Provident Financial Holdings, Inc. (PROV) Balance Sheet
PROV balance sheet, FY2026
June 30, 2026 · U.S. dollars$1.21B assets = $1.08B liabilities + $126.2M equity
Both columns are drawn to the same scale: what PROV owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PROV financial health
Debt / equity1.24
Moderate leverage · $1.24 of debt for each $1 of equity
Cash / debt31.3%
Low cash cover · cash & short-term investments vs total debt
Goodwill & intangibles0.0%
Mostly tangible · of total assets
Descriptive bands, not a rating. Fiscal FY2026.
PROV balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.20BFY2017 | $1.21BFY2026 | +0.1%/yr | |
| Total liabilities | $1.07BFY2017 | $1.08BFY2026 | +0.1%/yr | |
| Shareholders’ equity | $128.2MFY2017 | $126.2MFY2026 | −0.2%/yr | |
| Cash & short-term investments | $82.1MFY2017 | $49.2MFY2026 | −5.5%/yr | |
| Total debt | $126.2MFY2017 | $157.0MFY2026 | +2.5%/yr | |
| Net cash (debt) | −$44.1MFY2017 | −$107.8MFY2026 | −$63.8M | |
| Working capital | −$843.8MFY2017 | −$58.5MFY2026 | +$785.3M | |
| Book value per share | $15.83FY2017 | $19.58FY2026 | +2.4%/yr | |
| Debt / equity | 0.98FY2017 | 1.24FY2026 | +0.26 | |
| Shares outstanding | 8.1MFY2017 | 6.4MFY2026 | −2.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PROV assets
Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current
PROV liabilities and equity
Current liabilitiesLong-term debtOther long-term liabilitiesEquity
PROV debt vs cash
Total debtCash & ST investmentsNet cash (debt)
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PROV balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $49.2M | $53.2M | $53.2M | $68.0M | $26.1M | $73.9M | $120.8M | $76.6M | $50.8M | $82.1M |
| Cash & equivalents | $49.2M | $53.1M | $51.4M | $65.8M | $23.4M | $70.3M | $116.0M | $70.6M | $43.3M | $72.8M |
| Short-term investments | $936,000 | $69,000 | $1.8M | $2.2M | $2.7M | $3.6M | $4.7M | $6.0M | $7.5M | $9.3M |
| Receivables | $4.3M | $4.2M | $4.3M | $3.7M | $3.0M | $3.0M | $3.3M | $3.4M | $3.2M | $2.9M |
| Inventory | $0 | $0 | −$55.7M | −$69.6M | −$26.4M | −$73.3M | −$119.3M | −$74.1M | −$47.4M | −$26.2M |
| Other current assets | $0 | $0 | $55.7M | $80.1M | $41.6M | $88.2M | $132.5M | $88.4M | $64.4M | $43.5M |
| Total current assets | $53.5M | $57.4M | $57.5M | $82.2M | $44.2M | $91.8M | $137.2M | $94.4M | $71.0M | $102.4M |
| Property, plant & equipment (net) | $9.2M | $9.3M | $9.3M | $9.2M | $8.8M | $9.4M | $10.3M | $8.2M | $8.7M | $6.6M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $382,000 | $627,000 | $916,000 | $739,000 |
| Long-term investments | $90.5M | $111.0M | $131.9M | $156.5M | $188.4M | $226.9M | $123.3M | $879.9M | $999.0M | $1.02B |
| Other non-current assets | $1.05B | $1.07B | $1.07B | $1.08B | $945.6M | $855.5M | $905.7M | $101.7M | $96.0M | $69.4M |
| Total assets | $1.21B | $1.25B | $1.27B | $1.33B | $1.19B | $1.18B | $1.18B | $1.08B | $1.18B | $1.20B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $17.7M | $17.9M | $17.4M | $18.8M | $21.8M | $21.3M | $19.7M |
| Short-term debt | $112.0M | $163.0M | $146.2M | $150.9M | $35.8M | $21.9M | $30.8M | $101.1M | $25.0M | $25.0M |
| Deferred revenue | — | — | — | — | −$17.9M | −$4.5M | −$11.9M | — | −$3.7M | −$5.4M |
| Total current liabilities | $112.0M | $888.8M | $888.3M | $968.3M | $973.4M | $955.3M | $911.8M | $863.1M | $928.9M | $946.2M |
| Long-term debt | $157.0M | $213.1M | $238.5M | $85.0M | $85.0M | $101.0M | $141.0M | $101.1M | $126.2M | $126.2M |
| Lease obligations | $46,000 | $73,000 | — | — | — | — | — | — | — | — |
