Provident Financial Services (PFS) Financials

$23.12

$-0.32 (-1.34%)

As on 09-Sep-2026 15:43EDT

Market cap

$3,073 Mln

Revenue (TTM)

$1,380 Mln

P/E Ratio

9.8

P/B Ratio

1

Div. Yield

2.1 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	1,379.96	1,382.61	1,140.25	695.65	553.97	489.15
Cost of Revenue	508.33	515.79	533.09	244.53	53.63	13.49
Gross Profit	871.63	866.82	607.16	451.12	500.34	475.66
Operating Expenses	473.52	458.66	457.55	275.34	260.23	248.54
Operating Profit (EBIT)	398.12	408.16	149.62	175.78	240.11	227.12
Other Income	--	--	--	--	--	--
Profit before Tax	430.09	408.16	149.62	175.78	240.11	227.12
Provision for Tax	117.38	117.00	34.09	47.38	64.46	59.20
Profit after Tax (Net Income)	312.72	291.16	115.53	128.40	175.65	167.92
Minority Interest	--	--	--	--	--	--
Consolidated Profit	155.15	291.16	115.53	128.40	175.65	167.92

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	2,906.99	2,833.21	2,601.21	1,690.60	1,597.70	13,144.15
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	22,756.37	2,733.56	2,671.33	2,118.70	12,185.73	637.06
Current Liabilities	--	19,413.94	18,779.28	10,401.51	9,839.02	9,523.98
Total Liabilities	25,663.36	24,980.71	24,051.83	14,210.81	13,783.44	13,781.20

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	877.22	895.48	20,985.81	12,281.48	2,733.30	3,040.07
Current Assets	3,612.87	3,472.04	3,066.01	1,929.33	2,041.96	2,812.30
Total Assets	29,276.23	24,980.71	24,051.83	14,210.81	13,783.44	13,781.20
Total Debt*	4,791.60	2,518.54	2,422.04	1,530.73	2,229.73	1,080.08
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	442.26	426.38	173.40	200.31	158.18
Cash Flow from Investing Activities	--	-1,052.33	507.67	-469.60	-647.56	-717.94
Cash from Financing Activities	--	615.62	-908.37	289.95	-78.70	739.86
Net Cash Inflow / Outflow	--	--	--	--	-525.96	180.11

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	2.40	2.23	0.89	1.71	2.36	2.20
Cash EPS ($)	--	2.73	1.31	2.01	2.40	2.25
Adjusted Book Value ($)	--	21.70	19.98	22.53	21.46	172.43
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	3.39	3.28	2.31	2.69	2.08
Free Cash Flow per Share ($)	--	3.30	3.27	2.21	2.56	1.89

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	5.61	2.80	3.64	1.95	1.20
ROE (%)	10.90	10.72	5.38	7.81	2.38	1.35
ROA (%)	1.09	1.19	0.60	0.92	1.27	1.26
EBIT Margin (%)	31.17	29.52	13.12	25.27	43.34	46.43
Net Margin (%)	22.66	21.06	10.13	18.46	31.71	34.33
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	6.99	0.21	0.64	0.26	0.13	0.12
EBIT Growth (%)	33.46	172.80	-14.88	-26.79	5.72	78.06
Net Profit Growth (%)	35.41	152.03	-10.03	-26.90	4.60	73.20
EPS Growth (%)	35.17	1.51	-0.48	-0.27	0.07	0.75
Book Value Growth (%)	7.41	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	9.82	8.86	21.26	10.54	9.05	10.99
Price / Book Value	1.03	0.91	0.94	0.80	1.00	0.14
Dividend Yield (%)	2.05	--	--	--	--	--
EV/EBITDA	--	3.63	9.32	5.12	6.94	0.62
Close Price ($)	23.64	19.75	18.87	18.03	21.36	24.22
High Price ($)	23.98	21.29	22.24	24.58	26.20	25.98
Low Price ($)	17.40	14.34	13.07	13.43	19.18	17.50
Market Cap ($ Cr)	3,072.76	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.94	0.89	0.93	0.91	1.40	0.08
Short term debt to equity ratio	0.68	0.03	0.04	0.04	0.55	0.03
Current Ratio	--	0.18	0.16	0.19	0.21	0.30
Quick Ratio	--	--	--	0.17	0.23	0.38
Interest Coverage	1.85	0.80	0.34	0.81	4.94	6.25

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	7.11	6.93	7.99	8.48	9.37	8.58
Asset Turnover	0.05	0.06	0.06	0.05	0.04	0.04
Receivable days	--	24.69	24.04	29.11	30.95	33.02
Inventory Days	--	--	83.09	-106.54	-3,585.62	-18,838.61
Payable days	--	--	--	15,777.54	74,220.79	285,224.20
Cash Conversion Cycle	--	--	--	-15,854.97	-77,775.46	-304,029.80

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.