Provident Financial Holdings Inc Ratios

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Ratios Jun2010 Jun2011 Jun2012 Jun2013 Jun2014 Jun2015 Jun2016 Jun2017 Jun2018 Jun2019 Jun2020 Jun2021 Jun2022 Jun2023 Jun2024 Jun2025
Profitability
Gross Margin 52.10%49.17%51.99%57.63%60.83%59.21%48.77%43.56%
EBT Margin 3.00%31.40%23.46%39.35%18.61%23.19%18.51%13.25%254.82%307.05%677.14%634.70%784.50%814.16%750.51%701.42%
EBIT Margin 52.46%59.66%41.87%49.30%30.36%31.90%28.56%23.28%-2,400.83%64.47%142.17%133.27%164.73%170.95%157.59%147.27%
Operating Margin -2,400.83%64.47%142.17%133.27%164.73%170.95%157.59%147.27%
Net Margin 1.80%17.84%13.53%23.76%10.59%13.31%10.77%7.82%98.25%229.10%477.58%471.09%554.79%563.41%502.02%494.47%
FCF Margin 2.21%-2.07%-12.18%50.72%77.75%-78.43%68.87%125.37%1,156.15%5,531.22%479.81%707.04%709.46%1,021.90%295.95%644.66%
Efficiency
Assets Average 1,130.20M1,130.84M1,180.22M1,185.32M1,259.99M1,302.57M1,258.91M
Equity Average 120.55M122.31M125.63M127.97M129.17M129.81M129.24M
Invested Capital 120.46M120.64M123.98M127.28M128.65M129.69M368.44M341.62M
Asset Utilization Ratio 0.000.000.000.000.000.000.00
Leverage & Solvency
Interest Coverage Ratio 1.062.112.274.952.583.662.842.32-8.120.200.380.470.860.290.110.09
Debt to Equity 1.050.841.140.790.661.812.962.93
Debt Ratio 0.110.090.120.090.070.180.300.30
Equity Ratio 0.100.110.110.110.110.100.100.10
Times Interest Earned 1.062.112.274.952.583.662.842.32-8.120.200.380.470.860.290.110.09
Dividends & Payouts
FCF Payout Ratio -0.26-0.30-0.160.050.08-0.070.080.050.170.040.540.370.360.260.950.46
Valuation
Enterprise Value 54.75M91.46M126.99M165.95M140.59M145.95M149.62M151.91M11.24M-7.35M92.88M124.23M104.29M85.80M34.60M49.54M
Market Capitalization 142.35M157.37M99.72M129.81M108.04M89.54M85.97M102.63M
Return Ratios
Return on Sales 0.02%0.18%0.14%0.24%0.11%0.13%0.11%0.08%0.98%2.29%4.78%4.71%5.55%5.63%5.02%4.94%
Return on Invested Capital 0.01%0.01%0.01%0.01%0.01%0.01%0.00%
Return on Assets 0.00%0.01%0.01%0.01%0.01%0.01%0.00%
Return on Equity 0.04%0.06%0.06%0.07%0.07%0.05%0.05%