Valuation: Provident Financial

Market Cap 17Cr 23Cr 20Cr 19Cr 32Cr 2.19TCr 32Cr 226.53Cr 89Cr 1.11TCr 85Cr 83Cr 3.58TCr P/E 2026 *
14.4x
P/E 2027 * 4.59x
Enterprise Value 17Cr 23Cr 20Cr 19Cr 32Cr 2.19TCr 32Cr 226.53Cr 89Cr 1.11TCr 85Cr 83Cr 3.58TCr EV / Sales 2026 *
0.35x
EV / Sales 2027 * 0.33x
Free-Float
88.93%
Yield 2026 *
1.46%
Yield 2027 * 5.52%
Manager TitleAgeSince
Chief Executive Officer 60 01/08/2023
Director of Finance/CFO 60 01/11/2023
Chief Operating Officer - -
Director TitleAgeSince
Director/Board Member 68 01/04/2019
Director/Board Member 60 09/03/2023
Chairman 65 15/09/2023
Change 5-day change 1-year change 3-year change Capi.($)
-.--%-.--% - - 23Cr
-0.10%+0.05%-7.23%+103.76% 21TCr
+0.05%+1.47%-8.32%+109.44% 12TCr
-1.29%-0.61%-29.73%+44.08% 3.24TCr
-1.74%-1.06%-15.74%+5.61% 2.88TCr
-1.36%-4.99%+40.20%+156.62% 2.3TCr
-0.32%+1.35%+1.45%+145.33% 2.34TCr
-0.63%-0.38%-44.35%+95.99% 2.02TCr
-0.68%-3.39%-4.27%+28.02% 1.39TCr
-0.66%-0.66%-6.39%+48.06% 1.13TCr
Average -0.59%-0.52%-8.26%+81.88% 5.32TCr
Weighted average by Cap. -0.33%+0.16%-8.30%+95.98%

Financials

2026 *2027 *
Net sales 48Cr 64Cr 57Cr 53Cr 91Cr 6.16TCr 92Cr 638.25Cr 249.35Cr 3.13TCr 239.2Cr 234.02Cr 10TCr 52Cr 68Cr 61Cr 57Cr 97Cr 6.59TCr 98Cr 682.48Cr 266.63Cr 3.35TCr 255.77Cr 250.24Cr 11TCr
Net income 1.5Cr 1.98Cr 1.77Cr 1.65Cr 2.83Cr 191.64Cr 2.85Cr 20Cr 7.75Cr 97Cr 7.44Cr 7.28Cr 313.31Cr 4.02Cr 5.31Cr 4.75Cr 4.43Cr 7.58Cr 514.01Cr 7.63Cr 53Cr 21Cr 261.41Cr 20Cr 20Cr 840.36Cr
Net Debt - -
Projected Income Statement - Annual - Provident Financial
Logo Provident Financial
Vanquis Banking Group plc is a United Kingdom-based specialist bank. The Company supports its target customers with differentiated credit, savings and money management solutions, with lending predominantly funded by retail deposits. The Company's brands include Vanquis, Moneybarn, and Snoop. Through Vanquis, the Company offers a range of credit cards, unsecured personal loans, and savings products. It provides customers with credit cards, tailored to suit their needs, with a range of APRs and credit limits. Through Moneybarn, it offers secured vehicle finance on a range of asset classes, new and used, including cars, motorbikes and light commercial vehicles. Snoop's platform combines both data-driven, personalized insights (or Snoops) to help consumers find their money-saving opportunities, and a free credit scoring service. Snoop uses artificial intelligence (AI) and open banking data to help people save on household bills and targets savings of up to £1,500 per year for customers.
Employees
-
Trader
Investor
-
Global
-
Quality
ESG MSCI
AA
Ratings Surperformance© - Provident Financial
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
0.6840GBP
Average target price
1.375GBP
Spread / Average Target
+101.02%

Annual profits - Rate of surprise

Rate of surprise - EPS - Annual - Provident Financial