Provident Financial (FPLPY) and Its Competitors Head-To-Head Contrast

Provident Financial (OTCMKTS: FPLPY) is one of 16 publicly-traded companies in the “Personal credit institutions” industry, but how does it compare to its rivals? We will compare Provident Financial to similar businesses based on the strength of its valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Analyst Recommendations

This is a summary of current ratings and target prices for Provident Financial and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Provident Financial 1 1 1 0 2.00
Provident Financial Competitors 195 876 1095 66 2.46

As a group, “Personal credit institutions” companies have a potential downside of 22.60%. Given Provident Financial’s rivals stronger consensus rating and higher probable upside, analysts clearly believe Provident Financial has less favorable growth aspects than its rivals.

Institutional & Insider Ownership

63.3% of shares of all “Personal credit institutions” companies are owned by institutional investors. 17.7% of shares of all “Personal credit institutions” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Provident Financial and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Provident Financial $1.04 billion -$107.09 million -28.57
Provident Financial Competitors $2.39 billion $311.18 million 13.48

Provident Financial’s rivals have higher revenue and earnings than Provident Financial. Provident Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Risk & Volatility

Provident Financial has a beta of 1.63, indicating that its stock price is 63% more volatile than the S&P 500. Comparatively, Provident Financial’s rivals have a beta of 1.37, indicating that their average stock price is 37% more volatile than the S&P 500.

Profitability

This table compares Provident Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Provident Financial N/A N/A N/A
Provident Financial Competitors 23.95% 40.82% 4.05%

Summary

Provident Financial rivals beat Provident Financial on 12 of the 13 factors compared.

About Provident Financial

Provident Financial Plc engages in the business of supplying personal credit products. It operates through four segments: Vanquis Bank, Consumer Credit Division, Moneybarn and Central. The Vanquis Bank segment issues credit cards to people who are often declined by mainstream card providers. The Consumer Credit division segment offers home credit loans; online lending; and operates as loan guarantor. The Moneybarn segment includes non-standard vehicle finance. The company was founded by Joshua Kelley Waddilove in 1880 and is headquartered in Bradford, United Kingdom.

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