PCF Group plc Logo

PCF Group plc

PCF.L

(0.5)
Stock Price

0,95 GBp

-0.69% ROA

-5.96% ROE

-0.79x PER

Market Cap.

0,00 GBp

138.75% DER

0% Yield

-11.05% NPM

PCF Group plc Stock Analysis

PCF Group plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PCF Group plc Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.05x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE indicates a negative return (-5.96%) on shareholders' equity, suggesting poor financial performance.

3 ROA

The stock's ROA (-0.69%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

4 DER

The stock is burdened with a heavy load of debt (139%), making it financially unstable and potentially risky for investors.

5 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

6 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

7 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

9 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

PCF Group plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PCF Group plc Technical Stock Analysis
# Analysis Recommendation

PCF Group plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PCF Group plc Revenue
Year Revenue Growth
1995 1.038.000
1996 2.475.000 58.06%
1997 3.199.000 22.63%
1998 5.054.000 36.7%
1999 9.876.000 48.83%
2000 14.860.000 33.54%
2001 30.993.000 52.05%
2002 33.164.000 6.55%
2003 31.351.000 -5.78%
2004 31.124.000 -0.73%
2005 35.748.000 12.93%
2006 0 0%
2007 51.749.000 100%
2008 62.922.000 17.76%
2009 60.200.000 -4.52%
2010 57.940.000 -3.9%
2011 52.016.000 -11.39%
2012 37.241.000 -39.67%
2013 38.278.000 2.71%
2014 40.631.000 5.79%
2015 46.290.000 12.23%
2017 10.870.000 -325.85%
2018 14.650.000 25.8%
2019 22.213.000 34.05%
2020 26.749.000 16.96%
2021 27.689.000 3.39%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PCF Group plc Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PCF Group plc General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 6.428.000 100%
2003 8.493.000 24.31%
2004 9.679.000 12.25%
2005 10.452.400 7.4%
2006 8.365.000 -24.95%
2007 9.524.000 12.17%
2008 13.039.000 26.96%
2009 12.007.000 -8.59%
2010 10.625.000 -13.01%
2011 9.110.000 -16.63%
2012 7.179.000 -26.9%
2013 6.935.000 -3.52%
2014 6.686.000 -3.72%
2015 6.875.000 2.75%
2017 1.274.000 -439.64%
2018 1.386.000 8.08%
2019 2.030.000 31.72%
2020 3.851.000 47.29%
2021 6.790.000 43.28%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PCF Group plc EBITDA
Year EBITDA Growth
1995 1.014.000
1996 969.000 -4.64%
1997 1.084.000 10.61%
1998 1.287.000 15.77%
1999 1.451.000 11.3%
2000 3.144.000 53.85%
2001 5.246.000 40.07%
2002 5.326.000 1.5%
2003 2.256.000 -136.08%
2004 705.000 -220%
2005 769.000 8.32%
2006 43.000 -1688.37%
2007 8.663.000 99.5%
2008 8.637.000 -0.3%
2009 7.112.000 -21.44%
2010 6.556.000 -8.48%
2011 6.155.000 -6.52%
2012 5.148.000 -19.56%
2013 5.818.000 11.52%
2014 6.996.000 16.84%
2015 8.491.000 17.61%
2017 9.054.000 6.22%
2018 10.852.000 16.57%
2019 21.455.000 49.42%
2020 4.952.000 -333.26%
2021 6.043.000 18.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PCF Group plc Gross Profit
Year Gross Profit Growth
1995 1.038.000
1996 2.475.000 58.06%
1997 3.199.000 22.63%
1998 1.822.000 -75.58%
1999 2.865.000 36.4%
2000 5.404.000 46.98%
2001 10.096.000 46.47%
2002 11.142.000 9.39%
2003 10.115.000 -10.15%
2004 10.043.000 -0.72%
2005 10.306.000 2.55%
2006 0 0%
2007 18.004.000 100%
2008 21.853.000 17.61%
2009 18.684.000 -16.96%
2010 16.737.000 -11.63%
2011 15.016.000 -11.46%
2012 37.241.000 59.68%
2013 38.278.000 2.71%
2014 40.631.000 5.79%
2015 46.290.000 12.23%
2017 10.870.000 -325.85%
2018 14.650.000 25.8%
2019 22.213.000 34.05%
2020 26.749.000 16.96%
2021 27.689.000 3.39%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PCF Group plc Net Profit
Year Net Profit Growth
1995 168.000
1996 265.000 36.6%
1997 259.000 -2.32%
1998 289.000 10.38%
1999 156.000 -85.26%
2000 397.000 60.71%
2001 822.000 51.7%
2002 930.000 11.61%
2003 -990.000 193.94%
2004 -2.207.000 55.14%
2005 -3.156.000 30.07%
2006 24.000 13250%
2007 902.000 97.34%
2008 159.000 -467.3%
2009 378.000 57.94%
2010 38.000 -894.74%
2011 479.000 92.07%
2012 574.000 16.55%
2013 732.000 21.58%
2014 1.614.000 54.65%
2015 2.633.000 38.7%
2017 2.786.000 5.49%
2018 4.192.000 33.54%
