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 £1.2 b in FY, 2016

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 (31-Oct-2017)

1.4 b

Closing share price (31-Oct-2017)


Cash (31-Mar-2017)

158.1 m
Provident Financial's current market capitalization is £1.4 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's Web-traffic and Trends

Provident Financial Online and Social Media Presence

Provident Financial Company Life and Culture

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