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STOCKS

Provident Financial Holdings, Inc (PROV)

NASDAQ:PROV

PROV

Provident Financial Holdings

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Provident Financial Holdings (PROV) Ratios

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115 Followers

Provident Financial Holdings Ratios

PROV's free cash flow for Q3 2025 was $0.90. For the 2025 fiscal year, PROV's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Jun 24	Jun 23	Jun 22	Jun 21
Liquidity Ratios
Current Ratio	0.43	0.43	1.62	4.43	6.58
Quick Ratio	0.84	0.84	3.10	8.65	12.91
Cash Ratio	0.39	0.39	1.31	4.05	6.16
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.10	0.10	0.66	0.67	0.42
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.13B	$ -1.13B	$ -1.03B	$ -979.46M	$ -928.84M
Leverage Ratios
Debt-to-Assets Ratio	0.18	0.18	0.07	0.09	0.12
Debt-to-Equity Ratio	1.81	1.81	0.66	0.79	1.14
Debt-to-Capital Ratio	0.64	0.64	0.40	0.44	0.53
Long-Term Debt-to-Capital Ratio	0.40	0.40	0.40	0.44	0.53
Financial Leverage Ratio	10.28	10.28	9.23	9.30	9.49
Debt Service Coverage Ratio	1.31	1.31	4.45	3.03	1.83
Interest Coverage Ratio	1.38	1.38	5.10	2.23	1.80
Debt to Market Cap	0.93	0.93	0.77	0.78	1.41
Interest Debt Per Share	34.16	34.16	11.90	14.14	19.70
Net Debt to EBITDA	10.84	10.84	3.48	1.87	1.75
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	30.24%	30.24%	35.41%	28.93%	26.64%
EBITDA Margin	38.00%	38.00%	48.76%	46.73%	34.93%
Operating Profit Margin	30.24%	30.24%	44.04%	28.93%	26.64%
Pretax Profit Margin	30.24%	30.24%	35.41%	28.93%	26.64%
Net Profit Margin	20.93%	20.93%	25.04%	21.47%	18.79%
Continuous Operations Profit Margin	20.93%	20.93%	25.04%	21.47%	18.79%
Net Income Per EBT	69.20%	69.20%	70.72%	74.22%	70.53%
EBT Per EBIT	100.00%	100.00%	80.40%	100.00%	100.00%
Return on Assets (ROA)	0.64%	0.64%	0.77%	0.64%	0.65%
Return on Equity (ROE)	6.63%	6.63%	7.07%	5.94%	6.20%
Return on Capital Employed (ROCE)	1.07%	1.07%	1.37%	0.87%	0.94%
Return on Invested Capital (ROIC)	12.32%	12.32%	5.43%	2.56%	3.22%
Return on Tangible Assets	0.73%	0.73%	0.91%	0.79%	0.65%
Earnings Yield	9.43%	9.43%	8.28%	5.86%	7.68%
Efficiency Ratios
Receivables Turnover	11.06	11.06	12.24	11.74	12.51
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	4.45	4.45	4.11	3.76	3.99
Asset Turnover	0.03	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.97	-0.97	1.03	0.43	0.50
Cash Conversion Cycle	32.99	32.99	29.81	31.09	29.18
Days of Sales Outstanding	32.99	32.99	29.81	31.09	29.18
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	32.99	32.99	29.81	31.09	29.18
Cash Flow Ratios
Operating Cash Flow Per Share	2.29	2.29	1.59	1.55	1.07
Free Cash Flow Per Share	2.18	2.18	1.57	1.52	1.03
CapEx Per Share	0.10	0.10	0.02	0.03	0.03
Free Cash Flow to Operating Cash Flow	0.95	0.95	0.99	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	3.44	3.44	2.74	2.63	1.80
Capital Expenditure Coverage Ratio	22.03	22.03	71.47	51.44	34.73
Operating Cash Flow Coverage Ratio	0.07	0.07	0.14	0.11	0.06
Operating Cash Flow to Sales Ratio	0.40	0.40	0.32	0.33	0.19
Free Cash Flow Yield	17.11%	17.11%	10.59%	8.80%	7.71%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.60	10.60	12.08	17.05	13.02
Price-to-Sales (P/S) Ratio	2.22	2.22	3.02	3.66	2.45
Price-to-Book (P/B) Ratio	0.70	0.70	0.85	1.01	0.81
Price-to-Free Cash Flow (P/FCF) Ratio	5.84	5.84	9.44	11.36	12.96
Price-to-Operating Cash Flow Ratio	5.58	5.58	9.31	11.14	12.59
Price-to-Earnings Growth (PEG) Ratio	-4.35	-4.35	0.55	-8.78	0.17
Price-to-Fair Value	0.70	0.70	0.85	1.01	0.81
Enterprise Value Multiple	16.68	16.68	9.68	9.70	8.76
Enterprise Value	260.24M	260.24M	171.39M	159.63M	125.15M
EV to EBITDA	16.68	16.68	9.68	9.70	8.76
EV to Sales	6.34	6.34	4.72	4.53	3.06
EV to Free Cash Flow	16.70	16.70	14.74	14.07	16.20
EV to Operating Cash Flow	15.94	15.94	14.53	13.79	15.73
Tangible Book Value Per Share	18.16	18.16	17.38	17.05	16.55
Shareholders’ Equity Per Share	18.16	18.16	17.38	17.05	16.60
Tax and Other Ratios
Effective Tax Rate	0.31	0.31	0.29	0.26	0.29
Revenue Per Share	5.75	5.75	4.90	4.72	5.48
Net Income Per Share	1.20	1.20	1.23	1.01	1.03
Tax Burden	0.69	0.69	0.71	0.74	0.71
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	0.45	0.45	0.45	0.45	0.47
Stock-Based Compensation to Revenue	0.03	0.03	0.02	0.04	0.02
Income Quality	1.90	1.90	1.30	1.53	1.03

Currency in USD

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