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STOCKS

Provident Financial Services (PFS)

NYSE:PFS

PFS

Provident Financial Services

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Provident Financial Services (PFS) Ratios

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Provident Financial Services Ratios

PFS's free cash flow for Q1 2025 was $0.63. For the 2025 fiscal year, PFS's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.17	0.19	0.21	0.30	0.20
Quick Ratio	0.17	0.19	0.23	0.38	0.28
Cash Ratio	0.01	0.02	0.02	0.07	0.06
Solvency Ratio	<0.01	0.01	0.02	0.30	0.10
Operating Cash Flow Ratio	0.03	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	4.15	2.40	0.00	0.00	0.00
Net Current Asset Value	$ -18.36B	$ -10.59B	$ -10.14B	$ 2.18B	$ 483.19M
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.11	0.10	0.05	0.09
Debt-to-Equity Ratio	1.03	0.91	0.84	0.38	0.74
Debt-to-Capital Ratio	0.51	0.48	0.46	0.27	0.43
Long-Term Debt-to-Capital Ratio	0.50	0.46	0.44	0.23	0.40
Financial Leverage Ratio	9.11	8.41	8.63	8.12	7.98
Debt Service Coverage Ratio	0.44	0.52	7.27	8.28	5.76
Interest Coverage Ratio	0.82	0.81	5.94	6.25	2.51
Debt to Market Cap	1.29	1.13	0.78	0.28	0.88
Interest Debt Per Share	23.76	23.34	18.69	8.81	18.00
Net Debt to EBITDA	9.59	6.82	2.78	-0.21	2.07
Profitability Margins
Gross Profit Margin	92.02%	64.85%	91.48%	91.47%	90.60%
EBIT Margin	21.85%	25.27%	47.51%	50.16%	33.13%
EBITDA Margin	26.07%	28.46%	82.71%	79.45%	83.82%
Operating Profit Margin	29.65%	25.27%	57.14%	50.16%	33.13%
Pretax Profit Margin	19.83%	25.27%	47.51%	50.16%	33.13%
Net Profit Margin	14.74%	18.46%	34.76%	37.08%	25.18%
Continuous Operations Profit Margin	14.74%	18.46%	34.76%	37.08%	25.18%
Net Income Per EBT	74.29%	73.05%	73.15%	73.94%	76.01%
EBT Per EBIT	66.90%	100.00%	83.16%	100.00%	100.00%
Return on Assets (ROA)	0.61%	0.90%	1.27%	1.22%	0.75%
Return on Equity (ROE)	5.65%	7.59%	10.99%	9.89%	5.99%
Return on Capital Employed (ROCE)	5.29%	4.61%	7.32%	5.33%	2.75%
Return on Invested Capital (ROIC)	3.85%	3.31%	-4.17%	-4.57%	-2.16%
Return on Tangible Assets	0.63%	0.93%	1.32%	1.26%	0.78%
Earnings Yield	6.99%	9.51%	11.01%	9.07%	7.76%
Efficiency Ratios
Receivables Turnover	10.90	11.80	9.74	10.78	8.29
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	-0.16	-0.05	-0.06
Fixed Asset Turnover	8.67	9.80	6.33	5.62	5.07
Asset Turnover	0.04	0.05	0.04	0.03	0.03
Working Capital Turnover Ratio	-0.13	-0.08	-0.07	-0.07	-0.07
Cash Conversion Cycle	33.47	30.94	-2.20K	-7.43K	-6.03K
Days of Sales Outstanding	33.47	30.94	37.49	33.85	44.04
Days of Inventory Outstanding	0.00	0.00	-2.24K	-7.46K	-6.08K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	33.47	30.94	-2.20K	-7.43K	-6.03K
Cash Flow Ratios
Operating Cash Flow Per Share	3.63	2.32	2.68	2.07	1.54
Free Cash Flow Per Share	3.61	2.22	2.56	1.89	1.35
CapEx Per Share	0.03	0.10	0.13	0.18	0.18
Free Cash Flow to Operating Cash Flow	0.99	0.96	0.95	0.91	0.88
Dividend Paid and CapEx Coverage Ratio	4.01	2.17	2.46	1.85	1.36
Capital Expenditure Coverage Ratio	138.89	23.16	21.28	11.46	8.34
Operating Cash Flow Coverage Ratio	0.17	0.11	0.15	0.25	0.09
Operating Cash Flow to Sales Ratio	0.47	0.25	0.40	0.35	0.28
Free Cash Flow Yield	22.25%	12.29%	11.96%	7.80%	7.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.31	10.51	9.08	11.03	12.88
Price-to-Sales (P/S) Ratio	2.11	1.94	3.16	4.09	3.24
Price-to-Book (P/B) Ratio	0.79	0.80	1.00	1.09	0.77
Price-to-Free Cash Flow (P/FCF) Ratio	4.50	8.13	8.36	12.83	13.28
Price-to-Operating Cash Flow Ratio	4.46	7.78	7.97	11.71	11.68
Price-to-Earnings Growth (PEG) Ratio	2.50	-0.39	1.33	0.19	-0.64
Price-to-Fair Value	0.79	0.80	1.00	1.09	0.77
Enterprise Value Multiple	17.69	13.64	6.60	4.94	5.94
Enterprise Value	4.62B	2.70B	2.76B	1.78B	1.92B
EV to EBITDA	17.69	13.64	6.60	4.94	5.94
EV to Sales	4.61	3.88	5.46	3.92	4.98
EV to Free Cash Flow	9.81	16.27	14.44	12.31	20.38
EV to Operating Cash Flow	9.75	15.57	13.76	11.23	17.94
Tangible Book Value Per Share	14.19	16.47	15.22	165.81	161.79
Shareholders’ Equity Per Share	20.40	22.59	21.39	22.19	23.29
Tax and Other Ratios
Effective Tax Rate	0.26	0.27	0.27	0.26	0.24
Revenue Per Share	7.68	9.29	6.76	5.92	5.54
Net Income Per Share	1.13	1.72	2.35	2.20	1.39
Tax Burden	0.74	0.73	0.73	0.74	0.76
Interest Burden	0.91	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.21	0.23	0.30	0.33	0.35
Stock-Based Compensation to Revenue	<0.01	0.02	0.03	0.02	0.02
Income Quality	3.21	1.35	1.14	0.94	1.10

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