Provident Financial Holdings
Financial ratios & Valuation

Historical Multiples (2015 – 2024)

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
15.3619.8029.2767.5236.4113.0217.0512.0710.6011.6014.5114.51
Price/Sales ratio
2.042.202.292.473.172.443.663.022.212.192.152.44
Price/Book Value ratio
1.061.141.181.191.330.801.010.850.700.650.830.80
Price/Cash Flow ratio
-2.603.201.835.141.5012.5811.139.315.5715.0022.271.50
Price/Free Cash Flow ratio
-2.583.301.875.731.5012.9611.369.445.8420.8327.911.50
Price/Earnings Growth ratio
0.24-1.26-1.03-1.170.320.17-8.780.55-4.34-0.99-0.620.17
Dividend Yield
2.69%2.62%2.70%2.93%2.60%4.17%3.23%3.77%4.38%4.55%3.51%2.60%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%108.04%100%
Operating Profit Margin
31.90%-0.13%-0.83%20.51%23.93%26.64%28.93%44.04%30.23%26.68%27.51%23.93%
Pretax Profit Margin
23.18%19.10%13.24%9.49%11.68%26.64%28.93%35.41%30.23%26.68%21.21%11.68%
Net Profit Margin
13.30%11.11%7.82%3.66%8.71%18.78%21.47%25.04%20.92%18.88%15.00%8.71%
Effective Tax Rate
42.60%41.82%40.93%61.44%25.38%29.47%25.77%29.28%30.79%29.22%29.26%25.38%
Return on Assets
0.83%0.65%0.43%0.18%0.40%0.65%0.63%0.76%0.64%0.57%0.59%0.40%
Return On Equity
6.94%5.77%4.06%1.76%3.66%6.20%5.94%7.06%6.62%5.65%5.77%3.66%
Return on Capital Employed
2.03%-0.00%-0.04%1.03%1.14%0.94%0.87%1.36%1.06%0.81%1.09%0.94%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/A5.87N/AN/AN/AN/AN/A5.87
Quick Ratio
4.736.128.264.757.0512.918.643.090.84N/AN/A12.91
Cash ratio
4.532.563.702.023.236.154.041.300.39N/AN/A6.15
Days of Sales Outstanding
14.0614.6215.9820.1424.6529.1731.0829.8132.9840.1931.3524.65
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A31.35N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A31.35N/A
Debt Ratios
Debt Ratio
0.070.070.100.100.090.110.080.070.060.070.190.09
Debt Equity Ratio
0.640.680.981.040.831.130.790.660.650.711.920.83
Long-term Debt to Capitalization
0.390.400.490.510.450.530.440.390.390.410.650.45
Total Debt to Capitalization
0.390.400.490.510.450.530.440.390.390.410.650.45
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.74N/A
Cash Flow to Debt Ratio
-0.630.520.650.221.050.050.110.130.190.060.010.05
Company Equity Multiplier
8.328.769.369.758.999.499.299.2210.279.799.708.99
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.780.681.240.482.110.190.320.320.390.140.090.19
Free Cash Flow / Operating Cash Flow Ratio
1.000.960.980.890.990.970.980.980.950.720.780.97
Cash Flow Coverage Ratio
-0.630.520.650.221.050.050.110.130.190.060.010.05
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
41.36%52.03%79.10%198.40%94.95%54.40%55.19%45.59%46.53%52.87%51.63%54.40%