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STOCKS

Provident Financial Holdings, Inc (PROV)

NASDAQ:PROV

PROV

Provident Financial Holdings

RESEARCH TOOLSreports

Provident Financial Holdings (PROV) Ratios

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115 Followers

Provident Financial Holdings Ratios

PROV's free cash flow for Q4 2025 was $0.66. For the 2025 fiscal year, PROV's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.62	0.06	0.43	1.62	4.43
Quick Ratio	0.62	0.06	0.84	3.10	8.65
Cash Ratio	0.20	0.06	0.39	1.31	4.05
Solvency Ratio	<0.01	<0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	0.03	<0.01	0.10	0.66	0.67
Short-Term Operating Cash Flow Coverage	0.05	0.04	0.00	0.00	0.00
Net Current Asset Value	$ -950.36M	$ -1.08B	$ -1.13B	$ -1.03B	$ -979.46M
Leverage Ratios
Debt-to-Assets Ratio	0.17	0.19	0.18	0.07	0.09
Debt-to-Equity Ratio	1.66	1.84	1.81	0.66	0.79
Debt-to-Capital Ratio	0.62	0.65	0.64	0.40	0.44
Long-Term Debt-to-Capital Ratio	0.28	0.65	0.40	0.40	0.44
Financial Leverage Ratio	9.69	9.79	10.28	9.23	9.30
Debt Service Coverage Ratio	0.05	0.06	1.31	4.45	3.03
Interest Coverage Ratio	0.42	0.52	1.38	5.10	2.23
Debt to Market Cap	2.06	4.51	0.93	0.77	0.78
Interest Debt Per Share	35.46	37.20	34.16	11.90	14.14
Net Debt to EBITDA	14.01	13.82	10.84	3.48	1.87
Profitability Margins
Gross Profit Margin	65.94%	66.35%	100.00%	100.00%	100.00%
EBIT Margin	14.75%	17.70%	30.24%	35.41%	28.93%
EBITDA Margin	18.99%	23.08%	38.00%	48.76%	46.73%
Operating Profit Margin	14.75%	17.70%	30.24%	44.04%	28.93%
Pretax Profit Margin	14.75%	17.70%	30.24%	35.41%	28.93%
Net Profit Margin	10.40%	12.53%	20.93%	25.04%	21.47%
Continuous Operations Profit Margin	10.40%	12.53%	20.93%	25.04%	21.47%
Net Income Per EBT	70.49%	70.77%	69.20%	70.72%	74.22%
EBT Per EBIT	100.00%	100.00%	100.00%	80.40%	100.00%
Return on Assets (ROA)	0.50%	0.58%	0.64%	0.77%	0.64%
Return on Equity (ROE)	4.85%	5.66%	6.63%	7.07%	5.94%
Return on Capital Employed (ROCE)	0.91%	2.71%	1.07%	1.37%	0.87%
Return on Invested Capital (ROIC)	8.84%	1.39%	12.32%	5.43%	2.56%
Return on Tangible Assets	0.50%	0.58%	0.73%	0.91%	0.79%
Earnings Yield	6.01%	8.61%	9.43%	8.28%	5.86%
Efficiency Ratios
Receivables Turnover	14.27	13.69	11.06	12.24	11.74
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	6.45	6.30	4.45	4.11	3.76
Asset Turnover	0.05	0.05	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.10	-0.07	-0.97	1.03	0.43
Cash Conversion Cycle	25.58	26.67	32.99	29.81	31.09
Days of Sales Outstanding	25.58	26.67	32.99	29.81	31.09
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	25.58	26.67	32.99	29.81	31.09
Cash Flow Ratios
Operating Cash Flow Per Share	1.31	0.82	2.29	1.59	1.55
Free Cash Flow Per Share	1.23	0.59	2.18	1.57	1.52
CapEx Per Share	0.08	0.23	0.10	0.02	0.03
Free Cash Flow to Operating Cash Flow	0.94	0.72	0.95	0.99	0.98
Dividend Paid and CapEx Coverage Ratio	2.02	1.04	3.44	2.74	2.63
Capital Expenditure Coverage Ratio	16.39	3.58	22.03	71.47	51.44
Operating Cash Flow Coverage Ratio	0.04	0.02	0.07	0.14	0.11
Operating Cash Flow to Sales Ratio	0.14	0.10	0.40	0.32	0.33
Free Cash Flow Yield	7.87%	4.80%	17.11%	10.59%	8.80%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.64	11.61	10.60	12.08	17.05
Price-to-Sales (P/S) Ratio	1.72	1.45	2.22	3.02	3.66
Price-to-Book (P/B) Ratio	0.81	0.66	0.70	0.85	1.01
Price-to-Free Cash Flow (P/FCF) Ratio	12.71	20.83	5.84	9.44	11.36
Price-to-Operating Cash Flow Ratio	11.99	15.01	5.58	9.31	11.14
Price-to-Earnings Growth (PEG) Ratio	-5.38	-0.99	-4.35	0.55	-8.78
Price-to-Fair Value	0.81	0.66	0.70	0.85	1.01
Enterprise Value Multiple	23.08	20.12	16.68	9.68	9.70
Enterprise Value	263.64M	272.45M	260.24M	171.39M	159.63M
EV to EBITDA	23.08	20.12	16.68	9.68	9.70
EV to Sales	4.38	4.64	6.34	4.72	4.53
EV to Free Cash Flow	32.33	66.52	16.70	14.74	14.07
EV to Operating Cash Flow	30.36	47.92	15.94	14.53	13.79
Tangible Book Value Per Share	19.46	18.72	18.16	17.38	17.05
Shareholders’ Equity Per Share	19.46	18.72	18.16	17.38	17.05
Tax and Other Ratios
Effective Tax Rate	0.30	0.29	0.31	0.29	0.26
Revenue Per Share	9.11	8.45	5.75	4.90	4.72
Net Income Per Share	0.95	1.06	1.20	1.23	1.01
Tax Burden	0.70	0.71	0.69	0.71	0.74
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	0.25	0.31	0.45	0.45	0.45
Stock-Based Compensation to Revenue	<0.01	<0.01	0.03	0.02	0.04
Income Quality	1.39	0.77	1.90	1.30	1.53

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