2019 6.394.000 34.44%
2020 -4.258.000 250.16%
2021 -3.061.000 -39.1%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PCF Group plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PCF Group plc Free Cashflow
Year Free Cashflow Growth
1995 4.180.000
1996 -918.000 555.34%
1997 -2.174.000 57.77%
1998 -2.903.000 25.11%
1999 -7.685.000 62.23%
2000 -9.792.000 21.52%
2001 -7.737.000 -26.56%
2002 -5.124.000 -51%
2003 4.143.000 223.68%
2004 -343.000 1307.87%
2005 -14.733.000 97.67%
2006 -21.730.000 32.2%
2007 -38.963.000 44.23%
2008 -3.538.000 -1001.27%
2009 11.696.000 130.25%
2010 14.569.000 19.72%
2011 23.502.000 38.01%
2012 4.697.000 -400.36%
2013 -7.206.000 165.18%
2014 -8.702.000 17.19%
2015 -8.519.000 -2.15%
2017 31.094.000 127.4%
2018 68.294.000 54.47%
2019 -6.294.250 1185.02%
2020 -16.855.000 62.66%
2021 41.809.000 140.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PCF Group plc Operating Cashflow
Year Operating Cashflow Growth
1995 4.300.000
1996 -869.000 594.82%
1997 -2.140.000 59.39%
1998 -2.721.000 21.35%
1999 -7.613.000 64.26%
2000 -7.546.000 -0.89%
2001 -5.862.000 -28.73%
2002 -4.760.000 -23.15%
2003 4.508.000 205.59%
2004 1.002.000 -349.9%
2005 -14.295.000 107.01%
2006 -21.608.000 33.84%
2007 -38.749.000 44.24%
2008 -3.200.000 -1110.91%
2009 12.474.000 125.65%
2010 14.696.000 15.12%
2011 23.602.000 37.73%
2012 4.869.000 -384.74%
2013 -7.026.000 169.3%
2014 -8.567.000 17.99%
2015 -8.394.000 -2.06%
2017 33.504.000 125.05%
2018 68.967.000 51.42%
2019 -5.973.250 1254.6%
2020 -14.772.000 59.56%
2021 42.678.000 134.61%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PCF Group plc Capital Expenditure
Year Capital Expenditure Growth
1995 120.000
1996 49.000 -144.9%
1997 34.000 -44.12%
1998 182.000 81.32%
1999 72.000 -152.78%
2000 2.246.000 96.79%
2001 1.875.000 -19.79%
2002 364.000 -415.11%
2003 365.000 0.27%
2004 1.345.000 72.86%
2005 438.000 -207.08%
2006 122.000 -259.02%
2007 214.000 42.99%
2008 338.000 36.69%
2009 778.000 56.56%
2010 127.000 -512.6%
2011 100.000 -27%
2012 172.000 41.86%
2013 180.000 4.44%
2014 135.000 -33.33%
2015 125.000 -8%
2017 2.410.000 94.81%
2018 673.000 -258.1%
2019 321.000 -109.66%
2020 2.083.000 84.59%
2021 869.000 -139.7%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PCF Group plc Equity
Year Equity Growth
1995 1.249.000
1996 1.514.000 17.5%
1997 1.700.000 10.94%
1998 2.910.000 41.58%
1999 2.980.000 2.35%
2000 7.327.000 59.33%
2001 7.950.000 7.84%
2002 8.655.000 8.15%
2003 7.377.000 -17.32%
2004 5.153.000 -43.16%
2005 2.947.000 -74.86%
2006 4.618.000 36.18%
2007 5.957.000 22.48%
2008 4.116.000 -44.73%
2009 6.703.000 38.59%
2010 7.885.000 14.99%
2011 8.773.000 10.12%
2012 9.324.000 5.91%
2013 10.412.000 10.45%
2014 11.858.000 12.19%
2017 38.661.000 69.33%
2018 42.551.000 9.14%
2019 58.755.000 27.58%
2020 53.875.000 -9.06%
2021 48.862.000 -10.26%
2022 41.391.000 -18.05%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PCF Group plc Assets
Year Assets Growth
1995 7.964.000
1996 8.690.000 8.35%
1997 11.387.000 23.68%
1998 13.436.000 15.25%
1999 22.050.000 39.07%
2000 53.757.000 58.98%
2001 60.475.000 11.11%
2002 65.807.000 8.1%
2003 61.359.000 -7.25%
2004 57.591.000 -6.54%
2005 69.391.000 17.01%
2006 95.820.000 27.58%
2007 134.869.000 28.95%
2008 140.508.000 4.01%
2009 129.517.000 -8.49%
2010 113.344.000 -14.27%
2011 89.448.000 -26.71%
2012 84.947.000 -5.3%
2013 93.108.000 8.77%
2014 103.812.000 10.31%
2017 172.468.000 39.81%
2018 286.470.000 39.8%
2019 378.069.000 24.23%
2020 472.660.000 20.01%
2021 448.751.000 -5.33%
2022 406.210.000 -10.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PCF Group plc Liabilities
Year Liabilities Growth
1995 6.715.000
1996 7.176.000 6.42%
1997 9.687.000 25.92%
1998 10.526.000 7.97%
1999 18.911.000 44.34%
2000 46.265.000 59.12%
2001 52.416.000 11.73%
2002 57.066.000 8.15%
2003 53.930.000 -5.81%
2004 52.438.000 -2.85%
2005 66.444.000 21.08%
2006 91.202.000 27.15%
2007 128.912.000 29.25%
2008 136.392.000 5.48%
2009 122.814.000 -11.06%
2010 105.459.000 -16.46%
2011 80.675.000 -30.72%
2012 75.623.000 -6.68%
2013 82.696.000 8.55%
2014 91.954.000 10.07%
2017 133.807.000 31.28%
2018 243.919.000 45.14%
2019 319.314.000 23.61%
2020 418.785.000 23.75%
2021 399.889.000 -4.73%
2022 364.819.000 -9.61%

