Provident Financial Holdings, Inc. PROV
18.42
0.05
0.27%
as of 25 Sep
- Market cap
- $114.5M
- P/E
- 17.7×
Follow PROV
Growth Flags
show if company had growth for consecutive years
| Jun '17 | Jun '18 | Jun '19 | Jun '20 | Jun '21 | Jun '22 | Jun '23 | Jun '24 | Jun '25 | Jun '26 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
29.62 | 66.34 | 36.42 | 13.15 | 17.10 | 12.16 | 10.54 | 11.59 | 16.49 | 16.54 |
P/S ratio |
2.08 | 2.25 | 2.83 | 2.13 | 3.24 | 2.78 | 1.82 | 1.45 | 1.73 | 1.85 |
P/FCF ratio |
1.81 | 5.24 | 1.50 | 12.96 | 11.36 | 9.44 | 5.84 | 20.83 | 12.76 | 12.93 |
P/Operating CF |
(18.50) | (31.32) | 4.61 | 24.74 | 50.60 | 24.74 | 20.30 | (112.87) | 41.98 | 32.80 |
P/B ratio |
1.19 | 1.20 | 1.33 | 0.81 | 1.01 | 0.85 | 0.70 | 0.66 | 0.81 | 0.87 |
Price to Tangible BV |
1.19 | 1.20 | 1.33 | 0.81 | 1.01 | 0.85 | 0.70 | 0.66 | 0.81 | 0.87 |
EV/Sales |
2.81 | 3.53 | 3.36 | 2.66 | 4.01 | 4.34 | 5.20 | 4.64 | 4.39 | 3.66 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
2.47 | 8.15 | 1.79 | 15.74 | 13.79 | 14.53 | 15.94 | 47.93 | 30.41 | 24.32 |
EV/FCF |
2.44 | 8.23 | 1.78 | 16.20 | 14.07 | 14.74 | 16.70 | 66.52 | 32.38 | 25.56 |
Quick Ratio |
0.08 | 0.05 | 0.08 | 0.13 | 0.07 | 0.02 | 0.07 | 0.06 | 0.06 | 0.05 |
Current Ratio |
1.16 | 1.13 | 1.11 | 1.12 | 0.97 | 0.99 | 1.18 | 1.23 | 1.22 | 1.17 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.51% | 10.73% | 9.32% | 11.99% | 8.53% | 7.16% | 17.63% | 18.75% | 17.11% | 13.00% |
Debt/Equity |
0.98 | 1.05 | 0.84 | 1.14 | 0.79 | 0.66 | 1.81 | 1.84 | 1.66 | 1.24 |
Asset Turnover |
0.06 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
16.03 | 13.13 | 24.25 | 1.03 | 1.53 | 1.30 | 1.90 | 0.77 | 1.39 | 1.35 |
Capex/Depreciation |
0.35 | (0.09) | 0.15 | (0.07) | (0.04) | (0.03) | (0.23) | (0.50) | (0.15) | (0.11) |
| 3.98% | 1.71% | 3.66% | 6.29% | 6.02% | 7.11% | 6.65% | 5.66% | 4.84% | 5.22% | |
| 0.44% | 0.18% | 0.39% | 0.68% | 0.64% | 0.77% | 0.68% | 0.56% | 0.50% | 0.54% | |
ROIC |
3.03% | 1.70% | 2.45% | 4.57% | 4.03% | 4.22% | 2.60% | 2.05% | 1.92% | 2.57% |
Return on Tangible Assets |
3.30% | 1.70% | 4.46% | 6.38% | (34.80%) | 502.38% | 4.57% | 3.43% | 3.00% | 3.90% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
78.84% | 81.52% | 78.68% | 63.90% | 62.92% | 59.46% | 57.21% | 48.54% | 50.08% | 51.02% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
2.03% | 1.63% | 1.53% | 2.03% | 3.28% | 2.02% | 2.37% | 0.41% | 0.90% | 1.00% |
Graham Net Nets |
0.16 | (0.07) | (0.06) | (0.31) | (1.02) | (0.84) | (0.62) | (0.39) | (0.13) | 0.04 |
Graham Number |
