Provident Financial Holdings, Inc. (PROV) Key Metrics
PROV valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $112.5M
- Enterprise value
- $223.1M
- P/E (TTM)
- 17.6 10-yr median 16.7
- Forward P/E
- 10.2
- PEG ratio
- 4.00
- Price / sales
- 2.8 10-yr median 2.2
- Price / book
- 0.9 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 18.8
- Dividend yield
- 3.09% $0.56 a year
- Beta
- 0.31
PROV key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsPROV valuation Price multiples at each fiscal year-end price.
PROV returns How much profit the business earns on the capital it uses.
PROV per-share figures Results divided by the shares outstanding at year-end.
PROV financial health Debt, liquidity and how easily interest is covered.
PROV efficiency & capital use Working capital cycle and where the cash goes.
PROV valuation history
PROV returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PROV debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PROV cash returned to shareholders
PROV price vs earnings per share
PROV key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $110.9M | $104.8M | $87.0M | $91.7M | $110.5M | $130.2M | $101.6M | $159.4M | $146.9M | $155.9M |
| Enterprise value | $218.7M | $264.7M | $272.3M | $258.7M | $169.4M | $157.3M | $121.9M | $184.0M | $222.3M | $200.0M |
| P/E ratio | 16.7 | 16.8 | 11.8 | 10.7 | 12.1 | 17.2 | 13.2 | 36.1 | 68.9 | 29.9 |
| Price / sales | 1.9 | 1.7 | 1.5 | 2.2 | 2.8 | 3.3 | 2.2 | 2.8 | 2.3 | 2.1 |
| Price / book | 0.9 | 0.8 | 0.7 | 0.7 | 0.9 | 1.0 | 0.8 | 1.3 | 1.2 | 1.2 |
| Price / free cash flow | 13.0 | 12.9 | 21.2 | 5.9 | 9.5 | 11.5 | 13.2 | 1.5 | 5.9 | 1.9 |
| Price / operating cash flow | 12.4 | 12.1 | 15.3 | 5.6 | 9.4 | 11.2 | 12.8 | 1.5 | 5.2 | 1.9 |
| EV / sales | 3.7 | 4.4 | 4.6 | 6.3 | 4.3 | 4.0 | 2.6 | 3.2 | 3.4 | 2.7 |
| EV / EBITDA | 22.7 | 21.4 | 20.1 | 16.6 | 9.6 | 9.6 | 8.5 | 20.5 | 25.7 | 17.5 |
| EV / free cash flow | 25.6 | 32.5 | 66.5 | 16.6 | 14.6 | 13.9 | 15.8 | 1.7 | 8.9 | 2.5 |
| Earnings yield | 6.0% | 6.0% | 8.5% | 9.4% | 8.2% | 5.8% | 7.6% | 2.8% | 1.5% | 3.3% |
| Free cash flow yield | 7.7% | 7.8% | 4.7% | 17.0% | 10.5% | 8.7% | 7.6% | 66.9% | 17.1% | 52.2% |
| Dividend yield | 3.2% | 3.6% | 4.5% | 4.4% | 3.8% | 3.2% | 4.1% | 2.6% | 2.9% | 2.6% |
| Shareholder yield (dividends + buybacks) | 8.6% | 7.8% | 7.5% | 9.4% | 7.7% | 5.0% | 5.4% | 3.5% | 7.9% | 8.2% |
| Share price at fiscal year-end | $17.20 | $15.50 | $12.50 | $12.75 | $14.83 | $17.27 | $13.41 | $20.99 | $19.08 | $19.25 |
| Per share | ||||||||||
| Revenue per share | $9.25 | $8.90 | $8.43 | $5.71 | $5.30 | $5.28 | $6.20 | $7.49 | $8.39 | $9.04 |
| Earnings per share | $1.03 | $0.93 | $1.06 | $1.19 | $1.22 | $1.00 | $1.01 | $0.58 | $0.28 | $0.64 |
| Operating cash flow per share | $1.39 | $1.28 | $0.82 | $2.27 | $1.58 | $1.54 | $1.05 | $14.10 | $3.63 | $10.30 |
| Free cash flow per share | $1.32 | $1.21 | $0.59 | $2.17 | $1.56 | $1.51 | $1.02 | $14.04 | $3.26 | $10.05 |
| Cash per share | $7.63 | $7.86 | $7.65 | $9.46 | $3.50 | $9.80 | $15.94 | $10.08 | $6.60 | $10.14 |
| Book value per share | $19.58 | $19.01 | $18.67 | $18.03 | $17.27 | $16.88 | $16.36 | $15.88 | $15.64 | $15.83 |
| Tangible book value per share | $19.58 | $19.01 | $18.67 | $18.03 | $17.27 | $16.88 | $16.31 | $15.80 | $15.52 | $15.74 |
| Dividends per share | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 | $0.55 | $0.55 | $0.55 | $0.55 | $0.51 |
| Capex per share | $0.07 | $0.08 | $0.23 | $0.10 | $0.02 | $0.03 | $0.03 | $0.06 | $0.38 | $0.18 |
| Debt per share | $24.36 | $31.52 | $34.27 | $32.68 | $11.41 | $13.40 | $18.62 | $13.31 | $16.38 | $15.59 |
