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Provident Financial

Current Price 222.60p Bid 217.80p Ask 222.60p Change 0.00%
Last Updated: 17/09/2024 07:14. Prices delayed by at least 15 minutes.
Call 0113 243 6941 or search for your local office

Company Overview

We're Vanquis Banking Group plc - A leading specialist bank, focused on the near prime and mid cost credit markets.The Group has been providing financial inclusion, which supports social mobility, to consumers whose needs are not well met by traditional lenders for over 140 years. We lend responsibly and provide tailored products and service propositions to 1.7 million customers throughout the UK. We're a FTSE 250 company, proud to support the 1 in 5 people in the UK who can't get access to credit products through mainstream banks and building societies. We want to provide a helping hand when others don't. That's why our aim is to continue to develop better banking products for the 10-12 million people in the UK who deserve good quality products that they can't get anywhere else.

Financial Highlights Year Ended 31/12/2023

Revenue
£488.80m
Operating Profit/Loss
£-4.40m
Dividend yield (%)
2.70
Total dividend for year
n/ap
Dividend cover
1.13
P/E Ratio
32.70
More Financials

Key Personnel

Mr Ian McLaughlin
Chief Executive Officer
Mr Dave Watts
Chief Financial Officer
Ms Melanie Barnett
Company Secretary
Mr Graham Lindsay
Independent Non-Executive Director
Mr Jackie Noakes
Independent Non-Executive Director
Mr Karen Briggs
Independent Non-Executive Director
Mr Oliver Laird
Independent Non-Executive Director
Mr Paul Hewitt
Independent Non-Executive Director
Ms Angela Ann Knight
Independent Non-Executive Director
Mr Michele Greene
Non-Executive Director
Mr Sir Peter Estlin
Non-Executive Director

Stock Details

EPIC
PFGL
ISIN
GB00B1Z4ST84
Shares in Issue
147.19m
Market cap
£327.65m

Analyst Views (1)

Strong Buy
 
0%
Buy
 
100.00%
Hold
 
0%
Sell
 
0%
Strong Sell
 
0%
This information is provided by Web Financial Group (UK) Limited. It is subject to change without notice and doesn't reflect the views held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
222.60p
Bid Price
217.80p
Ask Price
222.60p
Volume
0
Change Today
0.00p
% Change Today
0.00%
Open
222.60p
Previous Close
222.60p
Intraday High
222.60p
Intraday Low
222.60p
52 Week High
222.60p
52 Week Low
222.60p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

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Income Statement

Year End Date
31 Dec 2023
31 Dec 2022
 
£ (M)
£ (M)
Continuing Operations
Revenue
488.80
480.70
Operating Profit/Loss
-4.40
110.10
Net Interest
n/a
n/a
Pre-Tax Profit
-4.40
110.10
Profit After Tax from continuing operations
-6.00
82.30
Discontinued Operations
Profit After Tax
n/a
-4.90
Profit/Loss for the Year
-6.00
77.40
Attributable to:
Equity Holders of Parent Company
-6.00
77.40
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
n/ap
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2023
31 Dec 2022
Basic
-2.40p
30.80p
Diluted
-2.30p
30.50p
Adjusted
6.80p
38.70p
Dividend per Share
n/ap
n/ap

Assets

Year End Date
31 Dec 2023
31 Dec 2022
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
31.30
40.70
Intangible Assets
146.80
134.50
Investment Properties
n/a
n/a
Investments
n/a
n/a
Other Financial Assets
n/a
n/a
Other Non-Current Assets
n/a
n/a
Current Assets
Inventories
n/a
n/a
Trade & Other Receivables
2,227.80
1,956.00
Cash at Bank & In Hand
743.30
464.90
Current Asset Investments
n/a
n/a
Other Current Assets
8.10
n/a
Other Assets
51.40
67.20
Total Assets
3,208.70
2,663.30

Liabilities

Year End Date
31 Dec 2023
31 Dec 2022
 
£ (M)
£ (M)
Current Liabilities
Borrowings
n/a
n/a
Other Current Liabilities
n/a
n/a
Total Current Liabilities
n/a
n/a
Non-Current Liabilities
Borrowings
623.40
864.70
Provisions
5.80
5.20
Other Non-Current Liabilities
n/a
n/a
Total Non-Current Liabilities
629.20
869.90
Other Liabilities
1,996.40
1,178.70
Total Liabilities
2,625.60
2,048.60

Net Assets

Year End Date
31 Dec 2023
31 Dec 2022
 
£ (M)
£ (M)
Net Assets
583.10
614.70

Capital & Reserves

Year End Date
31 Dec 2023
31 Dec 2022
 
£ (M)
£ (M)
Share Capital
53.20
52.60
Share Premium Account
276.30
273.50
Other Reserves
290.30
290.60
Retained Earnings
-36.70
-2.00
Shareholders Funds
583.10
614.70
Minority Interests/Other Equity
n/a
n/a
Total Equity
583.10
614.70

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
Interim
11 Aug 2022
22 Sep 2022
5.00p
Interim
21 Apr 2022
20 May 2022
12.00p
Interim
15 Aug 2019
26 Sep 2019
9.00p
Final
23 May 2019
21 Jun 2019
10.00p
Final
18 May 2017
23 Jun 2017
91.40p
Final
18 May 2017
23 Jun 2017
91.40p
Interim
27 Oct 2016
25 Nov 2016
43.20p
Final
19 May 2016
24 Jun 2016
80.90p
Interim
29 Oct 2015
27 Nov 2015
39.20p

Dividend Metrics

Year End Date
31 Dec 2023
31 Dec 2022
Dividend growth
-60.78%
27.50%
Dividend yield
2.70%
7.90%
Dividend cover
1.13
2.53


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