Provident Financial Holdings, Inc. (PROV) Financial Ratios Annual - Discounting Cash Flows
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PROV
Provident Financial Holdings, Inc.
PROV (NASDAQ)
  • Financials

  • Provident Financial Holdings, Inc. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
06-30 		2024
06-30 		2023
06-30 		2022
06-30 		2021
06-30 		2020
06-30 		2019
06-30 		2018
06-30 		2017
06-30 		2016
06-30 		2015
06-30 		2014
06-30 		2013
06-30 		2012
06-30 		2011
06-30 		2010
06-30 		2009
06-30 		2008
06-30 		2007
06-30 		2006
06-30 		2005
06-30 		2004
06-30 		2003
06-30 		2002
06-30 		2001
06-30 		2000
06-30 		1999
06-30 		1998
06-30 		1997
06-30 		1996
06-30
Price Ratios
Price to Earnings Ratio 17.46 16.64 11.61 10.6 12.08 17.05 13.02 36.42 67.53 29.27 20.44 15.36 21.85 6.56 11.97 6.9 38.4 -4.62 67.74 14.53 9.68 9.91 10.56 8.24 12.9 9.18 7 7.76 18.2 40.55 20.1
Price to Sales Ratio 1.76 1.73 1.45 1.82 2.78 3.24 2.13 2.83 2.23 2.08 2 1.88 2.07 1.42 1.37 0.971 0.463 0.324 0.577 1.38 1.76 1.85 1.93 1.63 1.43 0.861 0.587 1.05 1.53 1.53 1.52
Price to Book Ratio 0.821 0.81 0.657 0.702 0.853 1.01 0.807 1.33 1.19 1.19 1.14 1.07 0.989 1.06 0.894 0.644 0.335 0.299 0.47 1.27 1.46 1.51 1.45 1.3 1.14 0.839 0.571 0.909 1.05 0.902 0.656
Price to Free Cash Flow Ratio 12.9 12.77 20.83 5.84 9.44 11.36 12.96 1.51 5.74 1.87 3.31 -2.59 3.02 3.14 -8.67 -27.7 74.6 -0.397 1.22 3.46 3.37 -3.44 4.76 -7.6 1.43 -1.02 13.68 2.45 -2.1 2.08 -6.74
Price to Operating Cash Flow Ratio 12.22 11.99 15.01 5.58 9.31 11.14 12.59 1.5 5.14 1.83 3.2 -2.61 2.97 3.07 -10.5 -37.79 44.19 -0.401 1.21 3.37 3.33 -3.48 4.6 -8.23 1.39 -1.04 10.94 2.31 -2.16 2.03 -7.27
Price Earnings to Growth Ratio -8.21 -1.36 -0.995 -4.35 0.554 -8.78 0.175 0.329 -1.17 -1.04 -1.31 0.245 -0.302 0.043 -0.694 0.009 -0.346 0.005 -0.743 -0.298 1.06 0.37 -1.92 0.082 2.92 0.323 0.404 0.165 0.099 -1.62 0
EV to EBITDA 21.85 21.36 19.98 16.54 9.53 9.48 8.42 20.61 25.33 17.15 12.29 7.73 3.8 1.4 4.37 6.29 75.62 -34.31 93.4 28.91 18.49 24.73 14.28 13.39 16.34 18.29 25.42 14.94 23.22 14.83 6.57
Liquidity Ratios
Current Ratio 0.062 0.065 0.065 0.085 0.045 0.096 0.15 0.109 0.076 0.108 0.09 0.126 0.172 0.265 0.2 0.185 0.145 0.088 0.022 0.079 0.131 0.178 0.136 0.214 0.144 0.21 0.028 0.032 0.047 0.045 0.071
Quick Ratio 0.062 0.065 0.065 0.085 0.045 0.096 0.15 0.109 0.076 0.108 0.09 0.126 0.172 0.265 0.2 0.185 0.145 0.088 0.022 0.079 0.131 0.178 0.136 0.214 0.144 0.21 0.028 0.032 0.047 0.045 0.071
Cash Ratio 0.056 0.06 0.058 0.068 0.024 0.074 0.127 0.082 0.047 0.077 0.054 0.086 0.13 0.205 0.147 0.151 0.103 0.058 0.015 0.013 0.017 0.023 0.04 0.062 0.04 0.033 0.02 0.024 0.039 0.038 0.064
Debt Ratio 0.173 0.171 0.187 0.176 0.072 0.085 0.12 0.093 0.107 0.105 0.078 0.078 0.037 0.088 0.1 0.157 0.221 0.289 0.294 0.305 0.337 0.452 0.246 0.292 0.201 0.238 0.298 0.224 0.162 0.011 0.015
