43.05p
-4.12%
Close of 9 Nov 2026, in pence
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About Vanquis Banking Group
Its shares trade on LSE under the ticker VANQ.L. It has been listed since 16 March 1962. In the fiscal year to 31 December 2025, it reported revenue before interest expense of £605.7m and net income of £8.7m. At that date it held total assets of £3.94bn and shareholders' equity of £487.3m.
Provident Financial Plc engages in the business of supplying personal credit products. The company is headquartered in Bradford, West Yorkshire. The firm's divisions include Vanquis Bank Limited (Vanquis Bank), Consumer Credit Division (CCD) and Moneybarn. Its segments include Vanquis Bank, CCD, Moneybarn and Central. The firm serves non-standard credit customers with a range of products from credit cards and car finance, to home credit and online unsecured, and guarantor loans. Vanquis Bank is engaged in the provision of credit cards. CCD is engaged in home credit business in the United Kingdom and Ireland. CCD includes Provident, which offers home credit loans; Satsuma, which is an online instalment loan product, and glo, which is a guarantor loans product. Moneybarn is engaged in the provision of vehicle finance. Its subsidiaries within CCD are Provident Financial Management Services Limited, Provident Personal Credit Limited and Greenwood Personal Credit Limited. Its Central segment includes its subsidiary, Central Provident Investments plc.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 16 Mar 1962
- Employees
- 5,708
- Website
- providentfinancial.com ↗
Leadership
Pay as last reported
- Sir Peter EstlinNon-Executive Chairman of the Board£276,000
- Mr. Ian MclaughlinChief Executive Officer, Executive Director, since 2023£910,000
- Mr. David WattsChief Financial Officer, Executive Director, since 2023£616,000
- Mr. Michael MustardGeneral Counsel, Company Secretary
- Ms. Karen BriggsIndependent Non-Executive Director£61,000
- Ms. Michele GreeneSenior Independent Non-Executive Director£75,000
- Mr. Oliver LairdIndependent Non-Executive Director£61,000
- Mr. Graham LindsayIndependent Non-Executive Director£95,000
- Ms. Jackie NoakesIndependent Non-Executive Director£57,000
- Mr. James CranstounGroup Head of Investor Relations, since 2024
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 62
- Environment
- 36
- Social
- 74
- Governance
- 75
- Direct emissions (scope 1)
- 112 t
- Energy emissions (scope 2)
- 389 t
- Value chain emissions (scope 3)
- 288,211 t
- Women in the workforce
- 46%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Reputation: Provident Financial PLC has built a strong and trusted brand over its many years in the financial industry.
- Diverse Product Portfolio: The company offers a wide range of financial products and services, catering to various customer needs.
- Strong Customer Base: Provident Financial PLC has a large and loyal customer base, providing a consistent source of revenue.
Weaknesses
- Regulatory Compliance: The financial industry is subject to strict regulations and compliance requirements, which may pose challenges for Provident Financial PLC.
- High Dependence on Traditional Channels: The company's reliance on traditional brick-and-mortar branches for customer acquisition and service may limit growth potential in the digital era.
- Limited International Presence: Provident Financial PLC primarily operates in the UK, which may hinder opportunities for expansion in international markets.
Opportunities
- Growing Demand for Online Services: The increasing popularity of online banking and lending presents opportunities for Provident Financial PLC to expand its digital presence and attract tech-savvy customers.
- Strategic Partnerships: Collaborating with fintech companies or other financial institutions can enable Provident Financial PLC to leverage innovative technologies and broaden its product offerings.
- Rising Financial Inclusion Initiatives: The focus on promoting financial inclusion creates opportunities for Provident Financial PLC to reach underserved segments of the population and expand its customer base.
Threats
- Increasing Competition: The financial industry is highly competitive, with both traditional banks and fintech startups vying for market share and customer loyalty.
- Economic Instability: Uncertain economic conditions, such as recessions or fluctuations in interest rates, can impact the demand for financial services and potentially affect Provident Financial PLC's profitability.
- Changing Customer Preferences: Shifting consumer preferences towards self-service digital platforms may require Provident Financial PLC to adapt its business model and invest in technology.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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