Want to see PROV full AI Analyst Report?
Provident Financial Holdings (PROV) Ratios
Provident Financial Holdings Ratios
PROV's free cash flow for Q4 2026 was $3.32M. For the 2026 fiscal year, PROV's free cash flow was decreased by $-44.00K and operating cash flow was $3.37M. See a summary of the company’s cash flow.
| Ratios | Jun 26 | Jun 25 | Jun 24 | Jun 23 | Jun 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.48 | 0.06 | 0.06 | 0.08 | 0.05 |
| Quick Ratio | 0.48 | 0.06 | 0.06 | 0.08 | 0.05 |
| Cash Ratio | 0.44 | 0.06 | 0.06 | 0.07 | 0.02 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.08 | 0.01 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.08 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.03B | $ -1.06B | $ -1.08B | $ -1.12B | $ -1.01B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.13 | 0.17 | 0.19 | 0.18 | 0.07 |
| Debt-to-Equity Ratio | 1.24 | 1.66 | 1.84 | 1.81 | 0.66 |
| Debt-to-Capital Ratio | 0.55 | 0.62 | 0.65 | 0.64 | 0.40 |
| Long-Term Debt-to-Capital Ratio | 0.26 | 0.62 | 0.65 | 0.64 | 0.40 |
| Financial Leverage Ratio | 9.57 | 9.69 | 9.79 | 10.28 | 9.23 |
| Debt Service Coverage Ratio | 0.05 | 0.46 | 0.53 | 1.31 | 4.45 |
| Interest Coverage Ratio | 0.49 | 0.42 | 0.52 | 1.38 | 4.10 |
| Debt to Market Cap | 1.43 | 2.05 | 2.80 | 2.58 | 0.77 |
| Interest Debt Per Share | 27.74 | 34.88 | 37.20 | 34.16 | 11.90 |
| Net Debt to EBITDA | 11.19 | 12.94 | 13.82 | 10.84 | 3.48 |
| Profitability Margins | |||||
| Gross Profit Margin | 68.12% | 65.94% | 66.35% | 81.26% | 98.29% |
| EBIT Margin | 16.16% | 14.75% | 17.70% | 24.80% | 32.60% |
| EBITDA Margin | 16.16% | 20.55% | 23.08% | 31.17% | 44.89% |
| Operating Profit Margin | 16.16% | 14.75% | 17.70% | 24.80% | 32.60% |
| Pretax Profit Margin | 16.16% | 14.75% | 17.70% | 24.80% | 32.60% |
| Net Profit Margin | 11.16% | 10.40% | 12.53% | 17.16% | 23.05% |
| Continuous Operations Profit Margin | 11.16% | 10.40% | 12.53% | 17.16% | 23.05% |
| Net Income Per EBT | 69.06% | 70.49% | 70.77% | 69.20% | 70.72% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.55% | 0.50% | 0.58% | 0.64% | 0.77% |
| Return on Equity (ROE) | 5.27% | 4.87% | 5.66% | 6.63% | 7.07% |
| Return on Capital Employed (ROCE) | 0.88% | 2.49% | 2.71% | 3.40% | 6.02% |
| Return on Invested Capital (ROIC) | 0.55% | 1.75% | 1.92% | 2.36% | 4.26% |
| Return on Tangible Assets | 0.55% | 0.50% | 0.58% | 0.64% | 0.77% |
| Earnings Yield | 6.08% | 6.01% | 8.61% | 9.43% | 8.28% |
| Efficiency Ratios | |||||
| Receivables Turnover | 13.91 | 14.27 | 13.69 | 13.49 | 13.30 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.53 | 0.04 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 6.46 | 6.45 | 6.30 | 5.42 | 4.47 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.13 | -0.07 | -0.07 | -0.06 | -0.04 |
| Cash Conversion Cycle | 26.24 | 25.58 | 26.67 | -660.89 | -9671.90 |
| Days of Sales Outstanding | 26.24 | 25.58 | 26.67 | 27.05 | 27.44 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 687.94 | 9699.35 |
| Operating Cycle | 26.24 | 25.58 | 26.67 | 27.05 | 27.44 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.41 | 1.29 | 0.82 | 2.29 | 1.59 |
| Free Cash Flow Per Share | 1.34 | 1.21 | 0.59 | 2.18 | 1.57 |
| Dividend Paid and CapEx Coverage Ratio | 2.23 | 2.02 | 1.04 | 3.44 | 2.74 |
| Capital Expenditure Coverage Ratio | 20.76 | 16.39 | 3.58 | 22.03 | 71.47 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.04 | 0.02 | 0.07 | 0.14 |
| Operating Cash Flow to Sales Ratio | 0.15 | 0.14 | 0.10 | 0.33 | 0.30 |
| Free Cash Flow Yield | 7.80% | 7.83% | 4.80% | 17.11% | 10.59% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.54 | 16.67 | 11.61 | 10.60 | 12.08 |
| Price-to-Sales (P/S) Ratio | 1.84 | 1.73 | 1.45 | 1.82 | 2.78 |
| Price-to-Book (P/B) Ratio | 0.87 | 0.81 | 0.66 | 0.70 | 0.85 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.83 | 12.77 | 20.83 | 5.84 | 9.44 |
| Price-to-Operating Cash Flow Ratio | 12.21 | 11.99 | 15.01 | 5.58 | 9.31 |
| Price-to-Earnings Growth (PEG) Ratio | 1.40 | -1.36 | -0.99 | -4.35 | 0.55 |
| Enterprise Value Multiple | 22.56 | 21.37 | 20.12 | 16.68 | 9.68 |
| Enterprise Value | 217.35M | 264.08M | 272.45M | 260.24M | 171.39M |
| EV to EBITDA | 22.56 | 21.37 | 20.12 | 16.68 | 9.68 |
| EV to Sales | 3.65 | 4.39 | 4.64 | 5.20 | 4.34 |
| EV to Free Cash Flow | 25.46 | 32.38 | 66.52 | 16.70 | 14.74 |
| EV to Operating Cash Flow | 24.23 | 30.41 | 47.92 | 15.94 | 14.53 |
| Tangible Book Value Per Share | 19.82 | 19.14 | 18.72 | 18.16 | 17.38 |
| Shareholders’ Equity Per Share | 19.82 | 19.14 | 18.72 | 18.16 | 17.38 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.31 | 0.30 | 0.29 | 0.31 | 0.29 |
| Revenue Per Share | 9.36 | 8.96 | 8.45 | 7.01 | 5.33 |
| Net Income Per Share | 1.05 | 0.93 | 1.06 | 1.20 | 1.23 |
| Tax Burden | 0.69 | 0.70 | 0.71 | 0.69 | 0.71 |
| 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 | 0.41 | 0.34 | 0.31 | 0.37 | 0.42 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.00 | 0.02 | 0.02 |
| Income Quality | 1.35 | 1.39 | 0.77 | 1.90 | 1.30 |
Currency in USD