Debt to Equity Ratio 1.66 1.66 1.84 1.81 0.661 0.793 1.14 0.838 1.05 0.984 0.684 0.647 0.284 0.666 0.874 1.46 2.42 3.97 3.87 3.9 4.01 6 2.95 3.44 1.97 2.73 3.84 2.39 1.52 0.08 0.1
Long Term Debt to Capitalization 0.624 0.624 0.647 0.644 0.398 0.442 0.532 0.456 0.512 0.496 0.406 0.393 0.221 0.4 0.466 0.593 0.708 0.799 0.795 0.796 0.8 0.82 0.699 0.775 0.663 0.678 0.567 0.373 0.604 0.074 0.091
Total Debt to Capitalization 0.624 0.624 0.647 0.644 0.398 0.442 0.532 0.456 0.512 0.496 0.406 0.393 0.221 0.4 0.466 0.593 0.708 0.799 0.795 0.796 0.8 0.857 0.747 0.775 0.663 0.732 0.793 0.705 0.604 0.074 0.091
Interest Coverage Ratio 0.427 0.419 0.524 1.38 4.1 2.23 1.8 0.954 0.862 1.32 1.84 2.66 1.58 3.95 1.27 1.11 0.061 -0.348 0.059 0.345 0.851 0.994 1.03 0.994 0.398 0.28 0.258 0.526 0.296 0.132 0.164
Cash Flow to Debt Ratio 0.04 0.041 0.024 0.069 0.139 0.115 0.056 1.06 0.222 0.661 0.523 -0.632 1.17 0.517 -0.097 -0.012 0.003 -0.188 0.1 0.097 0.109 -0.072 0.106 -0.046 0.417 -0.296 0.014 0.165 -0.319 5.59 -0.904
Margins
Gross Profit Margin 66.22% 65.94% 66.35% 81.26% 98.29% 90.31% 84.73% 89.92% 90.91% 92.3% 93.11% 93.71% 94.33% 92.2% 78.35% 71.9% 43.27% 14.42% 33.22% 45.78% 61.27% 65.35% 67.51% 65.59% 51.63% 42.54% 43.38% 55.03% 48.48% 50.6% 25.56%
Operating Profit Margin 14.83% 14.75% 17.7% 24.8% 32.6% 25.61% 23.21% 10.41% 8.55% 12.04% 16.82% 21.33% 16.65% 35.78% 19.81% 24.77% 2.01% -13.83% 3.2% 17.22% 32.1% 32.8% 32.55% 32.99% 18.99% 16.08% 14.53% 23.31% 14.65% 6.18% 11.19%
Pretax Profit Margin 14.83% 14.75% 17.7% 24.8% 32.6% 25.61% 23.21% 10.41% 8.55% 12.04% 16.82% 21.33% 16.65% 35.78% 19.81% 24.77% 2.01% -13.83% 3.2% 17.22% 32.1% 32.8% 32.55% 32.99% 18.99% 16.08% 14.53% 23.31% 14.65% 6.18% 11.19%
Net Profit Margin 10.04% 10.4% 12.53% 17.16% 23.05% 19.01% 16.37% 7.76% 3.3% 7.11% 9.79% 12.24% 9.47% 21.61% 11.43% 14.07% 1.21% -7.01% 0.852% 9.52% 18.2% 18.72% 18.31% 19.72% 11.09% 9.38% 8.39% 13.53% 8.42% 3.78% 7.59%
Operating Cash Flow Margin 14.34% 14.44% 9.69% 32.61% 29.9% 29.1% 16.93% 188.2% 43.32% 113.9% 62.51% -72.14% 69.57% 46.13% -13.03% -2.57% 1.05% -80.83% 47.6% 40.99% 52.93% -53.26% 41.99% -19.76% 102.9% -83.12% 5.37% 45.47% -71.04% 75.7% -20.96%
Free Cash Flow Margin 13.67% 13.56% 6.98% 31.13% 29.48% 28.53% 16.44% 187.5% 38.81% 111.2% 60.52% -72.61% 68.55% 45.2% -15.77% -3.5% 0.621% -81.58% 47.2% 39.95% 52.32% -53.92% 40.65% -21.38% 100.1% -84.7% 4.29% 42.89% -73.06% 73.9% -22.61%
Return
Return on Assets 0.49% 0.502% 0.578% 0.645% 0.766% 0.639% 0.653% 0.407% 0.181% 0.434% 0.638% 0.835% 0.597% 2.13% 0.857% 1.01% 0.08% -0.471% 0.053% 0.685% 1.27% 1.15% 1.14% 1.34% 0.906% 0.795% 0.632% 1.1% 0.613% 0.309% 0.48%
