Provident Financial Statements From 2010 to 2024

PROV Stock  USD 12.99  0.06  0.46%   
Provident Financial financial statements provide useful quarterly and yearly information to potential Provident Financial Holdings 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
38.8 M
Profit Margin
0.1991
Market Capitalization
90.4 M
Revenue
40.4 M
Earnings Share
1.14
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 should check out Provident Financial's recent fundamental trends against the trends from 2010 to 2024 to make sure the company is sustainable. Market Cap is likely to climb to about 91.4 M in 2024, whereas Enterprise Value is likely to drop slightly above 275 M in 2024.

Provident Financial Total Revenue

59.38 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 Depreciation And Amortization of 2.8 M, Interest Expense of 7.7 M or Selling General Administrative of 27.2 M, as well as many exotic indicators such as Price To Sales Ratio of 2.56, Dividend Yield of 0.0199 or PTB Ratio of 0.78. Provident financial statements analysis is a perfect complement when working with Provident Financial Valuation or Volatility modules.
  
This module can also supplement 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 Assets1.3 B1.5 B1.2 B
Slightly volatile
Short and Long Term Debt Total180 M211.5 M118.2 M
Slightly volatile
Total Stockholder Equity131.8 M149.1 M131.4 M
Very volatile
Property Plant And Equipment Net7.1 M8.3 MM
Pretty Stable
Retained Earnings152.2 M238.4 M180.4 M
Slightly volatile
Cash65.7 M75.7 M81.7 M
Slightly volatile
Non Current Assets Total200.1 M190.6 M95.8 M
Slightly volatile
Other Assets1.1 B1.3 BB
Slightly volatile
Cash And Short Term Investments69.6 M78.2 M88.6 M
Slightly volatile
Net Receivables3.2 M3.3 M3.1 M
Slightly volatile
Common Stock Total Equity156.3 K210.4 K171.6 K
Slightly volatile
Common Stock Shares Outstanding6.8 M6.5 M8.5 M
Slightly volatile
Liabilities And Stockholders Equity1.3 B1.5 B1.2 B
Slightly volatile
Non Current Liabilities Total72.7 M76.5 M92 M
Pretty Stable
Total Liabilities1.2 B1.4 BB
Slightly volatile
Property Plant And Equipment Gross28.8 M27.4 M12.7 M
Slightly volatile
Total Current Assets113.9 M64.5 M86.9 M
Very volatile
Common Stock156.3 K210.4 K171.7 K
Slightly volatile
Total Current Liabilities158.5 M150.9 M67.8 M
Pretty Stable
Short Term Debt82 M135 M95.2 M
Pretty Stable
Other Liabilities230.8 K243 K6.2 M
Slightly volatile
Accounts Payable15.1 M15.9 M126.9 M
Slightly volatile
Long Term Debt135.4 M76.5 M97.4 M
Pretty Stable
Property Plant Equipment8.1 M10.6 M7.9 M
Slightly volatile
Short Term Investments1.8 M1.9 M15.9 M
Slightly volatile
Net Tangible Assets106.9 M116.7 M131.5 M
Slightly volatile
Retained Earnings Total Equity208.5 M238.4 M191.9 M
Slightly volatile
Capital Surpluse102.4 M114.4 M94.7 M
Slightly volatile
Long Term Investments133.8 M140.8 M626.6 M
Slightly volatile
Intangible Assets567.5 K439.3 K474.9 K
Pretty Stable
Other Current Assets93 M62.6 M120.2 M
Slightly volatile
Short and Long Term Debt94 M172.5 M100.5 M
Slightly volatile
Earning Assets159.9 M97.4 M178.7 M
Slightly volatile
Net Invested Capital282 M419.4 M268.2 M
Slightly volatile
Capital Stock200.4 K210.4 K184.7 K
Slightly volatile

Provident Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization2.8 M3.7 M2.8 M
Slightly volatile
Interest Expense7.7 M8.1 M8.6 M
Slightly volatile
Selling General Administrative27.2 M21.2 M30.4 M
Slightly volatile
Total Revenue59.4 M47.2 M56.1 M
Slightly volatile
Gross Profit59.4 M47.2 M56.1 M
Slightly volatile
Other Operating Expenses34.6 M32.9 M17.6 M
Slightly volatile
EBIT10.6 M11.2 M19.3 M
Slightly volatile
EBITDA13.3 M14 M22.1 M
Slightly volatile
Income Before Tax11.6 M11.2 M13.1 M
Slightly volatile
Net Income6.9 M7.7 M8.2 M
Pretty Stable
Income Tax Expense4.7 M3.4 M4.9 M
Slightly volatile
Selling And Marketing Expenses1.1 M715.3 K1.1 M
Slightly volatile
Net Income Applicable To Common Shares7.9 M7.7 M8.5 M
Slightly volatile
Net Income From Continuing Ops7.3 M7.7 M45.3 M
Slightly volatile
Tax Provision3.1 M3.4 M4.7 M
Slightly volatile
Net Interest Income38.1 M42.5 M35 M
Slightly volatile
Interest Income32.6 M41.4 M40 M
Pretty Stable
Reconciled Depreciation4.2 M3.7 M3.3 M
Slightly volatile