| Shares outstanding | 6.4M | 6.8M | 7.0M | 7.2M | 7.4M | 7.5M | 7.6M | 7.6M | 7.7M | 8.1M |
| Change in shares outstanding | −4.6% | −2.8% | −3.2% | −3.5% | −1.2% | −0.5% | −0.3% | −1.4% | −4.9% | −5.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.2% | 4.8% | 5.7% | 6.7% | 7.1% | 6.0% | 6.3% | 3.7% | 1.7% | 4.0% |
| Return on invested capital (ROIC) | 2.5% | 2.1% | 2.4% | 3.5% | 5.3% | 5.1% | 5.3% | 2.6% | 1.5% | 3.1% |
| Return on assets (ROA) | 0.5% | 0.5% | 0.6% | 0.7% | 0.8% | 0.6% | 0.7% | 0.4% | 0.2% | 0.4% |
| Return on tangible assets | 0.6% | 0.5% | 0.6% | 0.6% | 0.8% | 0.6% | 0.7% | 0.4% | 0.2% | 0.4% |
| Free cash flow margin | 14.3% | 13.6% | 7.0% | 38.0% | 29.5% | 28.5% | 16.4% | 187.5% | 38.8% | 111.2% |
| Income quality (OCF / net income) | 1.35 | 1.39 | 0.77 | 1.90 | 1.30 | 1.53 | 1.03 | 24.25 | 13.13 | 16.02 |
| Financial health | ||||||||||
| Total debt | $157.0M | $213.1M | $238.5M | $235.0M | $85.0M | $101.0M | $141.0M | $101.1M | $126.2M | $126.2M |
| Cash & short-term investments | $49.2M | $53.2M | $53.2M | $68.0M | $26.1M | $73.9M | $120.8M | $76.6M | $50.8M | $82.1M |
| Net debt | $107.8M | $159.9M | $185.3M | $167.0M | $58.9M | $27.1M | $20.3M | $24.5M | $75.4M | $44.1M |
| Debt / equity | 1.24 | 1.66 | 1.84 | 1.81 | 0.66 | 0.79 | 1.14 | 0.84 | 1.05 | 0.98 |
| Debt / assets | 0.13 | 0.17 | 0.19 | 0.18 | 0.07 | 0.09 | 0.12 | 0.09 | 0.11 | 0.11 |
| Net debt / EBITDA | 11.19 | 12.94 | 13.68 | 10.70 | 3.33 | 1.65 | 1.42 | 2.72 | 8.71 | 3.85 |
| 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 | 0.13 | 0.16 | 0.07 | 0.17 | 0.28 | 0.20 | 0.13 | 0.14 |
| Interest coverage | 0.5 | 0.4 | 0.5 | 1.4 | 4.1 | 2.2 | 1.8 | 1.0 | 0.9 | 1.3 |
| Working capital | −$58.5M | −$831.4M | −$830.8M | −$886.0M | −$929.2M | −$863.5M | −$774.6M | −$768.7M | −$858.0M | −$843.8M |
| Invested capital | $234.1M | $288.5M | $315.2M | $296.7M | $187.6M | $154.4M | $144.3M | $145.1M | $195.8M | $172.3M |
| Tangible asset value | $126.2M | $128.5M | $129.9M | $129.7M | $128.7M | $127.3M | $123.6M | $120.0M | $119.5M | $127.5M |
| Net current asset value | −$1.03B | −$1.06B | −$1.08B | −$1.12B | −$1.01B | −$964.5M | −$915.7M | −$869.8M | −$984.1M | −$970.0M |
| Graham number | $21.32 | $19.89 | $21.07 | $22.02 | $21.78 | $19.52 | $19.33 | $14.41 | $9.87 | $15.13 |
| Graham net-net per share | −$159.69 | −$156.89 | −$160.03 | −$162.31 | −$140.05 | −$134.89 | −$130.58 | −$121.38 | −$133.19 | −$123.62 |
| Capital allocation | ||||||||||
| Dividends paid | $3.6M | $3.8M | $3.9M | $4.0M | $4.1M | $4.2M | $4.2M | $4.2M | $4.2M | $4.1M |
| Share buybacks (net) | $6.0M | $4.4M | $2.6M | $4.6M | $4.3M | $2.3M | $1.3M | $1.4M | $7.3M | $8.7M |
| Dividend payout ratio | 54.0% | 60.2% | 52.9% | 46.5% | 45.6% | 55.2% | 54.4% | 95.0% | 198.4% | 79.1% |
| Dividends + buybacks / free cash flow | 112.1% | 100.7% | 158.4% | 55.5% | 72.7% | 57.4% | 70.8% | 5.3% | 46.2% | 15.8% |
| Capex / revenue | 0.7% | 0.9% | 2.7% | 1.8% | 0.4% | 0.6% | 0.5% | 0.8% | 4.5% | 2.0% |
| Capex / operating cash flow | 4.8% | 6.1% | 28.0% | 4.5% | 1.4% | 1.9% | 2.9% | 0.4% | 10.4% | 1.8% |
| Capex / depreciation | 0.11 | 0.15 | 0.50 | 0.23 | 0.03 | 0.04 | 0.07 | 0.15 | 0.93 | 0.56 |
| Stock-based compensation / revenue | 1.0% | 0.9% | 0.4% | 2.9% | 2.0% | 3.3% | 2.0% | 1.5% | 1.6% | 2.0% |
| SG&A / revenue | 42.4% | 34.0% | 32.6% | 44.8% | 43.1% | 41.2% | 42.4% | 55.8% | 56.7% | 59.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 26.0 | 25.8 | 24.9 | 29.7 | 27.6 | 28.8 | 26.0 | 21.3 | 17.3 | 14.2 |
