Provident Financial (FPLPY) vs. The Competition Head-To-Head Review

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 similar businesses based on the strength of its profitability, earnings, institutional ownership, risk, dividends, valuation and analyst recommendations.

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 13.08

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.

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%

Institutional and Insider Ownership

63.3% of shares of all “Personal credit institutions” companies are held by institutional investors. 17.7% of shares of all “Personal credit institutions” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

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.

Analyst Ratings

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

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 21.68%. Given Provident Financial’s rivals stronger consensus rating and higher possible upside, analysts plainly believe Provident Financial has less favorable growth aspects than its rivals.

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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