last 28 days.

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 852.50p Price Up
Change Today +16.00p
52 Week High 958.50p
52 Week Low 700.00p
Volume 956,855
Shares Issued 131.24m
Market Cap £1,118.82m
Beta 1.23
RiskGrade 218

PFG Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
70.15% below the market average70.15% below the market average70.15% below the market average70.15% below the market average70.15% below the market average
86.21% below the sector average86.21% below the sector average86.21% below the sector average86.21% below the sector average86.21% below the sector average
Price Trend
74.48% above the market average74.48% above the market average74.48% above the market average74.48% above the market average74.48% above the market average
82.88% above the sector average82.88% above the sector average82.88% above the sector average82.88% above the sector average82.88% above the sector average
Income
66.17% above the market average66.17% above the market average66.17% above the market average66.17% above the market average66.17% above the market average
36.17% above the sector average36.17% above the sector average36.17% above the sector average36.17% above the sector average36.17% above the sector average
Growth
77.89% below the market average77.89% below the market average77.89% below the market average77.89% below the market average77.89% below the market average
88.11% below the sector average88.11% below the sector average88.11% below the sector average88.11% below the sector average88.11% below the sector average

What The Brokers Say

Strong Buy 3
Buy 3
Neutral 3
Sell 0
Strong Sell 0
Total 9
buy
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 14-May-08 31-Oct-07
Paid 20-Jun-08 28-Nov-07
Amount 38.10p 25.40p

Trades for 24-Jul-2008

Time Volume / Share Price
16:36 25,000 @ 865.27p
16:35 60,522 @ 852.50p
16:29 723 @ 855.50p
16:29 583 @ 856.00p
16:29 59 @ 856.00p

PFG Key Personnel

Chair John van Kuffeler
CEO Peter Crook
Finance Director Andrew C Fisher

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