15.39 | 10.21 | 14.63 | 19.52 | 19.68 | 21.84 | 22.23 | 21.13 | 20.12 | 21.46 |
Earnings Yield |
3.38% | 1.51% | 2.75% | 7.61% | 5.85% | 8.23% | 9.49% | 8.62% | 6.06% | 6.05% |
Free Cash Flow Yield |
55.35% | 19.10% | 66.87% | 7.71% | 8.80% | 10.59% | 17.11% | 4.80% | 7.83% | 7.74% |
Revenue per Share |
9.25 | 8.57 | 7.60 | 6.29 | 5.33 | 5.33 | 7.01 | 8.45 | 8.96 | 9.29 |
Operating CF per Share |
10.54 | 3.71 | 14.31 | 1.07 | 1.55 | 1.59 | 2.29 | 0.82 | 1.29 | 1.40 |
Capex per Share |
0.12 | (0.04) | 0.06 | (0.03) | (0.03) | (0.02) | (0.10) | (0.23) | (0.08) | (0.07) |
Free Cash Flow per Share |
10.65 | 3.67 | 14.37 | 1.03 | 1.52 | 1.57 | 2.18 | 0.59 | 1.21 | 1.33 |
Cash per Share |
9.20 | 5.74 | 9.44 | 15.54 | 9.41 | 3.16 | 9.22 | 7.40 | 7.91 | 7.67 |
Shareholders Equity per Share |
16.19 | 15.97 | 16.12 | 16.60 | 17.05 | 17.38 | 18.16 | 18.72 | 19.14 | 19.67 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
16.19 | 15.97 | 16.12 | 16.60 | 17.05 | 17.38 | 18.16 | 18.72 | 19.14 | 19.67 |
Free Cash Flow |
84.36 | 27.71 | 107.56 | 7.73 | 11.35 | 11.63 | 15.58 | 4.10 | 8.16 | 8.54 |
Working Capital |
151.03 | 116.57 | 90.88 | 110.29 | (31.10) | (7.02) | 178.94 | 204.88 | 199.06 | 161.28 |
Capital Expenditures |
0.92 | (0.27) | 0.47 | (0.23) | (0.22) | (0.16) | (0.74) | (1.59) | (0.53) | (0.43) |
Net Current Asset Value |
24.81 | (9.60) | (10.23) | (30.76) | (132.09) | (92.02) | (56.07) | (33.62) | (14.02) | 4.24 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.01) | 0.00 | (0.01) | 0.00 | 0.01 | 0.00 | 0.01 | 0.03 | 0.01 | 0.01 |
Net Profit Margin |
7.11% | 3.30% | 7.76% | 16.37% | 19.01% | 23.05% | 17.16% | 12.53% | 10.40% | 11.16% |
Price to Operating Income |
17.29 | 26.25 | 27.17 | 9.19 | 12.66 | 8.54 | 7.34 | 8.22 | 11.73 | 11.45 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.40 | 0.36 | 0.37 | 0.33 | 0.67 | 0.55 | 0.35 | 0.34 | 0.37 | 0.42 |
Cash ROIC |
23.47% | 6.65% | 33.81% | (0.60%) | 0.74% | 1.25% | 1.65% | (0.86%) | (0.16%) | (0.08%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
51,707.53 | 52,878.83 | 50,746.17 | 54,964.84 | 76,435.02 | 113,329.07 | 39,237.48 | 16,654.32 | 15,597.17 | 17,258.15 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
946.40 | 937.55 | 896.02 | 887.46 | 933.57 | 964.36 | 970.82 | 936.01 | 903.88 | 914.45 |
Average Assets |
1,186.01 | 1,188.09 | 1,130.20 | 1,130.84 | 1,180.22 | 1,185.32 | 1,259.99 | 1,302.57 | 1,258.91 | 1,226.89 |
Average Common Equity |
130.84 | 124.34 | 120.55 | 122.31 | 125.63 | 127.97 | 129.17 | 129.81 | 129.24 | 127.38 |
Columns are period end dates