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.
|52-week range||126.0649p - 450.0881p|
|50-day moving average||293.9471p|
|200-day moving average||235.5535p|
|Wall St. target price||730.2p|
|Dividend yield||0.25p (12.46%)|
|Earnings per share (TTM)||14.4p|
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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 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.
|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%|
|Market capitalisation||£626.4 million|
TTM: trailing 12 months
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").
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.
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".
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).
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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