| Other long-term liabilities | $812.9M | $15.2M | $15.4M | $150.0M | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $1.08B | $1.12B | $1.14B | $1.20B | $1.06B | $1.06B | $1.05B | $964.2M | $1.06B | $1.07B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $181,000 | $181,000 | $181,000 | $180,000 |
| Retained earnings (deficit) | $215.5M | $212.4M | $209.9M | $207.3M | $202.7M | $197.7M | $194.3M | $190.8M | $190.6M | $192.8M |
| Treasury stock | — | — | — | −$177.2M | −$173.0M | −$168.7M | −$166.2M | −$164.9M | −$165.5M | −$158.1M |
| Accumulated other comprehensive income | $13,000 | $17,000 | −$3,000 | −$38,000 | $2,000 | $72,000 | $104,000 | $161,000 | $210,000 | $229,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $126.2M | $128.5M | $129.9M | $129.7M | $128.7M | $127.3M | $124.0M | $120.6M | $120.5M | $128.2M |
| Key figures | ||||||||||
| Total debt | $157.0M | $213.1M | $238.5M | $235.0M | $85.0M | $101.0M | $141.0M | $101.1M | $126.2M | $126.2M |
| Net cash (debt) | −$107.8M | −$159.9M | −$185.3M | −$167.0M | −$58.9M | −$27.1M | −$20.3M | −$24.5M | −$75.4M | −$44.1M |
| Working capital | −$58.5M | −$831.4M | −$830.8M | −$886.0M | −$929.2M | −$863.5M | −$774.6M | −$768.7M | −$858.0M | −$843.8M |
| Tangible book value | $126.2M | $128.5M | $129.9M | $129.7M | $128.7M | $127.3M | $123.6M | $120.0M | $119.5M | $127.5M |
| Book value per share | $19.58 | $19.01 | $18.67 | $18.03 | $17.27 | $16.88 | $16.36 | $15.88 | $15.64 | $15.83 |
| Shares outstanding | 6.4M | 6.8M | 7.0M | 7.2M | 7.4M | 7.5M | 7.6M | 7.6M | 7.7M | 8.1M |
| Current ratio | 0.48 | 0.06 | 0.06 | 0.08 | 0.05 | 0.10 | 0.15 | 0.11 | 0.08 | 0.11 |
| Quick ratio | 0.48 | 0.06 | 0.06 | 0.07 | 0.03 | 0.08 | 0.14 | 0.09 | 0.06 | 0.09 |
| Debt / equity | 1.24 | 1.66 | 1.84 | 1.81 | 0.66 | 0.79 | 1.14 | 0.84 | 1.05 | 0.98 |
| Equity / assets | 10.4% | 10.3% | 10.2% | 9.7% | 10.8% | 10.8% | 10.5% | 11.1% | 10.2% | 10.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $49.2M | $57.1M | $54.5M | $49.7M | $53.2M | $51.1M | $47.3M | $50.0M | $53.2M | $53.7M | $48.9M | $60.1M |
| Cash & equivalents | $49.2M | $57.1M | $54.4M | $49.4M | $53.1M | $50.9M | $45.5M | $48.2M | $51.4M | $51.7M | $46.9M | $58.0M |
| Short-term investments | $89.3M | $94.0M | $152,000 | $250,000 | $69,000 | $183,000 | $1.8M | $1.8M | $1.8M | $1.9M | $2.0M | $2.1M |
| Receivables | $4.3M | $4.2M | $4.1M | $4.2M | $4.2M | $4.3M | $4.2M | $4.3M | $4.3M | $4.2M | $4.1M | $4.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$176.7M | −$55.7M | −$56.0M | −$51.0M | −$61.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $176.7M | $55.7M | $56.0M | $51.0M | $61.9M |
| Total current assets | $53.5M | $61.3M | $58.6M | $53.8M | $57.4M | $55.4M | $51.5M | $54.3M | $57.5M | $57.9M | $53.0M | $64.0M |
| Property, plant & equipment (net) | $9.2M | $9.6M | $9.8M | $9.0M | $9.3M | $9.4M | $9.5M | $9.6M | $9.3M | $9.6M | $9.6M | $9.4M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $90.5M | $95.3M | $100.3M | $105.4M | $111.0M | $115.3M | $120.6M | $126.1M | $131.9M | $137.9M | $143.7M | $149.7M |
| Other non-current assets | $1.05B | $1.05B | $1.06B | $1.06B | $1.07B | $1.08B | $1.07B | $1.07B | $1.07B | $1.08B | $1.09B | $1.09B |
| Total assets | $1.21B | $1.22B | $1.23B | $1.23B | $1.25B | $1.26B | $1.25B | $1.26B | $1.27B | $1.29B | $1.30B | $1.31B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $17.8M |
| Short-term debt | $112.0M | $90.2M | $134.0M | $178.5M | $163.0M | $200.6M | $136.8M | $118.0M | $146.2M | $162.7M | $140.4M | $130.0M |
| Total current liabilities | $112.0M | $90.2M | $872.4M | $874.8M | $888.8M | $1.10B | $867.5M | $863.9M | $888.3M | $908.1M | $912.0M | $931.1M |
| Long-term debt | $157.0M | $184.1M | $213.0M | $213.0M | $213.1M | $15.0M | $245.5M | $249.5M | $238.5M | $235.0M | $242.5M | $105.0M |
