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.

Bradford, GB
Size (employees)
3,310 (est)
Provident Financial was founded in 1880 and is headquartered in Bradford, GB

Provident Financial Office Locations

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

Provident Financial Data and Metrics

Provident Financial Financial Metrics

Provident Financial's revenue was reported to be $357.7 m in FY, 2016 which is a 68% decrease from the previous period.
$, USD

Revenue (FY, 2016)

357.7 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

314 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

87.8 m

EBIT (FY, 2016)

253.2 m

Market capitalization (22-Jun-2017)

3.6 b

Closing share price (22-Jun-2017)


Cash (31-Dec-2016)

144.3 m
Provident Financial's current market capitalization is £3.6 b.
£, GBPFY, 2013FY, 2014FY, 2015FY, 2016


1.1 b1.1 b1.1 b357.7 m

Revenue growth, %


Cost of goods sold

41.9 m43.7 m

Gross profit

1.1 b314 m

Gross profit Margin, %



245.5 m253.2 m

EBIT margin, %


Pre tax profit

182.4 m224.6 m120.2 m124.8 m

Net Income

141 m175.6 m83.7 m87.8 m
£, GBPFY, 2013FY, 2014FY, 2015FY, 2016


119 m145.9 m153.4 m144.3 m

Accounts Receivable

100 k100 k100 k27.1 m

Current Assets

1.7 b1.9 b2 b


135.2 m239 m309.8 m


8.1 m155.5 m156.4 m

Total Assets

1.8 b2.3 b2.5 b9.5 b

Accounts Payable

4.5 m3.3 m2.1 m

Current Liabilities

223.3 m270 m402.2 m

Additional Paid-in Capital

1 b1 b

Retained Earnings

32.6 m52.2 m69.3 m550.8 m

Total Equity

416.8 m613 m707.7 m1.3 b

Financial Leverage

4.3 x3.7 x3.5 x7.6 x
£, 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

Purchases of PP&E

(95.3 m)(28.6 m)

Cash From Investing Activities

(408.7 m)(580.8 m)

Cash From Financing Activities

(25.4 m)59.4 m(57.3 m)495.6 m

Income Taxes Paid

(41.4 m)(49 m)(55.4 m)33.9 m
$, USDY, 2016


376.1 k

Financial Leverage

7.6 x

Provident Financial Market Value History

Provident Financial Job Categories

Provident Financial Online and Social Media Presence

Provident Financial News and Updates

Provident Financial Company Life and Culture

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