Provident Financial

Established in 1880, Provident Financial is one of the UK’s leading suppliers of personal credit products to the non-standard lending market. We serve over 2.5 million customers through our online businesses: Satsuma and glo and through Provident, our home credit business. Take a look at our careers tab above for all the latest news and vacancies in Provident's Consumer Credit Division. With over 1000 colleagues at our Bradford head office, we have a number of specialist departments that are regularly recruiting due to business growth.

Company Growth (employees)
Bradford, GB
Size (employees)
3,261 (est)-1%
Provident Financial was founded in 1880 and is headquartered in Bradford, GB

Provident Financial Office Locations

Provident Financial has offices in Bradford, London and Liverpool
Bradford, GB (HQ)
1 Godwin St

Provident Financial Financials and Metrics

Provident Financial Financials

Provident Financial's revenue was reported to be $90.4 m in Q1, 2017

Revenue (Q1, 2017)

90.4 m

Gross profit (Q1, 2017)

79.5 m

Gross profit margin (Q1, 2017), %


Net income (Q1, 2017)

23.5 m

EBIT (Q1, 2017)

65.5 m

Market capitalization (13-Oct-2017)

1.3 b

Closing share price (13-Oct-2017)


Cash (31-Mar-2017)

158.1 m
Provident Financial's current market capitalization is £1.3 b.
GBPFY, 2013FY, 2014FY, 2015FY, 2016


1.1 b1.1 b1.1 b1.2 b

Revenue growth, %


Cost of goods sold

41.9 m43.7 m

Gross profit

1.1 b1.1 b
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


89.1 m85.1 m87 m88.6 m90.1 m90.4 m

Cost of goods sold

10.5 m10.5 m10.9 m10.9 m11.1 m10.9 m

Gross profit

78.6 m74.7 m76.1 m77.7 m79 m79.5 m

Gross profit Margin, %

GBPFY, 2013FY, 2014FY, 2015FY, 2016


119 m145.9 m153.4 m144.3 m

Accounts Receivable

100 k100 k100 k100 k


7 b

Current Assets

1.7 b1.9 b2 b2.3 b
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


104.7 m128.4 m108.1 m117.5 m159.7 m158.1 m


6.3 b6.4 b6.6 b6.8 b6.9 b7 b

Total Assets

8.8 b8.9 b9 b9.2 b9.4 b9.5 b

Accounts Payable

5.8 b5.8 b6.2 b6.2 b6.5 b6.5 b
GBPFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

70.5 m73.6 m83.7 m87.8 m

Depreciation and Amortization

4.1 m3.4 m

Accounts Receivable

23 m25.2 m

Cash From Operating Activities

74.2 m104.3 m81.5 m127.3 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

16.4 m19 m19.8 m41.6 m62.2 m21 m42.3 m65.2 m23.5 m

Depreciation and Amortization

1.1 m1 m1 m856 k767 k752 k

Accounts Receivable

25.6 m24.2 m24.5 m289 k

Cash From Operating Activities

52.1 m85.9 m27.8 m57 m84.5 m24.4 m
USDY, 2017


27.3 k

Financial Leverage

7.5 x
Show all financial metrics

Provident Financial Operating Metrics

Provident Financial's Customers was reported to be 2.5 m in H1, 2017
H1, 2014FY, 2014H1, 2015FY, 2015H1, 2016FY, 2016H1, 2017


2.5 m2.4 m2.4 m2.4 m2.4 m2.4 m2.5 m

Customers (Vanquis Bank)

1.18 m1.29 k1.36 m1.42 m1.45 m1.55 m1.65 m

Customers (CCD)

1.25 m1.07 m1.01 m948 k875 k862 k801 k

Customers (Moneybarn)

18 k22 k26 k31 k36 k41 k46 k
Show all operating metrics

Provident Financial Market Value History

Provident Financial Revenue Breakdown

Provident Financial Job Categories

Traffic Overview of Provident Financial

Provident Financial Online and Social Media Presence

Provident Financial Company Life and Culture

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