Return on Equity 4.69% 4.87% 5.66% 6.63% 7.07% 5.94% 6.2% 3.66% 1.77% 4.06% 5.6% 6.95% 4.53% 16.13% 7.47% 9.33% 0.873% -6.47% 0.694% 8.75% 15.08% 15.2% 13.7% 15.8% 8.84% 9.14% 8.16% 11.71% 5.77% 2.22% 3.26%
Return on Capital Employed 2.51% 2.49% 2.71% 3.4% 6.02% 4.46% 4.11% 2.67% 2.24% 3.46% 5.72% 7.35% 6.2% 16.03% 6.91% 6.31% 0.398% -2.49% 0.535% 3.24% 5.31% 6.47% 7.32% 5.95% 5.1% 5.05% 6.11% 12.67% 3.98% 3.36% 3.92%
Return on Invested Capital 1.97% 2.06% 2.21% 2.88% 4.78% 4.79% 5.16% 2.92% 1.05% 2.87% 4.31% 6.49% 9.66% 35.52% 8.57% 5.84% 0.301% -1.39% 0.146% 1.83% 3.08% 3.89% 4.6% 3.96% 3.28% 3.23% 3.89% 8.52% 2.56% 2.63% 3.76%
Turnover Ratios
Receivables Turnover Ratio 14.39 14.27 13.69 13.49 13.3 13.26 14.36 16.61 20.11 25.12 27.46 28.21 28.08 39.89 28.86 24.87 19.91 17.23 13.88 1.75 1.06 0.574 0.9 0.715 1.13 0.657 11.7 12.94 12.12 14.76 12
Payables Turnover Ratio 0 0 0 0.531 0.038 0.222 0.381 0.263 0.275 0.287 0.26 0.28 0.193 0.431 0.727 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 6.69 6.45 6.3 5.42 4.47 4.24 4.58 6.92 7.43 11.03 12.64 14.78 10.95 17.84 14.33 19.55 15.82 16.72 15.5 16.64 16.45 13.42 10.4 10.64 10.11 4.9 11.49 9.24 8.03 7.38 2.88
Asset Turnover Ratio 0.049 0.048 0.046 0.038 0.033 0.034 0.04 0.052 0.055 0.061 0.065 0.068 0.063 0.099 0.075 0.071 0.066 0.067 0.062 0.072 0.07 0.061 0.062 0.068 0.082 0.085 0.075 0.081 0.073 0.082 0.063
Per Share Items ()
Revenue Per Share 9.3 8.96 8.45 7.01 5.33 5.33 6.29 7.6 8.57 9.25 9.15 8.9 7.03 11.26 8.43 8.25 10.36 17.11 16.36 18.07 17.02 15.15 12.23 12.03 10.64 12.02 10.54 8.47 6.02 4.81 3.21
Operating Cash Flow Per Share 1.33 1.29 0.819 2.29 1.59 1.55 1.07 14.3 3.71 10.54 5.72 -6.42 4.89 5.19 -1.1 -0.212 0.109 -13.83 7.79 7.41 9.01 -8.07 5.14 -2.38 10.94 -9.99 0.566 3.85 -4.28 3.64 -0.672
Free Cash Flow Per Share 1.27 1.21 0.59 2.18 1.57 1.52 1.03 14.24 3.32 10.28 5.54 -6.46 4.82 5.09 -1.33 -0.289 0.064 -13.96 7.72 7.22 8.91 -8.17 4.97 -2.57 10.65 -10.18 0.453 3.63 -4.4 3.56 -0.725
Cash & Short Term Investments 7.68 7.92 7.67 9.52 3.52 9.89 16.18 10.23 6.74 10.37 7.52 10.62 13.63 20.13 14.97 12.52 10.78 9.17 2.45 1.96 2.47 3.93 5.7 6.86 3.59 3.4 2.31 2.15 2.37 1.93 2.67
Earnings Per Share 0.934 0.931 1.06 1.2 1.23 1.01 1.03 0.59 0.283 0.658 0.895 1.09 0.666 2.43 0.963 1.16 0.125 -1.2 0.139 1.72 3.1 2.84 2.24 2.37 1.18 1.13 0.884 1.14 0.507 0.182 0.243
EBITDA Per Share 1.9 1.84 1.95 2.18 2.39 2.2 1.91 1.2 1.15 1.45 1.77 2.1 1.34 4.19 1.79 2.17 0.38 -2.04 0.906 3.45 5.95 5.5 4.64 4.81 2.32 2.22 1.79 2.02 0.871 0.412 0.451
Dividend Per Share 0.561 0.561 0.56 0.56 0.56 0.559 0.56 0.56 0.561 0.52 0.481 0.451 0.399 0.24 0.14 0.04 0.039 0.16 0.648 0.706 0.612 0.553 0.357 0.145 0 0 0 0 0 0 0
Enterprise Value Per Share 41.61 39.31 38.98 36.13 22.79 20.9 16.13 24.76 29.07 24.82 21.72 16.27 5.09 5.88 7.83 13.63 28.73 70 84.66 99.71 109.9 136.1 66.24 64.4 37.86 40.64 45.52 30.13 20.23 6.11 2.96
