How to buy Provident Financial shares

Own Provident Financial shares in just a few minutes. Share price changes are updated daily.

Fact checked

Provident Financial plc (PFG) is a leading credit services business based in the UK. Provident Financial is listed on the London Stock Exchange (LSE) and employs 4,854 staff. All prices are listed in pence sterling.

How to buy shares in Provident Financial

  1. Choose a platform. If you're a beginner, our share-dealing table below can help you choose.
  2. Open your account. You'll need your ID, bank details and national insurance number.
  3. Confirm your payment details. You'll need to fund your account with a bank transfer, debit card or credit card.
  4. Search the platform for stock code: PFG in this case.
  5. Research Provident Financial shares. The platform should provide the latest information available.
  6. Buy your Provident Financial shares. It's that simple.
The whole process can take as little as 15 minutes.

Provident Financial share price

Use our graph to track the performance of PFG stocks over time.

Provident Financial shares at a glance

Information last updated 2021-01-23.
52-week range126.0649p - 450.0881p
50-day moving average 293.9471p
200-day moving average 235.5535p
Wall St. target price730.2p
PE ratio 17.1528
Dividend yield 0.25p (12.46%)
Earnings per share (TTM) 14.4p
Promoted
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Invest in Provident Financial shares with 0% commission

Other fees may apply. Your capital is at risk.

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Share dealing platform comparison

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Your first 100 trades are free with Fineco, T&Cs apply.
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
Degiro Share Dealing
£1.75 + 0.022% (max £5.00)
£1.75 + 0.022% (max £5.00)
Portfolio transfer fees (in & out)
Degiro is widely seen as one of the best low-cost share brokers, for people who are looking to trade regularly. Capital at risk.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Open an ISA, Trading Account or SIPP you will get £100 of free trades to buy or sell any investment (new customers only).
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Moneyfarm helps you meet your investment goals with fully-managed portfolios designed around you. Capital at risk.
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Legal & General stocks and shares ISA
Legal & General stocks and shares ISA
£100 or £20 a month
0.61%
N/A
Legal & General is a big financial services company which offers insurance, lifetime mortgage, pensions and stocks and shares ISAs. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
Penfold
Penfold
No minimum
4 portfolios
0.75-0.88%
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

Is it a good time to buy Provident Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Is Provident Financial under- or over-valued?

Valuing Provident Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Provident Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Provident Financial's P/E ratio

Provident Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 17x. In other words, Provident Financial shares trade at around 17x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the FTSE 250 at the end of September 2019 (19.71). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Provident Financial financials

Revenue TTM £459.6 million
Operating margin TTM 18.39%
Gross profit TTM £155.1 million
Return on assets TTM 1.16%
Return on equity TTM 5.15%
Profit margin 7.99%
Book value 2.95p
Market capitalisation £626.4 million

TTM: trailing 12 months

Provident Financial share dividends

Dividend payout ratio: 10000% of net profits

Recently Provident Financial has paid out, on average, around 10000% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 12.46% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Provident Financial shareholders could enjoy a 12.46% return on their shares, in the form of dividend payments. In Provident Financial's case, that would currently equate to about 0.25p per share.

Provident Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

The latest dividend was paid out to all shareholders who bought their shares by 2 April 2020 (the "ex-dividend date").

Have Provident Financial's shares ever split?

Provident Financial's shares were split on a 1:2 basis on 16 July 2007. So if you had owned 2 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your Provident Financial shares – just the quantity. However, indirectly, the new 100% higher share price could have impacted the market appetite for Provident Financial shares which in turn could have impacted Provident Financial's share price.

Provident Financial share price volatility

Over the last 12 months, Provident Financial's shares have ranged in value from as little as 126.0649p up to 450.0881p. A popular way to gauge a stock's volatility is its "beta".

PFG.LSE volatility(beta: 1.22)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (LSE average) beta is 1, while Provident Financial's is 1.2176. This would suggest that Provident Financial's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

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Provident Financial overview

Provident Financial plc provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company operates through Vanquis Bank, Moneybarn, and Consumer Credit Division segments. The company offers credit cards products, unsecured personal loans, and savings products. It also provides secured motor finance on various asset classes, including cars, motorbikes, and light commercial vehicles. In addition, the company offers unsecured personal loans through Provident home credit and Satsuma online loans. It serves 2.3 million customers through its network of branches, call centers, and Websites. The company was founded in 1880 and is headquartered in Bradford, the United Kingdom.

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