Provident Financial (OTCMKTS: FPLPY) is one of 16 publicly-traded companies in the “Personal credit institutions” industry, but how does it weigh in compared to its rivals? We will compare Provident Financial to related companies based on the strength of its earnings, institutional ownership, valuation, risk, analyst recommendations, dividends and 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 Competitors||23.95%||40.82%||4.05%|
Provident Financial has a beta of 1.63, suggesting that its stock price is 63% more volatile than the S&P 500. Comparatively, Provident Financial’s rivals have a beta of 1.37, suggesting that their average stock price is 37% more volatile than the S&P 500.
This is a summary of current ratings and recommmendations for Provident Financial and its rivals, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Provident Financial Competitors||195||876||1095||66||2.46|
As a group, “Personal credit institutions” companies have a potential downside of 21.68%. Given Provident Financial’s rivals stronger consensus rating and higher possible upside, analysts clearly believe Provident Financial has less favorable growth aspects than its rivals.
Insider and Institutional 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 endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares Provident Financial and its rivals revenue, earnings per share 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||13.08|
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.
Provident Financial rivals beat Provident Financial on 12 of the 13 factors compared.
Provident Financial Company Profile
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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