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STOCKS

Provident Financial Services (PFS)

:PFS

PFS

Provident Financial Services

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Provident Financial Services (PFS) Ratios

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219 Followers

Provident Financial Services Ratios

PFS's free cash flow for Q3 2025 was $-1.56. For the 2025 fiscal year, PFS's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.19	0.21	0.30	0.20
Quick Ratio	0.00	0.19	0.23	0.38	0.28
Cash Ratio	0.00	0.02	0.02	0.07	0.06
Solvency Ratio	0.01	0.01	0.02	0.30	0.10
Operating Cash Flow Ratio	0.00	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	0.00	2.40	0.00	0.00	0.00
Net Current Asset Value	$ -18.53B	$ -10.59B	$ -10.14B	$ 2.18B	$ 483.19M
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.11	0.10	0.05	0.09
Debt-to-Equity Ratio	0.00	0.91	0.84	0.38	0.74
Debt-to-Capital Ratio	0.00	0.48	0.46	0.27	0.43
Long-Term Debt-to-Capital Ratio	0.00	0.46	0.44	0.23	0.40
Financial Leverage Ratio	8.97	8.41	8.63	8.12	7.98
Debt Service Coverage Ratio	0.63	0.52	7.27	8.28	5.76
Interest Coverage Ratio	0.13	0.81	5.94	6.25	2.51
Debt to Market Cap	0.00	1.13	0.78	0.28	0.88
Interest Debt Per Share	5.01	23.34	18.69	8.81	18.00
Net Debt to EBITDA	-0.59	6.82	2.78	-0.21	2.07
Profitability Margins
Gross Profit Margin	7.99%	64.85%	91.48%	91.47%	90.60%
EBIT Margin	8.68%	25.27%	47.51%	50.16%	33.13%
EBITDA Margin	44.91%	28.46%	82.71%	79.45%	83.82%
Operating Profit Margin	7.24%	25.27%	57.14%	50.16%	33.13%
Pretax Profit Margin	31.32%	25.27%	47.51%	50.16%	33.13%
Net Profit Margin	22.38%	18.46%	34.76%	37.08%	25.18%
Continuous Operations Profit Margin	16.12%	18.46%	34.76%	37.08%	25.18%
Net Income Per EBT	71.46%	73.05%	73.15%	73.94%	76.01%
EBT Per EBIT	432.63%	100.00%	83.16%	100.00%	100.00%
Return on Assets (ROA)	1.03%	0.90%	1.27%	1.22%	0.75%
Return on Equity (ROE)	9.55%	7.59%	10.99%	9.89%	5.99%
Return on Capital Employed (ROCE)	0.33%	4.61%	7.32%	5.33%	2.75%
Return on Invested Capital (ROIC)	1.33%	3.31%	-4.17%	-4.57%	-2.16%
Return on Tangible Assets	1.07%	0.93%	1.32%	1.26%	0.78%
Earnings Yield	10.52%	9.51%	11.01%	9.07%	7.76%
Efficiency Ratios
Receivables Turnover	12.10	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	10.12	9.80	6.33	5.62	5.07
Asset Turnover	0.05	0.05	0.04	0.03	0.03
Working Capital Turnover Ratio	-0.19	-0.08	-0.07	-0.07	-0.07
Cash Conversion Cycle	30.17	30.94	-2.20K	-7.43K	-6.03K
Days of Sales Outstanding	30.17	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	30.17	30.94	-2.20K	-7.43K	-6.03K
Cash Flow Ratios
Operating Cash Flow Per Share	4.48	2.32	2.68	2.07	1.54
Free Cash Flow Per Share	4.44	2.22	2.56	1.89	1.35
CapEx Per Share	0.04	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	4.23	2.17	2.46	1.85	1.36
Capital Expenditure Coverage Ratio	113.53	23.16	21.28	11.46	8.34
Operating Cash Flow Coverage Ratio	0.00	0.11	0.15	0.25	0.09
Operating Cash Flow to Sales Ratio	0.51	0.25	0.40	0.35	0.28
Free Cash Flow Yield	23.73%	12.29%	11.96%	7.80%	7.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.50	10.51	9.08	11.03	12.88
Price-to-Sales (P/S) Ratio	2.13	1.94	3.16	4.09	3.24
Price-to-Book (P/B) Ratio	0.88	0.80	1.00	1.09	0.77
Price-to-Free Cash Flow (P/FCF) Ratio	4.21	8.13	8.36	12.83	13.28
Price-to-Operating Cash Flow Ratio	4.17	7.78	7.97	11.71	11.68
Price-to-Earnings Growth (PEG) Ratio	0.89	-0.39	1.33	0.19	-0.64
Price-to-Fair Value	0.88	0.80	1.00	1.09	0.77
Enterprise Value Multiple	4.16	13.64	6.60	4.94	5.94
Enterprise Value	2.14B	2.70B	2.76B	1.78B	1.92B
EV to EBITDA	4.16	13.64	6.60	4.94	5.94
EV to Sales	1.87	3.88	5.46	3.92	4.98
EV to Free Cash Flow	3.69	16.27	14.44	12.31	20.38
EV to Operating Cash Flow	3.66	15.57	13.76	11.23	17.94
Tangible Book Value Per Share	15.15	16.47	15.22	165.81	161.79
Shareholders’ Equity Per Share	21.21	22.59	21.39	22.19	23.29
Tax and Other Ratios
Effective Tax Rate	0.29	0.27	0.27	0.26	0.24
Revenue Per Share	8.78	9.29	6.76	5.92	5.54
Net Income Per Share	1.96	1.72	2.35	2.20	1.39
Tax Burden	0.71	0.73	0.73	0.74	0.76
Interest Burden	3.61	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	0.27	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	2.53	1.35	1.14	0.94	1.10

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