Provident Financial SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 733

SWOT Analysis of Provident Financial with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Provident Financial

Parent Company

Provident Financial PLC


Savings & Loans


Financial Services

Tagline/ Slogan

Leading Specialist lender


Specialist in Home Collected Credit (HCC)



Non-standard credit market credit cards, home credit, online installment credit & non-standard vehicle finance

Target Group

Customers seeking  wealth management services, estate settlement services, life and health insurance, and various real estate services


Positioned as being a leader in serving people in the non-standard credit market

SWOT Analysis


1. Decades of experience in serving non-standard customers.

2. Specialization and focus on non-standard credit.

3. Track record, strong reputation and prudent accounting and governance.

4. Commitment to corporate social responsibility

5. Simple transparent and suitable products, tailored to non-standard customer needs.

6. A different approach to managing the customer relationship, tailored to non-standard customer needs.

7. Listed on the London Stock Exchange and FTSE 250 Index


1. Not having a large international presence.

2. Intense competition from other financial institutions means limited growth of market share


1. Overarching purpose to lend where others don't and increase financial inclusion.

2. Market leader in non-standard used car finance with over 20 years of experience in the car finance market. Can look into further expansion

3. Increased purchasing power of people push them to avail the facilities like credit cards, car credit etc


1. Risk of customers defaulting

2. Subject to vagaries of global economic dynamics

3. Changing government rules & regulations



1. Edenred SA

2. International Personal Finance PLC

3. S & U PLC

4. Park Group PLC

5. H&T Group PLC

6. Bank of America Corporation

7. Valley National Bancorp

The table above concludes the Provident Financial SWOT analysis along with its marketing and brand parameters.


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