PCF Group plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.11
Net Income per Share
-0.01
Price to Earning Ratio
-0.79x
Price To Sales Ratio
0x
POCF Ratio
0.06
PFCF Ratio
0
Price to Book Ratio
0.05
EV to Sales
0.42
EV Over EBITDA
1.93
EV to Operating CashFlow
0.27
EV to FreeCashFlow
0.28
Earnings Yield
-1.26
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
0,01 Bil.
Graham Number
0.23
Graham NetNet
-1.34

Income Statement Metrics

Net Income per Share
-0.01
Income Quality
-13.77
ROE
-0.06
Return On Assets
-0.01
Return On Capital Employed
0.01
Net Income per EBT
0.99
EBT Per Ebit
-0.71
Ebit per Revenue
0.16
Effective Tax Rate
0.01

Margins

Sales, General, & Administrative to Revenue
0.25
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.16
Pretax Profit Margin
-0.11
Net Profit Margin
-0.11

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.17
Free CashFlow per Share
0.16
Capex to Operating CashFlow
-0.02
Capex to Revenue
-0.03
Capex to Depreciation
-0.51
Return on Invested Capital
0.04
Return on Tangible Assets
-0.01
Days Sales Outstanding
54.31
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
6.72
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0

Balance Sheet

Cash per Share
0,22
Book Value per Share
0,19
Tangible Book Value per Share
0.18
Shareholders Equity per Share
0.19
Interest Debt per Share
0.29
Debt to Equity
1.39
Debt to Assets
0.15
Net Debt to EBITDA
1.93
Current Ratio
0
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,34 Bil.
Invested Capital
1.39
Working Capital
0,06 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PCF Group plc Dividends
Year Dividends Growth
1999 2
2000 1 0%
2001 2 0%
2002 2 50%
2003 2 0%
2004 1 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%

PCF Group plc Profile

About PCF Group plc

PCF Group plc, together with its subsidiaries, provides hire purchase and finance lease services in the United Kingdom. It operates through four segments: Consumer Finance, Business Finance, Azule Finance, and Bridging Finance. The Consumer Finance segment provides consumer hire purchase, personal loan, and conditional sale finance for motor vehicles, such as classic cars, caravans, motorhomes, and horseboxes. The Business Finance segment offers hire purchase and finance lease agreements for vehicles, plants, and equipment to sole traders, partnerships, and limited companies. The Azule Finance segment provides specialist funding and leasing services to individuals and businesses in the broadcast and media industry. The Bridging Finance segment offers finance for residential, semi-commercial, and commercial properties. PCF Group plc is also involved in the sale of vehicles, equipment, and properties; and the provision of related fee-based services and retail saving products. The company was incorporated in 1993 and is based in London, the United Kingdom. PCF Group plc is a subsidiary of Somers Limited.

CEO
Mr. Garry George Stran
Employee
147
Address
Pinners Hall
London, EC2N 1ER

PCF Group plc Executives & BODs

PCF Group plc Executives & BODs
# Name Age
1 Andrew Barber
Chief Technology Officer
70
2 Mr. Jason McCabe
Deputy Chief Risk Officer & Chief Compliance Officer
70
3 Ms. Caroline Jane Richardson
Group Chief Financial Officer & Executive Director
70
4 Mr. Gavin Scott
Sales & Marketing Director
70
5 Mr. Andrew Currie
Head of Bus. & Broker Devel.
70
6 Mr. Robert Hobbs
Head of Fin.
70
7 Mr. Chris Bowyer
Chief Operating Officer
70
8 Mr. Garry George Stran
Chief Executive Officer & Executive Director
70
9 Mr. Duncan McDonald
Gen. Counsel
70
10 Kate Willson
Interim Chief People Officer
70

PCF Group plc Competitors