Provident Financial Statements From 2010 to 2024

PFS Stock  USD 14.46  0.71  5.16%   
Provident Financial financial statements provide useful quarterly and yearly information to potential Provident Financial Services investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Provident Financial financial statements helps investors assess Provident Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Provident Financial's valuation are summarized below:
Gross Profit
497 M
Profit Margin
0.2845
Market Capitalization
B
Revenue
451.4 M
Earnings Share
1.71
There are over one hundred nineteen available trending fundamental ratios for Provident Financial, which can be analyzed over time and compared to other ratios. All traders should check out Provident Financial's recent fundamentals against the performance from 2010 to 2024 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 975.3 M in 2024. Enterprise Value is likely to drop to about 1.8 B in 2024

Provident Financial Total Revenue

730.43 Million

Check Provident Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Provident main balance sheet or income statement drivers, such as Interest Expense of 53 M, Selling General Administrative of 102.3 M or Total Revenue of 730.4 M, as well as many exotic indicators such as Price To Sales Ratio of 1.84, Dividend Yield of 0.0564 or PTB Ratio of 1.32. Provident financial statements analysis is a perfect complement when working with Provident Financial Valuation or Volatility modules.
  
This module can also supplement Provident Financial's financial leverage analysis and stock options assessment as well as various Provident Financial Technical models . Check out the analysis of Provident Financial Correlation against competitors.

Provident Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets8.8 B14.2 B9.6 B
Slightly volatile
Total Stockholder Equity1.2 B1.7 B1.2 B
Slightly volatile
Other Liabilities82.2 M102.4 M97.7 M
Slightly volatile
Retained Earnings548.3 M974.5 M591.5 M
Slightly volatile
Accounts Payable12.8 B12.1 B7.6 B
Slightly volatile
Cash172.6 M180.3 M198.8 M
Slightly volatile
Other Assets8.7 B10.4 B9.1 B
Pretty Stable
Long Term DebtB1.5 B1.2 B
Pretty Stable
Good Will380.1 M510.2 M384 M
Slightly volatile
Short Term Investments1.8 B1.7 B1.1 B
Slightly volatile
Total Liabilities6.3 B12.5 B6.4 B
Pretty Stable
Intangible Assets318.1 M457.9 M298.1 M
Pretty Stable
Property Plant Equipment73.7 M91.8 M72.2 M
Slightly volatile
Short and Long Term Debt Total1.2 BB1.2 B
Slightly volatile
Property Plant And Equipment Net75.2 M71 M71.1 M
Pretty Stable
Non Current Assets Total14.7 B14 B3.7 B
Slightly volatile
Net Receivables31.3 M59 M32.4 M
Slightly volatile
Common Stock Shares Outstanding69.3 M74.9 M65.3 M
Slightly volatile
Liabilities And Stockholders EquityB14.2 B9.7 B
Slightly volatile
Non Current Liabilities Total4.7 B4.5 B2.3 B
Slightly volatile
Other Stockholder Equity740.4 M861.2 M678.8 M
Slightly volatile
Property Plant And Equipment Gross202.5 M192.9 M103.2 M
Slightly volatile
Total Current Assets238.3 M250.9 MB
Slightly volatile
Other Current Assets238.3 M250.9 M3.2 B
Slightly volatile
Common Stock Total Equity897.8 K956.8 K830.2 K
Slightly volatile
Common Stock898.6 K956.8 K830.3 K
Slightly volatile
Total Current LiabilitiesBBB
Slightly volatile
Short Term Debt717.5 M1.1 BB
Slightly volatile
Other Current Liabilities7.3 B6.9 B6.7 B
Slightly volatile
Net Tangible Assets938.8 M1.3 B889.4 M
Slightly volatile
Retained Earnings Total Equity627.8 M1.1 B606.9 M
Slightly volatile
Long Term Debt Total1.4 B1.6 B1.3 B
Pretty Stable
Capital Surpluse802.5 M883 M981.8 M
Slightly volatile
Long Term InvestmentsB2.1 B5.8 B
Pretty Stable
Non Current Liabilities Other331.9 M316.1 M150.4 M
Slightly volatile
Short and Long Term Debt801.9 M494.9 MB
Slightly volatile
Earning AssetsB3.1 B1.9 B
Slightly volatile
Net Invested CapitalB3.1 B2.8 B
Very volatile
Capital Stock665.6 K748.8 K815.4 K
Slightly volatile