Book Value Per Share 19.89 19.14 18.72 18.16 17.38 17.05 16.61 16.11 15.97 16.19 15.99 15.69 14.69 15.09 12.9 12.45 14.32 18.53 20.09 19.66 20.55 18.65 16.35 15.02 13.35 12.33 10.84 9.78 8.79 8.19 7.46
Price Per Share 16.33 15.5 12.29 12.75 14.83 17.27 13.41 21.49 19.08 19.25 18.3 16.74 14.54 15.96 11.53 8.01 4.8 5.54 9.44 25 30 28.11 23.65 19.56 15.22 10.34 6.19 8.89 9.22 7.39 4.89
Dividend Ratios
Dividend Payout Ratio 61.73% 60.21% 52.88% 46.53% 45.6% 55.19% 54.4% 94.95% 198.4% 79.11% 53.71% 41.36% 60.01% 9.85% 14.54% 3.45% 31.57% -13.36% 465.2% 41.02% 19.74% 19.5% 15.93% 6.12% 0.011% 0% 0% 0% 0% 0% 0%
Annual Dividend Yield 3.44% 3.62% 4.56% 4.39% 3.78% 3.24% 4.18% 2.61% 2.94% 2.7% 2.63% 2.69% 2.75% 1.5% 1.21% 0.5% 0.822% 2.89% 6.87% 2.82% 2.04% 1.97% 1.51% 0.743% 0.001% 0% 0% 0% 0% 0% 0%
Effective Tax Rate 32.32% 29.51% 29.23% 30.8% 29.28% 25.78% 29.47% 25.39% 61.44% 40.94% 41.82% 42.61% 43.1% 39.6% 42.31% 43.19% 39.89% 49.31% 73.36% 44.7% 43.28% 42.95% 43.74% 40.21% 41.58% 41.69% 42.26% 41.99% 42.53% 38.71% 32.19%
Short Term Coverage Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -0.301 0.501 0 0 -1.29 0.021 0.219 0 0 0
Capital Expenditure Coverage Ratio 21.39 16.39 3.58 22.03 71.47 51.44 34.73 238.5 9.62 55.96 31.47 -153.7 67.86 49.56 -4.75 -2.75 2.45 -107.6 121.7 39.34 86.8 -80.87 31.47 -12.22 37.76 -52.83 4.99 17.65 -35.17 42.22 -12.73
EBIT Per Revenue 0.148 0.148 0.177 0.248 0.326 0.256 0.232 0.104 0.086 0.12 0.168 0.213 0.166 0.358 0.198 0.248 0.02 -0.138 0.032 0.172 0.321 0.328 0.325 0.33 0.19 0.161 0.145 0.233 0.146 0.062 0.112
EBITDA Per Revenue 0.205 0.205 0.231 0.312 0.449 0.414 0.304 0.158 0.134 0.156 0.193 0.236 0.19 0.372 0.212 0.263 0.037 -0.119 0.055 0.191 0.349 0.363 0.379 0.4 0.218 0.185 0.17 0.238 0.145 0.086 0.141
Days of Sales Outstanding 25.37 25.58 26.67 27.05 27.44 27.52 25.42 21.97 18.15 14.53 13.29 12.94 13 9.15 12.65 14.68 18.34 21.18 26.29 208.6 345.2 636 405.5 510.8 323.8 555.7 31.19 28.21 30.11 24.72 30.43
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 0 687.9 9,699 1,644 958.8 1,390 1,325 1,273 1,405 1,303 1,888 846 502.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cash Conversion Cycle 25.37 25.58 26.67 -660.9 -9,672 -1,617 -933.4 -1,368 -1,307 -1,258 -1,392 -1,290 -1,875 -836.8 -489.6 14.68 18.34 21.18 26.29 208.6 345.2 636 405.5 510.8 323.8 555.7 31.19 28.21 30.11 24.72 30.43
Cash Conversion Ratio 1.43 1.39 0.773 1.9 1.3 1.53 1.03 24.25 13.13 16.02 6.39 -5.89 7.34 2.13 -1.14 -0.183 0.869 11.53 55.87 4.3 2.91 -2.85 2.29 -1 9.27 -8.86 0.64 3.36 -8.44 20 -2.76
Free Cash Flow to Earnings 1.36 1.3 0.557 1.81 1.28 1.5 1 24.14 11.77 15.64 6.18 -5.93 7.24 2.09 -1.38 -0.249 0.515 11.64 55.42 4.2 2.87 -2.88 2.22 -1.08 9.03 -9.03 0.512 3.17 -8.68 19.53 -2.98

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