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Provident Financial Services (PFS)
NYSE:PFS
US Market
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 2026 was $0.66. For the 2026 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.16 0.19 0.19
Quick Ratio
 0.00 0.00 0.16 0.19 0.19
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 2.04
Net Current Asset Value
$ -18.78B$ -18.68B$ -18.38B$ -10.59B$ -10.14B
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.10 0.10 0.11 0.10
Debt-to-Equity Ratio
 1.01 0.89 0.93 0.91 0.84
Debt-to-Capital Ratio
 0.50 0.47 0.48 0.48 0.46
Long-Term Debt-to-Capital Ratio
 0.50 0.47 0.47 0.46 0.44
Financial Leverage Ratio
 8.80 8.82 9.25 8.41 8.63
Debt Service Coverage Ratio
 0.67 0.57 0.30 0.52 1.36
Interest Coverage Ratio
 0.84 0.80 0.34 0.81 4.94
Debt to Market Cap
 1.00 0.98 1.17 1.13 0.84
Interest Debt Per Share
 26.06 23.21 26.15 23.34 18.69
Net Debt to EBITDA
 5.81 5.65 10.85 6.82 4.40
Profitability Margins
Gross Profit Margin
63.43%62.69%53.25%64.85%90.32%
EBIT Margin
30.53%29.52%13.12%25.27%43.34%
EBITDA Margin
32.90%29.52%17.91%28.46%47.62%
Operating Profit Margin
30.53%29.52%13.12%25.27%43.34%
Pretax Profit Margin
30.53%29.52%13.12%25.27%43.34%
Net Profit Margin
21.95%21.06%10.13%18.46%31.71%
Continuous Operations Profit Margin
21.95%21.06%10.13%18.46%31.71%
Net Income Per EBT
71.88%71.34%77.21%73.05%73.15%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.22%1.17%0.48%0.90%1.27%
Return on Equity (ROE)
10.98%10.28%4.44%7.59%10.99%
Return on Capital Employed (ROCE)
1.69%1.63%2.84%4.61%7.78%
Return on Invested Capital (ROIC)
6.90%6.67%2.15%3.31%5.52%
Return on Tangible Assets
1.25%1.20%0.50%0.93%1.32%
Earnings Yield
10.60%11.29%5.58%9.51%11.01%
Efficiency Ratios
Receivables Turnover
 14.29 14.43 12.51 11.80 10.67
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 12.66 12.20 9.53 9.80 6.94
Asset Turnover
 0.06 0.06 0.05 0.05 0.04
Working Capital Turnover Ratio
 0.40 -0.23 -0.09 -0.08 -0.06
Cash Conversion Cycle
 25.54 25.29 29.18 30.94 34.20
Days of Sales Outstanding
 25.54 25.29 29.18 30.94 34.20
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 25.54 25.29 29.18 30.94 34.20
Cash Flow Ratios
Operating Cash Flow Per Share
 3.36 3.39 3.89 2.32 2.68
Free Cash Flow Per Share
 3.24 3.30 3.88 2.22 2.56
CapEx Per Share
 0.12 0.09 0.01 0.10 0.13
Free Cash Flow to Operating Cash Flow
 0.96 0.97 1.00 0.96 0.95
Dividend Paid and CapEx Coverage Ratio
 3.11 3.22 4.17 2.17 2.46
Capital Expenditure Coverage Ratio
 27.90 38.33 326.23 23.16 21.28
Operating Cash Flow Coverage Ratio
 0.15 0.18 0.18 0.11 0.15
Operating Cash Flow to Sales Ratio
 0.31 0.32 0.37 0.25 0.36
Free Cash Flow Yield
14.64%16.70%20.54%12.29%11.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.43 8.86 17.91 10.51 9.08
Price-to-Sales (P/S) Ratio
 2.07 1.87 1.81 1.94 2.88
Price-to-Book (P/B) Ratio
 1.01 0.91 0.80 0.80 1.00
Price-to-Free Cash Flow (P/FCF) Ratio
 6.83 5.99 4.87 8.13 8.36
Price-to-Operating Cash Flow Ratio
 6.59 5.83 4.85 7.78 7.97
Price-to-Earnings Growth (PEG) Ratio
 0.08 0.08 -0.46 -0.39 1.33
Price-to-Fair Value
 1.01 0.91 0.80 0.80 1.00
Enterprise Value Multiple
 12.09 11.97 20.99 13.64 10.45
Enterprise Value
 5.56B 4.89B 4.29B 2.70B 2.76B
EV to EBITDA
 12.09 11.97 20.99 13.64 10.45
EV to Sales
 3.98 3.53 3.76 3.88 4.98
EV to Free Cash Flow
 13.14 11.34 10.08 16.27 14.44
EV to Operating Cash Flow
 12.67 11.05 10.05 15.57 13.76
Tangible Book Value Per Share
 16.01 15.71 16.25 16.47 15.22
Shareholders’ Equity Per Share
 21.94 21.70 23.72 22.59 21.39
Tax and Other Ratios
Effective Tax Rate
 0.28 0.29 0.23 0.27 0.27
Revenue Per Share
 10.70 10.59 10.40 9.29 7.42
Net Income Per Share
 2.35 2.23 1.05 1.72 2.35
Tax Burden
 0.72 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
 0.21 0.22 0.21 0.23 0.28
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.01 0.02 0.02
Income Quality
 1.43 1.52 3.69 1.35 1.14
Currency in USD