Provident Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Selling General Administrative102.3 M157.1 M111 M
Slightly volatile
Total Revenue730.4 M695.6 M379.3 M
Slightly volatile
Gross Profit680.7 M648.3 M342.2 M
Slightly volatile
Operating Income591.8 M563.6 M264.8 M
Slightly volatile
Cost Of Revenue28 M47.4 M35.7 M
Pretty Stable
Income Before Tax103.1 M175.8 M131 M
Slightly volatile
Net Income Applicable To Common Shares212.1 M202 M109.4 M
Slightly volatile
Net Income73 M128.4 M95.2 M
Slightly volatile
Income Tax Expense30.1 M47.4 M35.8 M
Slightly volatile
Depreciation And Amortization2.8 MM3.8 M
Slightly volatile
Selling And Marketing Expenses4.6 M4.8 M4.2 M
Slightly volatile
EBITDA2.8 MM154.1 M
Pretty Stable
Net Income From Continuing Ops126.7 M150.1 M115.9 M
Slightly volatile
Tax Provision47.3 M53.2 M41.1 M
Slightly volatile
Net Interest Income354.3 M417.7 M300.2 M
Slightly volatile
Interest Income424.1 M588.8 M356.9 M
Slightly volatile
Reconciled Depreciation14.2 M22.6 M12.4 M
Pretty Stable

Provident Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Income73 M128.4 M95.2 M
Slightly volatile
End Period Cash Flow189.3 M180.3 M200.9 M
Slightly volatile
Free Cash Flow114.3 M165.9 M120.7 M
Slightly volatile
Begin Period Cash Flow187.6 M186.5 M190.4 M
Slightly volatile
Other Cashflows From Financing Activities142.4 M149.9 MB
Slightly volatile
Depreciation16.8 M22.2 M14.7 M
Slightly volatile
Total Cash From Operating Activities122.9 M173.4 M128.9 M
Slightly volatile
Change To Inventory1.3 M1.7 M1.4 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.841.93986.2552
Slightly volatile
Dividend Yield0.05640.05370.0381
Slightly volatile
PTB Ratio1.320.79821.2051
Slightly volatile
Days Sales Outstanding50.7230.938948.6462
Slightly volatile
Book Value Per Share14.0722.588118.697
Slightly volatile
Free Cash Flow Yield0.06940.12290.0913
Pretty Stable
Invested Capital1.941.8491.2412
Slightly volatile
Operating Cash Flow Per Share1.42.31681.9342
Pretty Stable
PB Ratio1.320.79821.2051
Slightly volatile
EV To Sales4.34.5289.5205
Slightly volatile
Free Cash Flow Per Share1.32.21671.8103
Slightly volatile
ROIC0.0920.08550.0729
Slightly volatile
Net Income Per Share1.81.71551.4814
Slightly volatile
Sales General And Administrative To Revenue0.370.22580.3315
Slightly volatile
Cash Per Share26.2424.9919.8185
Slightly volatile
POCF Ratio12.577.782510.6473
Pretty Stable
Interest Coverage10.49.90395.4764
Slightly volatile
Payout Ratio0.380.56420.5125
Very volatile
PFCF Ratio14.158.133711.4805
Pretty Stable
Income Quality2.061.35051.6127
Slightly volatile
ROE0.04580.07590.0743
Pretty Stable
EV To Operating Cash Flow23.3218.16619.2356
Very volatile
PE Ratio20.8910.509916.1314
Slightly volatile
Return On Tangible Assets0.00640.00930.01
Pretty Stable
EV To Free Cash Flow26.618.985920.7821
Very volatile
Earnings Yield0.09990.09510.0733
Slightly volatile
Intangibles To Total Assets0.05050.03220.0409
Very volatile
Current Ratio0.02970.03131.6059
Slightly volatile
Tangible Book Value Per Share20.810.542336.5093
Slightly volatile
Receivables Turnover7.7211.797510.1207
Pretty Stable
Graham Number17.3529.527824.3837
Slightly volatile
Shareholders Equity Per Share14.0722.588118.697
Slightly volatile
Debt To Equity1.941.8491.2412
Slightly volatile
Revenue Per Share9.769.29465.4585
Slightly volatile
Interest Debt Per Share44.6542.526625.5928
Slightly volatile
Debt To Assets0.120.220.152
Pretty Stable
Enterprise Value Over EBITDA1.1 K1.1 K157
Slightly volatile
Short Term Coverage Ratios0.280.15140.2026
Very volatile
Price Earnings Ratio20.8910.509916.1314
Slightly volatile
Price Book Value Ratio1.320.79821.2051
Slightly volatile
Dividend Payout Ratio0.380.56420.5125
Very volatile
Price To Operating Cash Flows Ratio12.577.782510.6473
Pretty Stable
Price To Free Cash Flows Ratio14.158.133711.4805
Pretty Stable
Pretax Profit Margin0.410.25270.4648
Slightly volatile
Ebt Per Ebit0.270.31190.5294
Slightly volatile
Operating Profit Margin1.20.81021.0517
Slightly volatile
Effective Tax Rate0.290.26950.2786
Slightly volatile
Company Equity Multiplier5.978.40587.6914
Pretty Stable
Long Term Debt To Capitalization0.380.53950.4813
Slightly volatile
Total Debt To Capitalization0.410.6490.5251
Pretty Stable
Return On Capital Employed0.09560.09110.0438
Slightly volatile
Debt Equity Ratio1.941.8491.2412
Slightly volatile
Ebit Per Revenue1.20.81021.0517
Slightly volatile
Quick Ratio0.320.24050.2394
Pretty Stable
Net Income Per E B T0.590.73050.7134
Very volatile
Cash Ratio0.02130.02250.063
Slightly volatile
Operating Cash Flow Sales Ratio0.240.24930.6807
Slightly volatile
Days Of Sales Outstanding50.7230.938948.6462
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.730.95680.9189
Pretty Stable
Cash Flow Coverage Ratios0.05270.05550.1191
Slightly volatile
Price To Book Ratio1.320.79821.2051
Slightly volatile
Fixed Asset Turnover10.299.79815.1647
Slightly volatile
Price Cash Flow Ratio12.577.782510.6473
Pretty Stable
Enterprise Value Multiple1.1 K1.1 K157
Slightly volatile
Debt Ratio0.120.220.152
Pretty Stable
Cash Flow To Debt Ratio0.05270.05550.1191
Slightly volatile
Price Sales Ratio1.841.93986.2552
Slightly volatile
Return On Assets0.00610.0090.0095
Pretty Stable
Asset Turnover0.02660.0490.0331
Slightly volatile
Net Profit Margin0.280.18460.3316
Slightly volatile
Gross Profit Margin0.720.93190.8952
Pretty Stable
Price Fair Value1.320.79821.2051
Slightly volatile
Return On Equity0.04580.07590.0743
Pretty Stable

