Provident Financial Inc. (PROV)
Provident Financial Statistics
Share Statistics
Provident Financial has 6.69M shares outstanding. The number of shares has increased by -2.36% in one year.
| Shares Outstanding | 6.69M |
| Shares Change (YoY) | -2.36% |
| Shares Change (QoQ) | -1.46% |
| Owned by Institutions (%) | 47.55% |
| Shares Floating | 5.28M |
| Failed to Deliver (FTD) Shares | 46 |
| FTD / Avg. Volume | 0.69% |
Short Selling Information
The latest short interest is 23.5K, so 0.35% of the outstanding shares have been sold short.
| Short Interest | 23.5K |
| Short % of Shares Out | 0.35% |
| Short % of Float | 0.44% |
| Short Ratio (days to cover) | 2.71 |
Valuation Ratios
The PE ratio is 11.61 and the forward PE ratio is 13.32. Provident Financial's PEG ratio is -0.99.
| PE Ratio | 11.61 |
| Forward PE | 13.32 |
| PS Ratio | 2.19 |
| Forward PS | 2.4 |
| PB Ratio | 0.66 |
| P/FCF Ratio | 20.83 |
| PEG Ratio | -0.99 |
Enterprise Valuation
Provident Financial Inc. has an Enterprise Value (EV) of 260.24M.
| EV / Earnings | 35.4 |
| EV / Sales | 6.69 |
| EV / EBITDA | 19.22 |
| EV / EBIT | 25.05 |
| EV / FCF | 63.53 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 1.84.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 1.84 |
| Total Debt / Capitalization | 64.73 |
| Cash Flow / Debt | 0.02 |
| Interest Coverage | 0.52 |
Financial Efficiency
Return on equity (ROE) is 0.06% and return on capital (ROIC) is 2%.
| Return on Equity (ROE) | 0.06% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 2% |
| Revenue Per Employee | $414,117.02 |
| Profits Per Employee | $78,202.13 |
| Employee Count | 94 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 3.04M |
| Effective Tax Rate | 0.29 |
Stock Price Statistics
The stock price has increased by 7.16% in the last 52 weeks. The beta is 0.34, so Provident Financial's price volatility has been higher than the market average.
| Beta | 0.34 |
| 52-Week Price Change | 7.16% |
| 50-Day Moving Average | 15.73 |
| 200-Day Moving Average | 14.44 |
| Relative Strength Index (RSI) | 37.61 |
| Average Volume (20 Days) | 6.69K |
Income Statement
In the last 12 months, Provident Financial had revenue of 38.93M and earned 7.35M in profits. Earnings per share was 1.06.
| Revenue | 38.93M |
| Gross Profit | 38.93M |
| Operating Income | 10.39M |
| Net Income | 7.35M |
| EBITDA | 13.54M |
| EBIT | 10.39M |
| Earnings Per Share (EPS) | 1.06 |
Balance Sheet
The company has 51.38M in cash and 238.5M in debt, giving a net cash position of -187.12M.
| Cash & Cash Equivalents | 51.38M |
| Total Debt | 238.5M |
| Net Cash | -187.12M |
| Retained Earnings | 209.91M |
| Total Assets | 1.25B |
| Working Capital | 168.59M |
Cash Flow
In the last 12 months, operating cash flow was 5.68M and capital expenditures -1.59M, giving a free cash flow of 4.1M.
| Operating Cash Flow | 5.68M |
| Capital Expenditures | -1.59M |
| Free Cash Flow | 4.1M |
| FCF Per Share | 0.59 |
Margins
Gross margin is 100%, with operating and profit margins of 26.68% and 18.88%.
| Gross Margin | 100% |
| Operating Margin | 26.68% |
| Pretax Margin | 26.68% |
| Profit Margin | 18.88% |
| EBITDA Margin | 34.79% |
| EBIT Margin | 26.68% |
| FCF Margin | 10.52% |
Dividends & Yields
PROV pays an annual dividend of $0.7, which amounts to a dividend yield of 3.55%.
| Dividend Per Share | $0.70 |
| Dividend Yield | 3.55% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 76.92% |
| Earnings Yield | 7.02% |
| FCF Yield | 4.05% |
Analyst Forecast
The average price target for PROV is $16, which is 5.9% higher than the current price. The consensus rating is "Hold".
| Price Target | $16 |
| Price Target Difference | 5.9% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
Stock Splits
The last stock split was on Feb 3, 2004. It was a forward split with a ratio of 3:2.
| Last Split Date | Feb 3, 2004 |
| Split Type | forward |
| Split Ratio | 3:2 |
Scores
| Altman Z-Score | 0.5 |
| Piotroski F-Score | 5 |