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STOCKS

Provident Financial Services (PFS)

NYSE:PFS

PFS

Provident Financial Services

RESEARCH TOOLSreports

Provident Financial Services (PFS) Ratios

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217 Followers

Provident Financial Services Ratios

PFS's free cash flow for Q4 2025 was $0.64. For the 2025 fiscal year, PFS's free cash flow was decreased by $ and operating cash flow was $0.32. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	0.16	0.19	0.21
Quick Ratio	0.00	0.00	0.16	0.19	0.23
Cash Ratio	0.00	0.00	0.01	0.02	0.02
Solvency Ratio	0.02	0.01	<0.01	0.01	0.02
Operating Cash Flow Ratio	0.00	0.00	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	3.77	2.40	0.00
Net Current Asset Value	$ -18.68B	$ -18.68B	$ -18.38B	$ -10.59B	$ -10.14B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.10	0.10	0.11	0.10
Debt-to-Equity Ratio	0.89	0.89	0.93	0.91	0.84
Debt-to-Capital Ratio	0.47	0.47	0.48	0.48	0.46
Long-Term Debt-to-Capital Ratio	0.47	0.47	0.47	0.46	0.44
Financial Leverage Ratio	8.82	8.82	9.25	8.41	8.63
Debt Service Coverage Ratio	0.67	0.57	0.30	0.52	7.27
Interest Coverage Ratio	0.80	0.80	0.34	0.81	5.94
Debt to Market Cap	0.87	0.98	1.17	1.13	0.78
Interest Debt Per Share	23.22	23.21	26.15	23.34	18.69
Net Debt to EBITDA	5.04	5.65	10.85	6.82	2.78
Profitability Margins
Gross Profit Margin	62.69%	62.69%	53.25%	64.85%	91.48%
EBIT Margin	29.52%	29.52%	13.12%	25.27%	47.51%
EBITDA Margin	33.12%	29.52%	17.91%	28.46%	82.71%
Operating Profit Margin	29.52%	29.52%	13.12%	25.27%	57.14%
Pretax Profit Margin	29.52%	29.52%	13.12%	25.27%	47.51%
Net Profit Margin	21.06%	21.06%	10.13%	18.46%	34.76%
Continuous Operations Profit Margin	21.06%	21.06%	10.13%	18.46%	34.76%
Net Income Per EBT	71.34%	71.34%	77.21%	73.05%	73.15%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	83.16%
Return on Assets (ROA)	1.17%	1.17%	0.48%	0.90%	1.27%
Return on Equity (ROE)	10.62%	10.28%	4.44%	7.59%	10.99%
Return on Capital Employed (ROCE)	1.63%	1.63%	2.84%	4.61%	7.32%
Return on Invested Capital (ROIC)	6.67%	6.67%	2.15%	3.31%	-4.17%
Return on Tangible Assets	1.20%	1.20%	0.50%	0.93%	1.32%
Earnings Yield	10.04%	11.29%	5.58%	9.51%	11.01%
Efficiency Ratios
Receivables Turnover	14.43	14.43	12.51	11.80	9.74
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	-0.16
Fixed Asset Turnover	12.20	12.20	9.53	9.80	6.33
Asset Turnover	0.06	0.06	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.23	-0.23	-0.09	-0.08	-0.07
Cash Conversion Cycle	25.29	25.29	29.18	30.94	-2.20K
Days of Sales Outstanding	25.29	25.29	29.18	30.94	37.49
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	-2.24K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	25.29	25.29	29.18	30.94	-2.20K
Cash Flow Ratios
Operating Cash Flow Per Share	2.86	0.00	3.89	2.32	2.68
Free Cash Flow Per Share	2.81	0.00	3.88	2.22	2.56
CapEx Per Share	0.05	0.00	0.01	0.10	0.13
Free Cash Flow to Operating Cash Flow	0.98	0.00	1.00	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	3.69	0.00	4.17	2.17	2.46
Capital Expenditure Coverage Ratio	55.94	0.00	326.23	23.16	21.28
Operating Cash Flow Coverage Ratio	0.15	0.00	0.18	0.11	0.15
Operating Cash Flow to Sales Ratio	0.27	0.00	0.37	0.25	0.40
Free Cash Flow Yield	12.64%	0.00%	20.54%	12.29%	11.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.96	8.86	17.91	10.51	9.08
Price-to-Sales (P/S) Ratio	2.10	1.87	1.81	1.94	3.16
Price-to-Book (P/B) Ratio	1.02	0.91	0.80	0.80	1.00
Price-to-Free Cash Flow (P/FCF) Ratio	7.92	0.00	4.87	8.13	8.36
Price-to-Operating Cash Flow Ratio	7.77	0.00	4.85	7.78	7.97
Price-to-Earnings Growth (PEG) Ratio	0.72	0.08	-0.46	-0.39	1.33
Price-to-Fair Value	1.02	0.91	0.80	0.80	1.00
Enterprise Value Multiple	11.38	11.97	20.99	13.64	6.60
Enterprise Value	5.21B	4.89B	4.29B	2.70B	2.76B
EV to EBITDA	11.37	11.97	20.99	13.64	6.60
EV to Sales	3.77	3.53	3.76	3.88	5.46
EV to Free Cash Flow	14.21	0.00	10.08	16.27	14.44
EV to Operating Cash Flow	13.95	0.00	10.05	15.57	13.76
Tangible Book Value Per Share	15.71	15.71	16.25	16.47	15.22
Shareholders’ Equity Per Share	21.71	21.70	23.72	22.59	21.39
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.23	0.27	0.27
Revenue Per Share	10.59	10.59	10.40	9.29	6.76
Net Income Per Share	2.23	2.23	1.05	1.72	2.35
Tax Burden	0.71	0.71	0.77	0.73	0.73
Interest Burden	1.00	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	0.20	0.22	0.20	0.23	0.30
Stock-Based Compensation to Revenue	<0.01	0.00	0.01	0.02	0.03
Income Quality	1.28	0.00	3.69	1.35	1.14

Currency in USD