| Days of inventory on hand | — | — | -1,157.5 | -1,866.4 | -27,022.2 | -9,119.0 | -4,918.9 | -3,866.9 | -2,287.5 | -1,764.1 |
| Days payables outstanding | — | — | — | 691.9 | 9,557.3 | 1,714.4 | 1,034.8 | 1,374.0 | 1,273.0 | 1,291.9 |
| Cash conversion cycle (days) | — | — | — | -2,528.6 | -36,551.9 | -10,804.7 | -5,927.7 | -5,219.6 | -3,543.2 | -3,041.8 |
| Receivables turnover | 14.03 | 14.15 | 14.67 | 12.30 | 13.23 | 12.69 | 14.03 | 17.15 | 21.09 | 25.72 |
| Payables turnover | — | — | — | 0.53 | 0.04 | 0.21 | 0.35 | 0.27 | 0.29 | 0.28 |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.06 |
| Average receivables | $4.2M | $4.3M | $4.0M | $3.3M | $3.0M | $3.1M | $3.3M | $3.3M | $3.1M | $2.8M |
| Average payables | — | — | — | $17.8M | $17.6M | $18.1M | $20.3M | $21.6M | $20.5M | $20.0M |
| Average inventory | — | — | −$62.6M | −$48.0M | −$49.8M | −$96.3M | −$96.7M | −$60.7M | −$36.8M | −$27.2M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% |
Computed from PROV's annual financial statements (latest annual report filed September 2, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PROV valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), Provident Financial traded at 16.7 times earnings, against a 10-year median of 16.7. Based on the latest twelve months, the trailing P/E is 17.6 and the forward P/E is 10.2. Provident Financial earned a return on equity of 5.2% and a return on invested capital of 2.5% in fiscal 2026. It ended the year with $157.0 million of debt and $49.2 million in cash and short-term investments, net debt of $107.8 million. It returned $9.6 million to shareholders: $3.6 million in dividends and $6.0 million in share buybacks, 112% of free cash flow. The share count fell 20.4% from 8.1M to 6.4M over 9 years.
See the PROV income statement, the PROV chart for price history, or the PROV stock overview for the latest quote and news.
PROV key metrics FAQ
What is Provident Financial's P/E ratio?
Provident Financial's trailing P/E ratio is 17.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.2. At the end of fiscal 2026 it was 16.7, compared with a 10-year median of 16.7.
What is Provident Financial's EV/EBITDA?
Provident Financial's enterprise value was 22.7 times EBITDA at the end of fiscal 2026 (enterprise value $218.7 million, EBITDA $9.6 million).
What is Provident Financial's return on equity?
Provident Financial's return on equity (ROE) was 5.2% in fiscal 2026: net income of $6.7 million on average shareholders' equity of $127.4 million.
What is Provident Financial's ROIC?
Provident Financial's return on invested capital was 2.5% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Provident Financial have?
Provident Financial had total debt of $157.0 million at the end of fiscal 2026, a debt-to-equity ratio of 1.24 and $107.8 million of net debt (11.19 times EBITDA).
What is Provident Financial's dividend yield?
Provident Financial's forward dividend yield is 3.09%. Provident Financial paid $3.6 million in dividends in fiscal 2026 ($0.56 per share), a payout ratio of 54.0%.
Does Provident Financial buy back its shares?
Yes. Provident Financial spent $6.0 million on net share repurchases in fiscal 2026 Shares outstanding changed −4.6% over the year, to 6.4M..
What is Provident Financial's free cash flow yield?
Provident Financial generated $8.5 million of free cash flow in fiscal 2026, a free cash flow yield of 7.7% on its market value at year-end ($110.9 million).
What is Provident Financial's current ratio?
Provident Financial's current ratio was 0.48 at the end of fiscal 2026: current assets were 0.48 times current liabilities.