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Provident Financial Holdings, Inc (PROV)
NASDAQ:PROV
US Market
PROV
Provident Financial Holdings
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Provident Financial Holdings (PROV) Ratios

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Provident Financial Holdings Ratios

PROV's free cash flow for Q2 2026 was $0.67. For the 2026 fiscal year, PROV's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Jun 25Jun 24Jun 23Jun 22
Liquidity Ratios
Current Ratio
 1.73 0.06 0.06 0.08 0.05
Quick Ratio
 1.73 0.06 0.06 0.08 0.05
Cash Ratio
 0.63 0.06 0.06 0.07 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.11 <0.01 <0.01 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.11 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -935.73M$ -1.06B$ -1.08B$ -1.12B$ -1.01B
Leverage Ratios
Debt-to-Assets Ratio
 0.15 0.17 0.19 0.18 0.07
Debt-to-Equity Ratio
 1.45 1.66 1.84 1.81 0.66
Debt-to-Capital Ratio
 0.59 0.62 0.65 0.64 0.40
Long-Term Debt-to-Capital Ratio
 0.43 0.62 0.65 0.64 0.40
Financial Leverage Ratio
 9.62 9.69 9.79 10.28 9.23
Debt Service Coverage Ratio
 0.07 0.46 0.53 1.31 4.45
Interest Coverage Ratio
 0.45 0.42 0.52 1.38 4.10
Debt to Market Cap
 1.68 2.05 2.80 2.58 0.77
Interest Debt Per Share
 31.60 34.88 37.20 34.16 11.90
Net Debt to EBITDA
 -6.46 12.94 13.82 10.84 3.48
Profitability Margins
Gross Profit Margin
67.10%65.94%66.35%81.26%98.29%
EBIT Margin
15.16%14.75%17.70%24.80%32.60%
EBITDA Margin
18.10%20.55%23.08%31.17%44.89%
Operating Profit Margin
15.16%14.75%17.70%24.80%32.60%
Pretax Profit Margin
15.16%14.75%17.70%24.80%32.60%
Net Profit Margin
10.27%10.40%12.53%17.16%23.05%
Continuous Operations Profit Margin
10.27%10.40%12.53%17.16%23.05%
Net Income Per EBT
67.73%70.49%70.77%69.20%70.72%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.50%0.50%0.58%0.64%0.77%
Return on Equity (ROE)
4.77%4.87%5.66%6.63%7.07%
Return on Capital Employed (ROCE)
0.58%2.49%2.71%3.40%6.02%
Return on Invested Capital (ROIC)
2.91%1.75%1.92%2.36%4.26%
Return on Tangible Assets
0.50%0.50%0.58%0.64%0.77%
Earnings Yield
5.49%6.01%8.61%9.43%8.28%
Efficiency Ratios
Receivables Turnover
 14.15 14.27 13.69 13.49 13.30
Payables Turnover
 0.00 0.00 0.00 0.53 0.04
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.22 6.45 6.30 5.42 4.47
Asset Turnover
 0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
 1.34 -0.07 -0.07 -0.06 -0.04
Cash Conversion Cycle
 26.11 25.58 26.67 -660.89 -9.67K
Days of Sales Outstanding
 26.11 25.58 26.67 27.05 27.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 687.94 9.70K
Operating Cycle
 26.11 25.58 26.67 27.05 27.44
Cash Flow Ratios
Operating Cash Flow Per Share
 1.47 1.29 0.82 2.29 1.59
Free Cash Flow Per Share
 1.42 1.21 0.59 2.18 1.57
CapEx Per Share
 0.05 0.08 0.23 0.10 0.02
Free Cash Flow to Operating Cash Flow
 0.96 0.94 0.72 0.95 0.99
Dividend Paid and CapEx Coverage Ratio
 2.36 2.02 1.04 3.44 2.74
Capital Expenditure Coverage Ratio
 27.83 16.39 3.58 22.03 71.47
Operating Cash Flow Coverage Ratio
 0.05 0.04 0.02 0.07 0.14
Operating Cash Flow to Sales Ratio
 0.16 0.14 0.10 0.33 0.30
Free Cash Flow Yield
8.37%7.83%4.80%17.11%10.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 18.19 16.64 11.61 10.60 12.08
Price-to-Sales (P/S) Ratio
 1.84 1.73 1.45 1.82 2.78
Price-to-Book (P/B) Ratio
 0.88 0.81 0.66 0.70 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
 11.92 12.77 20.83 5.84 9.44
Price-to-Operating Cash Flow Ratio
 11.65 11.99 15.01 5.58 9.31
Price-to-Earnings Growth (PEG) Ratio
 -5.88 -1.36 -0.99 -4.35 0.55
Price-to-Fair Value
 0.88 0.81 0.66 0.70 0.85
Enterprise Value Multiple
 21.99 21.37 20.12 16.68 9.68
Enterprise Value
 52.52M 264.08M 272.45M 260.24M 171.39M
EV to EBITDA
 5.94 21.37 20.12 16.68 9.68
EV to Sales
 0.90 4.39 4.64 5.20 4.34
EV to Free Cash Flow
 5.72 32.38 66.52 16.70 14.74
EV to Operating Cash Flow
 5.52 30.41 47.92 15.94 14.53
Tangible Book Value Per Share
 19.59 19.14 18.72 18.16 17.38
Shareholders’ Equity Per Share
 19.59 19.14 18.72 18.16 17.38
Tax and Other Ratios
Effective Tax Rate
 0.32 0.30 0.29 0.31 0.29
Revenue Per Share
 9.19 8.96 8.45 7.01 5.33
Net Income Per Share
 0.94 0.93 1.06 1.20 1.23
Tax Burden
 0.68 0.70 0.71 0.69 0.71
Interest Burden
 1.27 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
 0.28 0.34 0.31 0.37 0.42
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.02 0.02
Income Quality
 1.44 1.39 0.77 1.90 1.30
Currency in USD