Want to see PFS full AI Analyst Report?
Provident Financial Services (PFS) Ratios
Provident Financial Services Ratios
PFS's free cash flow for Q2 2026 was $122.54M. For the 2026 fiscal year, PFS's free cash flow was increased by $3.69M and operating cash flow was $118.84M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.18 | 0.16 | 0.19 | 0.19 | 0.25 |
| Quick Ratio | 0.18 | 0.16 | 0.19 | 0.19 | 0.25 |
| Cash Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.06 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 4.66 | 3.77 | 2.40 | 2.04 | 1.34 |
| Net Current Asset Value | $ -18.68B | $ -18.38B | $ -10.59B | $ -10.14B | $ -9.27B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.10 | 0.11 | 0.10 | 0.05 |
| Debt-to-Equity Ratio | 0.89 | 0.93 | 0.91 | 0.84 | 0.38 |
| Debt-to-Capital Ratio | 0.47 | 0.48 | 0.48 | 0.46 | 0.27 |
| Long-Term Debt-to-Capital Ratio | 0.46 | 0.47 | 0.46 | 0.44 | 0.23 |
| Financial Leverage Ratio | 8.82 | 9.25 | 8.41 | 8.63 | 8.12 |
| Debt Service Coverage Ratio | 0.59 | 0.30 | 0.52 | 1.36 | 1.25 |
| Interest Coverage Ratio | 0.80 | 0.34 | 0.81 | 4.94 | 6.25 |
| Debt to Market Cap | 0.98 | 1.17 | 1.13 | 0.84 | 0.34 |
| Interest Debt Per Share | 23.22 | 26.15 | 23.34 | 18.69 | 8.81 |
| Net Debt to EBITDA | 4.87 | 10.85 | 6.82 | 4.40 | -0.30 |
| Profitability Margins | |||||
| Gross Profit Margin | 62.69% | 53.25% | 64.85% | 90.32% | 97.24% |
| EBIT Margin | 29.52% | 13.12% | 25.27% | 43.34% | 46.43% |
| EBITDA Margin | 34.26% | 17.91% | 28.46% | 47.62% | 51.08% |
| Operating Profit Margin | 29.52% | 13.12% | 25.27% | 43.34% | 46.43% |
| Pretax Profit Margin | 29.52% | 13.12% | 25.27% | 43.34% | 46.43% |
| Net Profit Margin | 21.06% | 10.13% | 18.46% | 31.71% | 34.33% |
| Continuous Operations Profit Margin | 21.06% | 10.13% | 18.46% | 31.71% | 34.33% |
| Net Income Per EBT | 71.34% | 77.21% | 73.05% | 73.15% | 73.94% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.17% | 0.48% | 0.90% | 1.27% | 1.22% |
| Return on Equity (ROE) | 10.28% | 4.44% | 7.59% | 10.99% | 9.89% |
| Return on Capital Employed (ROCE) | 7.33% | 2.84% | 4.61% | 7.78% | 9.48% |
| Return on Invested Capital (ROIC) | -1.95% | 2.15% | 3.31% | 5.52% | 6.68% |
| Return on Tangible Assets | 1.20% | 0.50% | 0.93% | 1.32% | 1.26% |
| Earnings Yield | 11.30% | 5.58% | 9.51% | 11.01% | 9.07% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.43 | 12.51 | 11.80 | 10.67 | 11.65 |
| 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 | 12.20 | 9.53 | 9.80 | 6.94 | 6.07 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.09 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | 25.29 | 29.18 | 30.94 | 34.20 | 31.33 |
| Days of Sales Outstanding | 25.29 | 29.18 | 30.94 | 34.20 | 31.33 |
| 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 | 25.29 | 29.18 | 30.94 | 34.20 | 31.33 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.39 | 3.89 | 2.32 | 2.68 | 2.05 |
| Free Cash Flow Per Share | 3.30 | 3.88 | 2.22 | 2.56 | 1.87 |
| Dividend Paid and CapEx Coverage Ratio | 3.22 | 4.17 | 2.17 | 2.46 | 1.84 |
| Capital Expenditure Coverage Ratio | 38.33 | 326.23 | 23.16 | 21.28 | 11.36 |
| Operating Cash Flow Coverage Ratio | 0.18 | 0.18 | 0.11 | 0.15 | 0.25 |
| Operating Cash Flow to Sales Ratio | 0.32 | 0.37 | 0.25 | 0.36 | 0.32 |
| Free Cash Flow Yield | 16.71% | 20.54% | 12.29% | 11.96% | 7.72% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.86 | 17.97 | 10.51 | 9.08 | 11.03 |
| Price-to-Sales (P/S) Ratio | 1.86 | 1.81 | 1.94 | 2.88 | 3.79 |
| Price-to-Book (P/B) Ratio | 0.91 | 0.80 | 0.80 | 1.00 | 1.09 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 5.98 | 4.87 | 8.13 | 8.36 | 12.95 |
| Price-to-Operating Cash Flow Ratio | 5.83 | 4.85 | 7.78 | 7.97 | 11.81 |
| Price-to-Earnings Growth (PEG) Ratio | 0.08 | -0.46 | -0.39 | 1.33 | 0.19 |
| Enterprise Value Multiple | 10.31 | 20.99 | 13.64 | 10.45 | 7.11 |
| Enterprise Value | 4.88B | 4.29B | 2.70B | 2.76B | 1.78B |
| EV to EBITDA | 10.31 | 20.99 | 13.64 | 10.45 | 7.11 |
| EV to Sales | 3.53 | 3.76 | 3.88 | 4.98 | 3.63 |
| EV to Free Cash Flow | 11.34 | 10.08 | 16.27 | 14.44 | 12.42 |
| EV to Operating Cash Flow | 11.04 | 10.05 | 15.57 | 13.76 | 11.33 |
| Tangible Book Value Per Share | 15.72 | 16.25 | 16.47 | 15.22 | 16.12 |
| Shareholders’ Equity Per Share | 21.71 | 23.72 | 22.59 | 21.39 | 22.19 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.23 | 0.27 | 0.27 | 0.26 |
| Revenue Per Share | 10.59 | 10.40 | 9.29 | 7.42 | 6.40 |
| Net Income Per Share | 2.23 | 1.05 | 1.72 | 2.35 | 2.20 |
| Tax Burden | 0.71 | 0.77 | 0.73 | 0.73 | 0.74 |
| 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 | 0.20 | 0.21 | 0.23 | 0.28 | 0.31 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Income Quality | 1.52 | 3.69 | 1.35 | 1.14 | 0.93 |
Currency in USD
