Provident Financial PLC (PFG) is a publicly traded credit services business based in the UK. It opened the day at 244.181p after a previous close of 241.8p. During the day the price has varied from a low of 241p to a high of 244.181p. The latest price was 242p (25 minute delay). Provident Financial is listed on the London Stock Exchange (LSE) and employs 2,535 staff. All prices are listed in pence sterling.
How to buy shares in Provident Financial
Choose a platform.If you're a beginner, our share-dealing table below can help you choose.
Open your account.You'll need your ID, bank details and national insurance number.
Confirm your payment details.You'll need to fund your account with a bank transfer, debit card or credit card.
Search the platform for stock code:PFG in this case.
Research Provident Financial shares.The platform should provide the latest information available.
Buy your Provident Financial shares.It's that simple.
The whole process can take as little as 15 minutes. You'll need a smartphone or computer, an internet connection, your passport or driving licence and a means of payment.
Our top picks for where to buy Provident Financial shares:
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To choose the best investment app for each category, our experts analysed 83 different metrics for the investment platforms we've reviewed on our site. We've hand-picked the metrics we think are important for each category to help us find the best in 17 categories among our high-scoring partners. There are also "promoted" picks on some pages. They're based on factors that include special features or offers and the commission we receive. It's important to compare the full range of platforms available and keep in mind our picks may not always be the best fit for you.
Fees for buying 100x Provident Financial shares with popular platforms
Share prices fluctuate in real time, so the costs presented here should be considered as a guide only. They do not incorporate stamp duty. Always refer to the platform itself for availability and pricing – which may differ from our information.
These providers cover a wide range of stocks, but we can't guarantee they'll all offer this stock.
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.
Alternative ways to invest in Provident Financial
Buying shares in just one company can leave you more exposed to unexpected swings in the market than if you have a range of investments - a "diversified portfolio". Experts generally recommend having a broad mix of assets and funds that hold a ready-made portfolio of at least 50 different companies' shares, on the basis that drops in the value of some will be offset by rises elsewhere.
Provident Financial is a major part of the LSE index, so it's included in many global funds and investment trusts, as well as tracker-style exchange traded funds (ETFs).
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?
Only you can make the decision on the time to leap. The gauge below shows real-time ratings that are based on 26 popular indicators such as moving averages, for specific time periods. It's not a recommendation but is simply technical analysis that can form part of your research.
Finder might not agree with the analysis and we take no responsibility. We also give no representations or warranty on the accuracy or completeness of the information provided on this page.
Use our graph to track the performance of PFG stocks over time.
Share price volatility
Over the last 12 months, Provident Financial's shares have ranged in value from as little as 130p up to 250.0407p. 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 1.4975. This would suggest that Provident Financial's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Historical closes compared with the last close of 242p
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 Provident Financial under- or over-valued?
Valuing a stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of overall performance. However, analysts commonly use some key metrics to help gauge value. Check out the Provident Financial P/E ratio, PEG ratio and EBITDA
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 5x. In other words, Provident Financial shares trade at around 5x 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.
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Forward annual dividend yield: 7.62% of stock value
Dividend payout ratio: 40.75% of net profits
Provident Financial has recently paid out dividends equivalent to 7.62% of its share value annually.
Provident Financial has paid out, on average, around 40.75% of recent net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 7.62% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), shareholders could enjoy a 7.62% return on their shares, in the form of dividend payments. In Provident Financial's case, that would currently equate to about 17p per share.
While Provident Financial's payout ratio might seem fairly standard, it's worth remembering that it may be investing much of the rest of its net profits in future growth.
The latest dividend was paid out to all shareholders who bought their shares by 11 August 2022 (the "ex-dividend date").
