Provident Financial PLC
LSE:PFG
Intrinsic Value
Provident Financial Plc engages in the business of supplying personal credit products. [ Read More ]
The intrinsic value of one
PFG
stock under the Base Case scenario is
917.42
GBX.
Compared to the current market price of 225 GBX,
Provident Financial PLC
is
Undervalued by 75%.
PFG could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Provident Financial PLC's market capitalization is 571.3m GBX.
PFG stock price is 225 GBX.
PFG stock price (225 GBX) is 75% less than its Intrinsic Value (917.42 GBX).
PFG has upside potential of 60% compared to the average analyst price target.
Open Wall St Estimates
PFG's Revenue has dropped by 0% over the past 12 months.
PFG's ROE (Return on Equity) for the past 12 months is positive and is equal to 13%.
PFG's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 6%.
PFG's long-term assets (3B GBP) exceed its long-term liabilties (2B GBP).
PFG has positive Operating Income for the last twelve months.
PFG has a very low three-year average ROE (Return on Equity): 4%. The company is not efficient at transforming stockholders' equity into net income.
PFG has positive Net Income for the last twelve months.
PFG has positive Gross Profit for the last twelve months.
PFG has a very low three-year average ROIC (Return on Invested Capital): 2%. The company is not efficient at using invested capital to generate operating income.
PFG has negative Free Cash Flow for the last twelve months.
PFG has positive Net Debt. This means that the company has more debt (2B GBP) than cash and short-term investments (447m GBP).
PFG's D/E (Debt to Equity) is very high and is equal to 3.2.
PFG's short-term assets (529m GBP) exceed its short-term liabilties (64m GBP).
PFG's Altman Z-Score is very low and is equal to 0.69.
PFG generates enough operating income (164m GBP) to cover interest payments on its debt (47m GBP).
Valuation Backtest
Provident Financial PLC
Run backtest to discover the historical profit from buying and selling
PFG
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Provident Financial PLC
Balance Sheet Decomposition
Provident Financial PLC
| Current Assets | 515.5m |
| Cash & Short-Term Investments | 464.9m |
| Receivables | 50.6m |
| Non-Current Assets | 2.1B |
| Long-Term Investments | 10.7m |
| PP&E | 40.7m |
| Intangibles | 134.5m |
| Other Non-Current Assets | 2B |
| Current Liabilities | 62.8m |
| Accounts Payable | 62.8m |
| Non-Current Liabilities | 2B |
| Long-Term Debt | 2B |
| Other Non-Current Liabilities | 20.5m |
Earnings Waterfall
Provident Financial PLC
|
Revenue
|
533.9m
GBP
|
|
Cost of Revenue
|
-2.8m
GBP
|
|
Gross Profit
|
531.1m
GBP
|
|
Operating Expenses
|
-367.5m
GBP
|
|
Operating Income
|
163.6m
GBP
|
|
Other Expenses
|
-86.2m
GBP
|
|
Net Income
|
77.4m
GBP
|
Free Cash Flow Analysis
Provident Financial PLC
What is Free Cash Flow?
PFG Profitability Score
Profitability Due Diligence
Provident Financial PLC's profitability score is 50/100. The higher the profitability score, the more profitable the company is.
Score
Provident Financial PLC's profitability score is 50/100. The higher the profitability score, the more profitable the company is.
PFG Solvency Score
Solvency Due Diligence
Provident Financial PLC's solvency score is 33/100. The higher the solvency score, the more solvent the company is.
Score
Provident Financial PLC's solvency score is 33/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
PFG Price Targets Summary
Provident Financial PLC
According to Wall Street analysts, the average 1-year price target for
PFG
is 359 GBX
.
Shareholder Return
PFG Price
Provident Financial PLC
| Average Annual Return | -4.61% |
| Standard Deviation of Annual Returns | 24.5% |
| Max Drawdown | -69% |
| Market Capitalization | 571.3m GBX |
| Shares Outstanding | 253 860 992 |
| Percentage of Shares Shorted | 50% |
Company Profile
Provident Financial PLC
Country
Industry
Market Cap
Dividend Yield
Description
Provident Financial Plc engages in the business of supplying personal credit products. The company is headquartered in Bradford, West Yorkshire and currently employs 1,807 full-time employees. The Bank is focused on underserved market. The company focuses on providing customers with credit products appropriate for their circumstances. The Bank's segments comprise of credit cards and personal loans (Vanquis Bank) and vehicle finance (Moneybarn). PFG provides the needs of its customers through three products: credit cards, vehicle finance and unsecured personal loans. The credit card business offers credit cards, over a range of price points, and retail deposits. The vehicle finance business offers secured finance on a range of vehicle types, including cars, motorbikes and light commercial vehicles. The personal loans business offers unsecured loans of between £1k and £5k over one to four years.
Contact
IPO
Employees
Officers
The intrinsic value of one
PFG
stock under the Base Case scenario is
917.42
GBX.
Compared to the current market price of 225 GBX,
Provident Financial PLC
is
Undervalued by 75%.
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