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Provident Financial Holdings, Inc (PROV)
NASDAQ:PROV
US Market
PROV
Provident Financial Holdings
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Provident Financial Holdings (PROV) Ratios

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Provident Financial Holdings Ratios

PROV's free cash flow for Q4 2026 was $0.70. For the 2026 fiscal year, PROV's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Jun 26Jun 25Jun 24Jun 23
Liquidity Ratios
Current Ratio
 0.48 0.48 0.06 0.06 0.08
Quick Ratio
 0.48 0.48 0.06 0.06 0.08
Cash Ratio
 0.44 0.44 0.06 0.06 0.07
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.08 0.08 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.08 0.08 0.00 0.00 0.00
Net Current Asset Value
$ -1.03B$ -1.03B$ -1.06B$ -1.08B$ -1.12B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.13 0.17 0.19 0.18
Debt-to-Equity Ratio
 1.24 1.24 1.66 1.84 1.81
Debt-to-Capital Ratio
 0.55 0.55 0.62 0.65 0.64
Long-Term Debt-to-Capital Ratio
 0.26 0.26 0.62 0.65 0.64
Financial Leverage Ratio
 9.57 9.57 9.69 9.79 10.28
Debt Service Coverage Ratio
 0.07 0.05 0.46 0.53 1.31
Interest Coverage Ratio
 0.49 0.49 0.42 0.52 1.38
Debt to Market Cap
 1.35 1.43 2.05 2.80 2.58
Interest Debt Per Share
 27.74 27.74 34.88 37.20 34.16
Net Debt to EBITDA
 8.53 11.19 12.94 13.82 10.84
Profitability Margins
Gross Profit Margin
68.12%68.12%65.94%66.35%81.26%
EBIT Margin
16.16%16.16%14.75%17.70%24.80%
EBITDA Margin
21.20%16.16%20.55%23.08%31.17%
Operating Profit Margin
16.16%16.16%14.75%17.70%24.80%
Pretax Profit Margin
16.16%16.16%14.75%17.70%24.80%
Net Profit Margin
11.16%11.16%10.40%12.53%17.16%
Continuous Operations Profit Margin
11.16%11.16%10.40%12.53%17.16%
Net Income Per EBT
69.06%69.06%70.49%70.77%69.20%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.55%0.55%0.50%0.58%0.64%
Return on Equity (ROE)
5.23%5.27%4.87%5.66%6.63%
Return on Capital Employed (ROCE)
0.88%0.88%2.49%2.71%3.40%
Return on Invested Capital (ROIC)
0.55%0.55%1.75%1.92%2.36%
Return on Tangible Assets
0.55%0.55%0.50%0.58%0.64%
Earnings Yield
5.61%6.08%6.01%8.61%9.43%
Efficiency Ratios
Receivables Turnover
 13.91 13.91 14.27 13.69 13.49
Payables Turnover
 0.00 0.00 0.00 0.00 0.53
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.46 6.46 6.45 6.30 5.42
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -1.36 -0.13 -0.07 -0.07 -0.06
Cash Conversion Cycle
 26.24 26.24 25.58 26.67 -660.89
Days of Sales Outstanding
 26.24 26.24 25.58 26.67 27.05
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 687.94
Operating Cycle
 26.24 26.24 25.58 26.67 27.05
Cash Flow Ratios
Operating Cash Flow Per Share
 1.41 1.41 1.29 0.82 2.29
Free Cash Flow Per Share
 1.38 1.34 1.21 0.59 2.18
CapEx Per Share
 0.03 0.07 0.08 0.23 0.10
Free Cash Flow to Operating Cash Flow
 0.98 0.95 0.94 0.72 0.95
Dividend Paid and CapEx Coverage Ratio
 2.37 2.23 2.02 1.04 3.44
Capital Expenditure Coverage Ratio
 47.46 20.76 16.39 3.58 22.03
Operating Cash Flow Coverage Ratio
 0.06 0.06 0.04 0.02 0.07
Operating Cash Flow to Sales Ratio
 0.15 0.15 0.14 0.10 0.33
Free Cash Flow Yield
7.54%7.80%7.83%4.80%17.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 18.09 16.54 16.67 11.61 10.60
Price-to-Sales (P/S) Ratio
 1.95 1.84 1.73 1.45 1.82
Price-to-Book (P/B) Ratio
 0.94 0.87 0.81 0.66 0.70
Price-to-Free Cash Flow (P/FCF) Ratio
 13.27 12.83 12.77 20.83 5.84
Price-to-Operating Cash Flow Ratio
 13.22 12.21 11.99 15.01 5.58
Price-to-Earnings Growth (PEG) Ratio
 1.89 1.40 -1.36 -0.99 -4.35
Price-to-Fair Value
 0.94 0.87 0.81 0.66 0.70
Enterprise Value Multiple
 17.75 22.56 21.37 20.12 16.68
Enterprise Value
 224.34M 217.35M 264.08M 272.45M 260.24M
EV to EBITDA
 17.75 22.56 21.37 20.12 16.68
EV to Sales
 3.76 3.65 4.39 4.64 5.20
EV to Free Cash Flow
 25.55 25.46 32.38 66.52 16.70
EV to Operating Cash Flow
 25.01 24.23 30.41 47.92 15.94
Tangible Book Value Per Share
 19.82 19.82 19.14 18.72 18.16
Shareholders’ Equity Per Share
 19.82 19.82 19.14 18.72 18.16
Tax and Other Ratios
Effective Tax Rate
 0.31 0.31 0.30 0.29 0.31
Revenue Per Share
 9.36 9.36 8.96 8.45 7.01
Net Income Per Share
 1.05 1.05 0.93 1.06 1.20
Tax Burden
 0.69 0.69 0.70 0.71 0.69
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
 0.38 0.41 0.34 0.31 0.37
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 0.02
Income Quality
 1.35 1.35 1.39 0.77 1.90
Currency in USD