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Provident Financial Holdings (PROV) Key Ratios

Stock Card factsheet share-fund-plan-icon

$18.31

up-down-arrow $0.08 (0.44%)

As on 06-Oct-2026 16:00EDT

Market cap

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$114 Mln

Revenue (TTM)

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$60 Mln

P/E Ratio

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17.8

P/B Ratio

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0.9

Div. Yield

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3.1 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 4.41 1.58 -0.90 5.99 8.43
EBIT -- -- -24.54 -18.60 -8.05
Net Profit 61.30 34.32 6.39 -8.16 -2.52
EPS 61.30 38.62 10.08 -5.16 0.33
Book Value -- -- 1.33 2.20 3.15
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsJun-26Jun-25Jun-24
EBIT-Margin info 16.2323.82--14.7517.70
Net Margin info ----------
Return on equity info 5.245.905.224.845.66
Return on Capital info 1.972.602.131.762.01
Return on Assets info 0.530.610.540.500.56
Debt to Equity (x) info ----1.241.661.84

Profitability

View Detailed Peer Comparison

ROCE

2.13

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
2.13
1.76
2.01
2.97
4.12
Peer Median
--
--
--
--
--
ROE

5.22

--

Profit after tax / Average Net worth * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
5.22
4.84
5.66
6.65
7.11
Peer Median
--
--
--
--
--
ROA

0.54

--

Profit after tax / Average Total assets * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.54
0.50
0.56
0.68
0.77
Peer Median
--
--
--
--
--
EBIT Margin

--

--

Operating profit (EBIT) / Net Sales * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
14.75
17.70
30.24
32.60
Peer Median
--
--
--
--
--
Net Margin

11.16

--

Net profit / Total Income (Net sales plus other income) * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
11.16
10.40
12.53
20.93
23.05
Peer Median
--
--
--
--
--

Growth

View Detailed Peer Comparison

Revenue Growth

-0.01

--

Year on year growth in net sales

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
-0.01
0.03
0.43
0.04
-0.01
Peer Median
--
--
--
--
--
EBIT Growth

--

--

Year on year growth in operating profit (EBIT)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
-14.58
-16.34
-3.44
26.22
Peer Median
--
--
--
--
--
Net Profit Growth

6.39

--

Year on year growth in profit after tax

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
6.39
-14.91
-14.44
-5.51
20.26
Peer Median
--
--
--
--
--
EPS Growth

0.10

--

Year on year growth in earnings per share

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.10
-0.12
-0.12
-0.02
0.25
Peer Median
--
--
--
--
--

Solvency

View Detailed Peer Comparison

Debt to Equity

1.24

--

Total debt / Net worth

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
1.24
1.66
1.84
1.81
0.66
Peer Median
--
--
--
--
--
Short term debt to equity ratio

0.89

--

(Short term borrowings / Net worth)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.89
1.27
1.12
1.16
0.28
Peer Median
--
--
--
--
--
Current Ratio

0.48

--

Current Assets / Current Liabilities and Provisions

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.48
0.06
0.06
0.08
0.05
Peer Median
--
--
--
--
--
Quick Ratio

--

--

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
--
0.13
0.16
0.07
Peer Median
--
--
--
--
--
Interest Coverage

--

--

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
0.42
0.52
1.38
4.10
Peer Median
--
--
--
--
--

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

7.19

--

Debtors outstanding / Net Sales * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
7.19
7.01
7.31
9.04
7.52
Peer Median
--
--
--
--
--
Asset Turnover

0.05

--

Sales / Average Total Assets

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.05
0.05
0.05
0.03
0.03
Peer Median
--
--
--
--
--
Receivable days

26.04

--

Average Debtors / Sales * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
26.04
25.81
24.90
29.70
27.62
Peer Median
--
--
--
--
--
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
-992.28
-1,158.27
-1,867.72
-27,040.71
Peer Median
--
--
--
--
--
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
--
327.09
692.36
9,563.80
Peer Median
--
--
--
--
--
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
--
--
-1,460.46
-2,530.38
-36,576.89
Peer Median
--
--
--
--
--

Valuation

View Detailed Peer Comparison

Price / Earnings

16.66

--

Current share price divided by earning per share in the last twelve months

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
16.66
16.49
11.72
10.49
11.94
Peer Median
--
--
--
--
--
Price / Book Value

0.88

--

Current share price divided by book value per share in the latest financial year

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
0.88
0.80
0.66
0.70
0.84
Peer Median
--
--
--
--
--
EV/EBITDA

22.60

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Provident Financial Holdings (PROV)
22.60
21.28
20.04
16.48
9.46
Peer Median
--
--
--
--
--
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