Provident Financial Holdings (PROV) Key Ratios
$18.63
$-0.08
(-0.43%)
As on 11-Sep-2026 16:00EDT
Market cap
$117 Mln
Revenue (TTM)
$60 Mln
P/E Ratio
18.2
P/B Ratio
0.9
Div. Yield
3 %
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) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | Jun-26 | Jun-25 | Jun-24 |
| EBIT-Margin
| 16.23 | 23.82 | -- | 14.75 | 17.70 |
| Net Margin
| -- | -- | -- | -- | -- |
| Return on equity
| 5.24 | 5.90 | 5.22 | 4.84 | 5.66 |
| Return on Capital
| 1.97 | 2.60 | 2.13 | 1.76 | 2.01 |
| Return on Assets
| 0.53 | 0.61 | 0.54 | 0.50 | 0.56 |
| Debt to Equity (x)
| -- | -- | 1.24 | 1.66 | 1.84 |
Profitability
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
2.13
|
1.76
|
2.01
|
2.97
|
4.12
|
3.07
|
|
|
|
|
|
|
Peer Median
|
ROE
5.22
--
Profit after tax / Average Net worth * 100
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
5.22
|
4.84
|
5.66
|
6.65
|
7.11
|
6.02
|
|
|
|
|
|
|
Peer Median
|
ROA
0.54
--
Profit after tax / Average Total assets * 100
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.54
|
0.50
|
0.56
|
0.68
|
0.77
|
0.64
|
|
|
|
|
|
|
Peer Median
|
EBIT Margin
--
--
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
14.75
|
17.70
|
30.24
|
32.60
|
25.61
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
11.16
|
10.40
|
12.53
|
20.93
|
23.05
|
19.01
|
|
|
|
|
|
|
Peer Median
|
Revenue Growth
-0.01
--
Year on year growth in net sales
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
-0.01
|
0.03
|
0.43
|
0.04
|
-0.01
|
-0.15
|
|
|
|
|
|
|
Peer Median
|
EBIT Growth
--
--
Year on year growth in operating profit (EBIT)
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
-14.58
|
-16.34
|
-3.44
|
26.22
|
-6.56
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
6.39
|
-14.91
|
-14.44
|
-5.51
|
20.26
|
-1.66
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.10
|
-0.12
|
-0.12
|
-0.02
|
0.25
|
-0.03
|
|
|
|
|
|
|
Peer Median
|
Solvency
Debt to Equity
1.24
--
Total debt / Net worth
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
1.24
|
1.66
|
1.84
|
1.81
|
0.66
|
0.79
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.89
|
1.27
|
1.12
|
1.16
|
0.28
|
0.17
|
|
|
|
|
|
|
Peer Median
|
Current Ratio
0.48
--
Current Assets / Current Liabilities and Provisions
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.48
|
0.06
|
0.06
|
0.08
|
0.05
|
0.10
|
|
|
|
|
|
|
Peer Median
|
Quick Ratio
--
--
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
--
|
0.13
|
0.16
|
0.07
|
0.17
|
|
|
|
|
|
|
Peer Median
|
Interest Coverage
--
--
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
0.42
|
0.52
|
1.38
|
4.10
|
2.23
|
|
|
|
|
|
|
Peer Median
|
Operating Efficiency
Debtors to sales
7.19
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
7.19
|
7.01
|
7.31
|
9.04
|
7.52
|
7.54
|
|
|
|
|
|
|
Peer Median
|
Asset Turnover
0.05
--
Sales / Average Total Assets
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.05
|
0.05
|
0.05
|
0.03
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
26.04
|
25.81
|
24.90
|
29.70
|
27.62
|
28.79
|
|
|
|
|
|
|
Peer Median
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
-992.28
|
-1,158.27
|
-1,867.72
|
-27,040.71
|
-9,125.28
|
|
|
|
|
|
|
Peer Median
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
--
|
327.09
|
692.36
|
9,563.80
|
1,715.60
|
|
|
|
|
|
|
Peer Median
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
Jun-26
|
Jun-25
|
Jun-24
|
Jun-23
|
Jun-22
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
--
|
--
|
-1,460.46
|
-2,530.38
|
-36,576.89
|
-10,812.09
|
|
|
|
|
|
|
Peer Median
|
Valuation
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
16.66
|
16.49
|
11.72
|
10.49
|
11.94
|
17.34
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
0.88
|
0.80
|
0.66
|
0.70
|
0.84
|
1.03
|
|
|
|
|
|
|
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
|
Jun-21
|
Jun-20
|
Jun-19
|
Jun-18
|
Jun-17
|
Jun-16
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Provident Financial Holdings (PROV)
|
22.60
|
21.28
|
20.04
|
16.48
|
9.46
|
9.62
|
|
|
|
|
|
|
Peer Median
|
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