Provident Financial Holdings (PROV) Financials

$18.44

$0.07 (0.38%)

As on 25-Sep-2026 11:37EDT

Market cap

$116 Mln

Revenue (TTM)

$60 Mln

P/E Ratio

18.1

P/B Ratio

0.9

Div. Yield

3 %

Annual
Quarterly

Income Statement ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Operating Revenue	59.62	60.16	58.67	41.06	39.45	39.77
Cost of Revenue	19.01	20.49	19.74	9.38	0.67	3.85
Gross Profit	40.61	39.67	38.93	41.06	38.77	35.92
Operating Expenses	30.97	30.79	28.54	-28.64	25.92	25.73
Operating Profit (EBIT)	9.64	8.87	10.39	12.42	12.86	10.19
Other Income	--	--	--	--	--	--
Profit before Tax	9.64	8.87	10.39	12.42	12.86	10.19
Provision for Tax	2.98	2.62	3.04	3.82	3.77	2.63
Profit after Tax (Net Income)	6.66	6.26	7.35	8.59	9.09	7.56
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	8.59	9.09	7.56

Liabilities ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Shareholder's Funds	126.22	128.55	129.94	129.69	128.65	127.28
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	969.94	228.30	253.91	235.01	85.00	100.98
Current Liabilities	112.00	888.77	888.35	968.25	973.39	955.33
Total Liabilities	1,208.16	1,245.61	1,272.20	1,332.95	1,187.04	1,183.60

Assets ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Non-Current Assets	1,154.67	1,188.24	1,214.69	1,250.70	1,142.80	1,091.80
Current Assets	53.50	57.37	57.51	82.25	44.24	91.80
Total Assets	1,208.16	1,245.61	1,272.20	1,332.95	1,187.04	1,183.60
Total Debt*	157.05	213.07	238.50	235.01	85.00	100.98
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Cash From Operating Activities	8.97	8.69	5.69	16.33	11.79	11.57
Cash Flow from Investing Activities	31.50	26.46	45.06	-109.90	-51.75	-55.87
Cash from Financing Activities	-44.35	-33.43	-65.22	136.01	-6.90	-1.47
Net Cash Inflow / Outflow	--	--	--	42.44	-46.86	-45.76

Financials Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Adjusted EPS ($)	1.03	0.94	1.07	1.22	1.24	1.00
Cash EPS ($)	1.63	1.46	1.52	1.67	1.90	1.82
Adjusted Book Value ($)	19.58	19.32	18.85	18.34	17.57	16.77
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	1.39	1.31	0.82	2.31	1.61	1.52
Free Cash Flow per Share ($)	1.32	1.23	0.59	2.20	1.59	1.50

Profitability Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
ROCE (%)	2.13	1.76	2.01	2.97	4.12	3.07
ROE (%)	5.22	4.84	5.66	6.65	7.11	6.02
ROA (%)	0.54	0.50	0.56	0.68	0.77	0.64
EBIT Margin (%)	--	14.75	17.70	30.24	32.60	25.61
Net Margin (%)	11.16	10.40	12.53	20.93	23.05	19.01
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Revenue Growth (%)	-0.01	0.03	0.43	0.04	-0.01	-0.15
EBIT Growth (%)	--	-14.58	-16.34	-3.44	26.22	-6.56
Net Profit Growth (%)	6.39	-14.91	-14.44	-5.51	20.26	-1.66
EPS Growth (%)	0.10	-0.12	-0.12	-0.02	0.25	-0.03
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Price / Earnings	16.66	16.49	11.72	10.49	11.94	17.34
Price / Book Value	0.88	0.80	0.66	0.70	0.84	1.03
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	22.60	21.28	20.04	16.48	9.46	9.62
Close Price ($)	17.20	15.50	12.50	12.75	14.83	17.27
High Price ($)	17.42	16.70	15.40	15.18	18.25	18.48
Low Price ($)	14.95	12.01	10.16	11.61	13.76	11.40
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debt to Equity	1.24	1.66	1.84	1.81	0.66	0.79
Short term debt to equity ratio	0.89	1.27	1.12	1.16	0.28	0.17
Current Ratio	0.48	0.06	0.06	0.08	0.05	0.10
Quick Ratio	--	--	0.13	0.16	0.07	0.17
Interest Coverage	--	0.42	0.52	1.38	4.10	2.23

Operating Efficiency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debtors to sales (%)	7.19	7.01	7.31	9.04	7.52	7.54
Asset Turnover	0.05	0.05	0.05	0.03	0.03	0.03
Receivable days	26.04	25.81	24.90	29.70	27.62	28.79
Inventory Days	--	-992.28	-1,158.27	-1,867.72	-27,040.71	-9,125.28
Payable days	--	--	327.09	692.36	9,563.80	1,715.60
Cash Conversion Cycle	--	--	-1,460.46	-2,530.38	-36,576.89	-10,812.09