Dividend
Type
Ex-dividend date
Payment date
£0.16
Final
02/04/2020
22/05/2020
£0.09
Interim
15/08/2019
26/09/2019
£0.1
Final
23/05/2019
21/06/2019
£0.914
Final
18/05/2017
23/06/2017
£0.432
Interim
27/10/2016
25/11/2016
£0.809
Final
19/05/2016
24/06/2016
£0.392
Interim
29/10/2015
27/11/2015
£0.639
Final
21/05/2015
19/06/2015
£0.341
Interim
29/10/2014
28/11/2014
£0.54
Final
21/05/2014
20/06/2014
£0.31
Interim
30/10/2013
29/11/2013
£0.484
Final
22/05/2013
21/06/2013
£0.288
Interim
31/10/2012
30/11/2012
£0.423
Final
16/05/2012
21/06/2012
£0.267
Interim
02/11/2011
30/11/2011
£0.381
Final
11/05/2011
21/06/2011
£0.254
Interim
03/11/2010
30/11/2010
£0.381
Final
03/05/2010
21/06/2010
£0.254
Interim
04/11/2009
30/11/2009
£0.381
Final
13/05/2009
19/06/2009
£0.254
Interim
30/10/2008
28/11/2008
£0.381
Final
14/05/2008
20/06/2008
£0.1448
Interim
30/10/2007
28/11/2007
£0.2202
Final
04/04/2007
25/05/2007
£0.1448
Interim
20/09/2006
20/10/2006
£0.2137
Final
05/04/2006
26/05/2006
£0.1406
Interim
21/09/2005
14/10/2005
£0.2075
Final
13/04/2005
03/06/2005
£0.1365
Interim
15/09/2004
15/10/2004
£0.199
Final
07/04/2004
14/05/2004
£0.131
Interim
17/09/2003
17/10/2003
£0.1844
Final
09/04/2003
09/05/2003
£0.1246
Interim
18/09/2002
18/10/2002
£0.176
Final
17/04/2002
10/05/2002
£0.1175
Interim
19/09/2001
19/10/2001
£0.164
Final
11/04/2001
09/05/2001
£0.109
Interim
18/09/2000
20/10/2000
£0.149
Final
03/04/2000
05/05/2000
£0.099
Interim
20/09/1999
20/10/1999
£0.136
Final
29/03/1999
07/05/1999
£0.35
Special
27/04/1998
01/05/1998
£0.089
Interim
21/09/1998
21/10/1998
£0.1175
Final
09/03/1998
29/04/1998
Currently 2.56% of Provident Financial shares are held by insiders and 83.953% by institutions.
Latest data suggests 2,535 work at Provident Financial.
Provident Financial's fiscal year ends in December.
Provident Financial's address is: No. 1 Godwin Street, Bradford, United Kingdom, BD1 2SU
Provident Financial's international securities identification number is: GB00B1Z4ST84
It's as easy to sell Provident Financial as it is to buy! Here's how to sell Provident Financial that you already own.
Open your investment app. If you've got one with desktop access, you can log in online
Go to your portfolio. This should be in the main menu
Find your shares. You may be able to search your portfolio
Choose how many you'd like to sell. You'll be able to review the price and see how much you'll receive
Sell your Provident Financial shares. Your investment platform will let you know when your shares are sold
Most share dealing providers in the UK will let you use your debit card to top up your account and buy shares. The main ways are with a debit card, bank transfer or with Apple/Google Pay.
The easiest way to get hold of some Provident Financial shares is to sign up for a share trading app and place a market order or basic order. This type of order tells the platform that you're interested, so it'll try to execute it as quickly as it can. It could take some time for the order to go through, especially if there's a lot of volatility in Provident Financial shares.
If you're investing in a US stock, you'll need to complete a W8-BEN form to minimise your tax liability. Whether these are automatically handled for you depends on your broker, so it would be a good idea to check with them directly.
Financials
Revenue TTM
£446.5 million
Operating margin TTM
33.66%
Gross profit TTM
£160.3 million
Return on assets TTM
4.14%
Return on equity TTM
17.19%
Profit margin
8.73%
Book value
2.397p
Market capitalisation
£571.2 million
TTM: trailing 12 months
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.
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