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PROV

Market Cap: $116.51M

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Provident Financial Holdings, Inc.

PROV

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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Financials

Profitability

Gross Profit Margin68.12%

EBITDA Margin21.20%

EBIT Margin16.16%

Pre-tax Margin16.16%

Net Profit Margin11.16%

Earnings Yield5.61%

Valuation Multiples

Price / Book0.94

Price / Sales1.95

Price / Earnings18.09

PEG1.89

Forward PEG-3.24

EV / Sales3.76

EV / EBITDA17.75

EV / Operating Cash Flow25.01

EV / Free Cash Flow25.55

Price / Free Cash Flow13.27

Price / Operating Cash Flow13.22

Cash Flow & Capital

Free Cash Flow / Share$1.38

Operating Cash Flow / Share$1.41

Free Cash Flow Yield7.54%

Capex / Revenue0.32%

Capex / Operating Cash Flow2.11%

Capex / Depreciation0.06

Stock Compensation / Revenue0.62%

Dividend Payout Ratio53.97%

Dividend Yield3.01%

Liquidity & Leverage

Current Ratio0.48

Quick Ratio0.48

Cash Ratio0.44

Debt / Assets0.13

Debt / Capital0.55

Debt / Equity1.24

Long-Term Debt / Capital0.26

Debt / Market Cap1.35%

Net Debt / EBITDA8.53

Solvency Ratio0.01

Financial Leverage9.57

Efficiency & Working Capital

Asset Turnover0.05

Fixed Asset Turnover6.46

Inventory Turnover0.00

Receivables Turnover13.91

Payables Turnover0.00

Days Sales Outstanding26.24

Days Inventory Outstanding0

Days Payables Outstanding0

Operating Cycle26.24

Cash Conversion Cycle26.24

Working Capital Turnover-1.36

Returns & Quality

Return on Equity5.23%

Return on Assets0.55%

Return on Invested Capital0.55%

ROCE0.88%

Return on Tangible Assets0.55%

Operating Return on Assets0.79%

Income Quality1.35

Tax Burden0.69

Interest Burden1.00

Balance Sheet & Intrinsic Metrics

Enterprise Value$224.34M

Invested Capital$-49.27M

Working Capital$-58.51M

Tangible Asset Value$126.22M

Net Current Asset Value$-1.03B

Graham Number$21.59

Graham Net-Net-$161.69

Book Value / Share$19.82

Tangible Book Value / Share$19.82

Cash / Share$7.73

Financial Health Scores

Piotroski Score9

Altman Z-Score0.33

Revenue$59.62M

EBIT$9.64M

Market Cap$117.01M

Working Capital$-58.51M

Retained Earnings$215.47M

Total Assets$1.21B

Total Liabilities$1.08B