Provident Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow25.6 M26.9 M79.6 M
Slightly volatile
Depreciation2.8 M3.7 M2.8 M
Slightly volatile
Capital Expenditures840.6 K666.9 K976 K
Slightly volatile
Net Income6.9 M7.7 M8.2 M
Pretty Stable
End Period Cash Flow74.6 M75.7 M82.3 M
Slightly volatile
Dividends Paid3.3 M4.6 M3.5 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.562.552.597
Very volatile
Dividend Yield0.01990.03950.027
Slightly volatile
PTB Ratio0.780.630.9542
Pretty Stable
Days Sales Outstanding36.0437.9428.1447
Very volatile
Book Value Per Share11.9516.3415.1704
Slightly volatile
Invested Capital2.132.081.0291
Slightly volatile
PB Ratio0.780.630.9542
Pretty Stable
EV To Sales6.017.293.587
Slightly volatile
Net Income Per Share1.181.380.992
Pretty Stable
Sales General And Administrative To Revenue0.380.40.5494
Slightly volatile
Cash Per Share10.948.5710.2277
Pretty Stable
Payout Ratio0.490.420.562
Pretty Stable
ROE0.07790.07620.0632
Very volatile
PE Ratio15.389.5420.4379
Very volatile
Return On Tangible Assets0.0080.00840.0075
Pretty Stable
Earnings Yield0.07190.110.0679
Very volatile
Intangibles To Total Assets0.07620.110.0445
Slightly volatile
Current Ratio0.370.384.1715
Slightly volatile
Tangible Book Value Per Share11.9416.3415.1607
Slightly volatile
Receivables Turnover9.259.9617.5338
Slightly volatile
Graham Number14.9419.9517.5311
Pretty Stable
Shareholders Equity Per Share11.9516.3415.1704
Slightly volatile
Debt To Equity2.132.081.0291
Slightly volatile
Revenue Per Share5.375.176.3612
Pretty Stable
Interest Debt Per Share37.6439.2818.1004
Slightly volatile
Debt To Assets0.190.20.108
Slightly volatile
Enterprise Value Over EBITDA19.8118.869.9695
Slightly volatile
Short Term Coverage Ratios0.10.09790.2475
Pretty Stable
Price Earnings Ratio15.389.5420.4379
Very volatile
Price Book Value Ratio0.780.630.9542
Pretty Stable
Dividend Payout Ratio0.490.420.562
Pretty Stable
Pretax Profit Margin0.30.350.2531
Pretty Stable
Effective Tax Rate0.450.350.3765
Pretty Stable
Company Equity Multiplier11.1811.829.1438
Slightly volatile
Long Term Debt To Capitalization0.580.460.4166
Slightly volatile
Total Debt To Capitalization0.630.740.4674
Slightly volatile
Debt Equity Ratio2.132.081.0291
Slightly volatile
Quick Ratio0.370.384.0033
Slightly volatile
Net Income Per E B T0.470.620.6162
Pretty Stable
Cash Ratio0.340.353.5049
Slightly volatile
Days Of Sales Outstanding36.0437.9428.1447
Very volatile
Free Cash Flow Operating Cash Flow Ratio1.091.11.0123
Pretty Stable
Price To Book Ratio0.780.630.9542
Pretty Stable
Fixed Asset Turnover5.624.07.5281
Slightly volatile
Enterprise Value Multiple19.8118.869.9695
Slightly volatile
Debt Ratio0.190.20.108
Slightly volatile
Price Sales Ratio2.562.552.597
Very volatile
Return On Assets0.00780.00740.0072
Pretty Stable
Asset Turnover0.03550.02770.0461
Slightly volatile
Net Profit Margin0.180.240.1631
Pretty Stable
Price Fair Value0.780.630.9542
Pretty Stable
Return On Equity0.07790.07620.0632
Very volatile

Provident Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap91.4 M82 M124.2 M
Slightly volatile
Enterprise Value275 M299.3 M170.8 M
Slightly volatile

Provident Fundamental Market Drivers

Forward Price Earnings8.6356
Cash And Short Term Investments68 M

Provident Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
24th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
24th of July 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
30th of June 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
Current Deferred Revenue-16.2 M-17 M
Total Revenue47.2 M59.4 M
Cost Of RevenueM6.6 M
Stock Based Compensation To Revenue 0.03  0.03 
Sales General And Administrative To Revenue 0.40  0.38 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0.02)(0.02)
Revenue Per Share 5.17  5.37 
Ebit Per Revenue 0.35  0.33 

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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.
You can also try the Fundamentals Comparison module to compare fundamentals across multiple equities to find investing opportunities.

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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.
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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
(0.07)
Dividend Share
0.56
Earnings Share
1.14
Revenue Per Share
5.744
Quarterly Revenue Growth
0.022
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.