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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Provident Financial Holdings (PROV) Gross Margin (2018 - 2025)

Provident Financial Holdings' Gross Margin history spans 8 years, with the latest figure at 44.76% for Q4 2025.

  • For Q4 2025, Gross Margin rose 1107.0% year-over-year to 44.76%; the TTM value through Dec 2025 reached 47.24%, up 1634.0%, while the annual FY2025 figure was 43.56%, 500.0% up from the prior year.
  • Gross Margin reached 44.76% in Q4 2025 per PROV's latest filing, up from 44.15% in the prior quarter.
  • In the past five years, Gross Margin ranged from a high of 77.61% in Q2 2023 to a low of 27.81% in Q2 2024.
  • Average Gross Margin over 5 years is 47.04%, with a median of 46.21% recorded in 2022.
  • Peak YoY movement for Gross Margin: plummeted -10542bps in 2024, then soared 8552bps in 2025.
  • A 5-year view of Gross Margin shows it stood at 54.15% in 2021, then dropped by -14bps to 46.48% in 2022, then dropped by -15bps to 39.46% in 2023, then dropped by -15bps to 33.69% in 2024, then surged by 33bps to 44.76% in 2025.
  • Per Business Quant, the three most recent readings for PROV's Gross Margin are 44.76% (Q4 2025), 44.15% (Q3 2025), and 57.7% (Q2 2025).