| Lease obligations | $46,000 | — | $60,000 | $66,000 | $73,000 | — | — | — | — | — | — | — |
| Other long-term liabilities | $812.9M | $816.8M | $15.0M | $14.6M | $15.2M | $14.4M | $13.3M | $14.4M | $15.4M | $17.4M | $17.0M | $147.8M |
| Total liabilities | $1.08B | $1.09B | $1.10B | $1.10B | $1.12B | $1.13B | $1.13B | $1.13B | $1.14B | $1.16B | $1.17B | $1.18B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 | $183,000 |
| Retained earnings (deficit) | $215.5M | $214.2M | $213.7M | $213.2M | $212.4M | $211.7M | $210.8M | $210.9M | $209.9M | $208.9M | $208.4M | $207.2M |
| Accumulated other comprehensive income | $13,000 | $14,000 | $17,000 | $18,000 | $17,000 | $16,000 | $15,000 | $14,000 | −$3,000 | −$8,000 | −$7,000 | −$31,000 |
| Total shareholders' equity | $126.2M | $126.6M | $127.5M | $128.4M | $128.5M | $128.9M | $128.6M | $129.6M | $129.9M | $129.5M | $129.7M | $129.2M |
| Key figures | ||||||||||||
| Total debt | $157.0M | $186.3M | $213.1M | $213.1M | $213.1M | $215.6M | $245.5M | $249.5M | $238.5M | $235.0M | $242.5M | $235.0M |
| Net cash (debt) | −$107.8M | −$129.2M | −$158.5M | −$163.4M | −$159.9M | −$164.5M | −$198.2M | −$199.5M | −$185.3M | −$181.3M | −$193.6M | −$174.9M |
| Working capital | −$58.5M | −$28.9M | −$813.8M | −$821.0M | −$831.4M | −$1.05B | −$816.1M | −$809.6M | −$830.8M | −$850.2M | −$859.0M | −$867.1M |
| Tangible book value | $126.2M | $126.6M | $127.5M | $128.4M | $128.5M | $128.9M | $128.6M | $129.6M | $129.9M | $129.5M | $129.7M | $129.2M |
| Book value per share | $19.58 | $19.63 | $19.52 | $19.09 | $19.32 | $19.14 | $18.94 | $18.88 | $18.85 | $18.67 | $18.57 | $18.39 |
| Shares outstanding | 6.4M | 6.4M | 6.5M | 6.7M | 6.7M | 6.7M | 6.8M | 6.9M | 6.9M | 6.9M | 7.0M | 7.0M |
| Current ratio | 0.48 | 0.68 | 0.07 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 |
| Quick ratio | 0.48 | 0.68 | 0.07 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 |
| Debt / equity | 1.24 | 1.47 | 1.67 | 1.66 | 1.66 | 1.67 | 1.91 | 1.93 | 1.84 | 1.81 | 1.87 | 1.82 |
| Equity / assets | 10.4% | 10.4% | 10.4% | 10.4% | 10.3% | 10.2% | 10.2% | 10.3% | 10.2% | 10.0% | 10.0% | 9.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 2, 2026); data from EODHD.
PROV financial position
At the end of fiscal 2026 (June 30, 2026), Provident Financial had total assets of $1.2 billion (down 3.0% from a year earlier), total liabilities of $1.1 billion and shareholders' equity of $126.2 million. It held $49.2 million in cash and short-term investments against $157.0 million of debt, net debt of $107.8 million. Its current ratio was 0.48.
Related: PROV income statement, PROV cash flow statement, PROV key metrics. See the PROV stock overview for the latest quote and news.
PROV balance sheet FAQ
What are Provident Financial's total assets?
Provident Financial reported total assets of $1.2 billion at the end of fiscal 2026 (June 30, 2026), compared with $1.2 billion a year earlier.
How much debt does Provident Financial have?
Provident Financial had $157.0 million of total debt at the end of fiscal 2026, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.24.
How much cash does Provident Financial have?
Provident Financial held $49.2 million in cash and short-term investments at the end of fiscal 2026; with $157.0 million of debt that is net debt of $107.8 million.
What is Provident Financial's book value?
Provident Financial's shareholders' equity (book value) was $126.2 million at the end of fiscal 2026, or $19.58 per share.
What is Provident Financial's current ratio?
Provident Financial had current assets of $53.5 million and current liabilities of $112.0 million, a current ratio of 0.48 (current liabilities exceed current assets).