Provident Financial (PFG)

Sector:

Financials

Index:

FTSE 250

210.40p
   
  • Change Today:
      8.40p
  • 52 Week High: 381.60
  • 52 Week Low: 200.80
  • Currency: UK Pounds
  • Shares Issued: 253.78m
  • Volume: 306,974
  • Market Cap: £533.95m
  • RiskGrade: 247

Dividend Data

  31-Dec-2131-Dec-2031-Dec-1931-Dec-1831-Dec-17
Total Dividend12.00pn/a9.00p10.00pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-21 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17
Continuing Operations          
Revenue 534.60 807.80 996.10 1,091.40 1,196.30
Operating Profit/(Loss) 195.20 (43.90) 191.00 189.00 (46.00)
Net Interest (53.00) (69.60) (72.00) (91.70) (77.00)
Profit Before Tax 142.20 (113.50) 119.00 97.30 (123.00)
Profit After Tax 134.60 (83.40) 76.40 65.30 (134.40)
Discontinued Operations          
Profit After Tax (166.70) n/a n/a n/a n/a
PROFIT FOR THE PERIOD (32.10) (83.40) 76.40 65.30 (134.40)
Attributable to:          
Equity Holders of Parent Company (32.10) (83.40) 76.40 65.30 (134.40)
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic (12.80p) (32.90p) 30.10p 27.30p (48.58p)
Earnings per Share - Diluted (12.80p) (32.90p) 29.90p 27.20p (48.58p)
Earnings per Share - Adjusted 57.50p (11.00p) 44.10p 48.70p 26.93p
Continuing and Discontinued EPS          
Earnings per Share - Basic (12.80p) (32.90p) 30.10p 27.30p (48.58p)
Earnings per Share - Diluted (12.80p) (32.90p) 29.90p 27.20p (48.58p)
Earnings per Share - Adjusted 57.50p (11.00p) 44.10p 48.70p 26.93p
           
Dividend per Share 12.00p n/a 9.00p 10.00p n/a
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-21 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17
Assets          
Non-Current Assets          
Property, Plant & Equipment 56.30 73.50 86.40 24.60 30.90
Intangible Assets 123.50 116.50 115.30 126.20 150.60
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Other Non-Current Assets n/a 123.70 103.00 481.70 430.50
  179.80 313.70 304.70 632.50 612.00
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 1,696.50 1,835.50 2,232.90 1,869.00 2,025.20
Cash at Bank & in Hand 717.70 919.70 353.60 387.90 282.90
Current Asset Investments n/a 9.20 16.60 47.80 45.80
Other Current Assets n/a n/a n/a n/a n/a
  2,414.20 2,764.40 2,603.10 2,304.70 2,353.90
           
Other Assets 131.30 n/a n/a n/a n/a
Total Assets 2,725.30 3,078.10 2,907.80 2,937.20 2,965.90
           
Liabilities          
Current Liabilities          
Borrowings n/a n/a n/a 389.10 388.90
Other Current Liabilities 3.80 0.60 32.90 169.60 217.50
  3.80 0.60 32.90 558.70 606.40
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 904.10 589.40 696.60 1,666.40 1,804.10
Provisions 72.10 91.00 14.50 n/a 20.30
Other Non-Current Liabilities n/a 1,749.40 1,434.50 n/a n/a
  976.20 2,429.80 2,145.60 1,666.40 1,824.40
           
Other Liabilities 1,114.10 n/a n/a n/a n/a
Total Liabilities 2,094.10 2,430.40 2,178.50 2,225.10 2,430.80
           
Net Assets 631.20 647.70 729.30 712.10 535.10
           
Capital & Reserves          
Share Capital 52.60 52.60 52.50 52.50 30.70
Share Premium Account 273.30 273.20 273.20 273.20 273.00
Other Reserves 288.00 292.80 295.90 292.10 13.40
Retained Earnings 17.30 29.10 107.70 94.30 218.00
Shareholders Funds 631.20 647.70 729.30 712.10 535.10
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 631.20 647.70 729.30 712.10 535.10
Cash Flow 31-Dec-21 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17
Net Cash Flow From Operating Activities 163.10 363.90 100.30 (39.70) (56.70)
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (22.30) (21.50) 24.40 (11.20) (66.90)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (345.00) 225.10 (154.80) 152.00 184.80
Net Increase/Decrease In Cash (204.20) 567.50 (30.10) 101.10 61.20
Ratios - based on IFRS 31-Dec-21 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17
Continuing Operations          
PE Ratio - Adjusted 6.2 n/a 10.4 11.8 24.4
PEG - Adjusted n/a n/a n/a 0.1 n/a
Earnings per Share Growth - Adjusted n/a n/a -9% 81% -79%
Dividend Cover 4.79 n/a 4.90 4.87 n/a
Revenue per Share 2.13p 318.53p 393.09p 455.70p 471.40p
Pre-Tax Profit per Share 0.57p (44.76p) 46.96p 40.63p (48.47p)
Operating Margin 36.51% (5.43%) 19.17% 17.32% (3.85%)
Return on Capital Employed 0.13% n/a 14.41% 7.16% n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 618.9 n/a 10.4 11.8 24.4
PEG - Adjusted n/a n/a n/a 0.1 n/a
Earnings per Share Growth - Adjusted n/a n/a -9% 81% -79%
Dividend Cover 0.05 n/a 4.90 4.87 n/a
           
Dividend Yield 3.3% 0.0% 2.0% 1.7% 0.0%
Dividend per Share Growth n/a n/a (10.00%) n/a n/a
Operating Cash Flow per Share 64.27p 143.49p 39.58p (16.58p) (22.34p)
Cash Incr/Decr per Share (0.81p) 223.78p (11.88p) 42.21p 24.12p
Net Asset Value per Share (exc. Intangibles) 200.06p 209.46p 242.31p 244.63p 151.51p
Net Gearing 29.53% -51.00% 47.03% 234.18% 356.96%

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

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: Forecast figures based on normalised accounts.

 

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