Provident Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap975.3 M1.3 B1.3 B
Slightly volatile
Enterprise Value1.8 B3.1 B2.4 B
Pretty Stable

Provident Fundamental Market Drivers

Forward Price Earnings7.8555
Cash And Short Term Investments-180.2 M

Provident Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Provident Financial Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include Provident Financial income statement, its balance sheet, and the statement of cash flows. Provident Financial investors use historical funamental indicators, such as Provident Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Provident Financial investors may use each financial statement separately, they are all related. The changes in Provident Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Provident Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Provident Financial Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Provident Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue695.6 M730.4 M
Cost Of Revenue47.4 M28 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.23  0.37 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0.01)(0.01)
Revenue Per Share 9.29  9.76 
Ebit Per Revenue 0.81  1.20 
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Provident Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Provident Financial's short interest history, or implied volatility extrapolated from Provident Financial options trading.

Becoming a Better Investor with Macroaxis

Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as Provident Financial using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.

Build Optimal Portfolios

Align your risk with return expectations

Fix your portfolio
By capturing your risk tolerance and investment horizon Macroaxis technology of instant portfolio optimization will compute exactly how much risk is acceptable for your desired return expectations
When determining whether Provident Financial is a strong investment it is important to analyze Provident Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Provident Financial's future performance. For an informed investment choice regarding Provident Stock, refer to the following important reports:
Check out the analysis of Provident Financial Correlation against competitors.
Note that the Provident Financial information on this page should be used as a complementary analysis to other Provident Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the My Watchlist Analysis module to analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like.

Complementary Tools for Provident Stock analysis

When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.
AI Investment Finder
Use AI to screen and filter profitable investment opportunities
Idea Breakdown
Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes
Funds Screener
Find actively-traded funds from around the world traded on over 30 global exchanges
Technical Analysis
Check basic technical indicators and analysis based on most latest market data
Cryptocurrency Center
Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency
Bond Analysis
Evaluate and analyze corporate bonds as a potential investment for your portfolios.
Economic Indicators
Top statistical indicators that provide insights into how an economy is performing
Price Ceiling Movement
Calculate and plot Price Ceiling Movement for different equity instruments
Premium Stories
Follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope
Equity Search
Search for actively traded equities including funds and ETFs from over 30 global markets
USA ETFs
Find actively traded Exchange Traded Funds (ETF) in USA
Is Provident Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Provident Financial. If investors know Provident will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Provident Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.45)
Dividend Share
0.96
Earnings Share
1.71
Revenue Per Share
6.031
Quarterly Revenue Growth
(0.11)
The market value of Provident Financial is measured differently than its book value, which is the value of Provident that is recorded on the company's balance sheet. Investors also form their own opinion of Provident Financial's value that differs from its market value or its book value, called intrinsic value, which is Provident Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Provident Financial's market value can be influenced by many factors that don't directly affect Provident Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Provident Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Provident Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Provident Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.