Provident Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Provident Financial Services
PFS Stock  USD 23.79  0.23  0.98%   
Provident Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Provident Financial's valuation are provided below:
Gross Profit
866.8 M
Profit Margin
0.3359
Market Capitalization
3.1 B
Enterprise Value Revenue
6.4637
Revenue
866.8 M
There are over one hundred nineteen available trending fundamental ratios for Provident Financial, which can be analyzed over time and compared to other ratios. All traders should check out Provident Financial's recent fundamentals against the performance from 2010 to 2026 and make sure the trends continue to evolve in the right direction.

Provident Financial Total Revenue

1.45 Billion

Check Provident Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Provident Financial's main balance sheet or income statement drivers, such as Interest Expense of 537.8 M, Selling General Administrative of 321.2 M or Total Revenue of 1.5 B, as well as many indicators such as Price To Sales Ratio of 1.77, Dividend Yield of 0.0276 or PTB Ratio of 1.29. Provident financial statements analysis is a perfect complement when working with Provident Financial Valuation or Volatility modules.
  
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Provident Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets26.2 B25 B12.4 B
Slightly volatile
Total Stockholder Equity3 B2.8 B1.5 B
Slightly volatile
Other Liabilities82.2 M102.4 M96.7 M
Slightly volatile
Retained Earnings596.8 M1.2 B650.9 M
Slightly volatile
Accounts Payable12.8 B12.1 B7.9 B
Slightly volatile
Cash177 M211.5 M200.3 M
Slightly volatile
Long Term Debt2.6 B2.5 B1.4 B
Slightly volatile
Good Will392.4 M717.7 M414.6 M
Slightly volatile
Short Term Investments3.3 B3.2 B1.5 B
Slightly volatile
Total Liabilities23.3 B22.1 B9.2 B
Slightly volatile
Intangible Assets821.3 M782.2 M261.7 M
Slightly volatile
Property Plant Equipment83.1 M113.3 M83.7 M
Slightly volatile
Short and Long Term Debt Total1.7 B2.5 B1.9 B
Slightly volatile
Other Current Liabilities15.1 B14.4 B7.9 B
Slightly volatile
Total Current Liabilities15.1 B14.4 B8.3 B
Slightly volatile
Property Plant And Equipment Net79.4 M113.3 M76.7 M
Slightly volatile
Non Current Assets Total850.7 M895.5 M4.4 B
Pretty Stable
Cash And Short Term Investments3.5 B3.4 B1.7 B
Slightly volatile
Net Receivables100.6 M95.8 M43.6 M
Slightly volatile
Common Stock Shares Outstanding74.3 M130.5 M72.1 M
Slightly volatile
Liabilities And Stockholders Equity26.2 B25 B12.4 B
Slightly volatile
Non Current Liabilities Total23.3 B22.1 B4.4 B
Slightly volatile
Other Stockholder Equity1.8 B1.8 B869.2 M
Slightly volatile
Property Plant And Equipment Gross363.2 M345.9 M138.5 M
Slightly volatile
Total Current Assets2.6 B3.5 B3.5 B
Very volatile
Other Current Assets264.4 M278.4 M2.9 B
Slightly volatile
Common Stock Total Equity897.8 K956.8 K830.4 K
Slightly volatile
Common Stock952.1 K1.6 M902.4 K
Slightly volatile
Short Term Debt96.8 M101.9 M628.6 M
Slightly volatile
Net Tangible Assets938.8 M1.3 B918.5 M
Slightly volatile
Retained Earnings Total Equity627.8 M1.1 B643.5 M
Slightly volatile
Long Term Debt Total2.6 B2.5 B1.3 B
Pretty Stable
Capital Surpluse1.2 B1.8 B1.1 B
Slightly volatile
Long Term Investments4.7 B2.8 B5.6 B
Slightly volatile
Non Current Liabilities Other331.9 M316.1 M165 M
Slightly volatile
Short and Long Term Debt801.9 M494.9 M947.6 M
Slightly volatile
Earning Assets2 B3.1 B2 B
Slightly volatile
Net Invested Capital3.3 B5.6 B3.1 B
Slightly volatile
Capital Stock1 M1.6 M918.1 K
Slightly volatile

Provident Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Selling General Administrative321.2 M305.9 M141.8 M
Slightly volatile
Total Revenue1.5 B1.4 B559.7 M
Slightly volatile
Gross Profit910.2 M866.8 M405.1 M
Slightly volatile
Operating Income428.6 M408.2 M168.7 M
Slightly volatile
Cost Of Revenue541.6 M515.8 M154.7 M
Slightly volatile
Income Before Tax428.6 M408.2 M167.5 M
Slightly volatile
Net Income Applicable To Common Shares305.7 M291.2 M121.6 M
Slightly volatile
Net Income305.7 M291.2 M121.6 M
Slightly volatile
Income Tax Expense122.8 M117 M45.9 M
Slightly volatile
Depreciation And Amortization65.9 M62.8 M22.8 M
Slightly volatile
Selling And Marketing Expenses4.7 M5.5 M4.4 M
Slightly volatile
Other Operating Expenses1 B974.5 M386.7 M
Slightly volatile
EBIT108.6 M172.1 M135.1 M
Slightly volatile
EBITDA428.6 M408.2 M183.1 M
Slightly volatile
Net Income From Continuing Ops126.7 M132.9 M116.9 M
Slightly volatile
Tax Provision122.8 M117 M49.6 M
Slightly volatile
Net Interest Income385 M690.7 M342.6 M
Slightly volatile
Interest Income1.3 B1.2 B496.5 M
Slightly volatile
Reconciled Depreciation65.9 M62.8 M20.9 M
Slightly volatile

Provident Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Income305.7 M291.2 M121.6 M
Slightly volatile
End Period Cash Flow190.8 M236.7 M203.4 M
Slightly volatile
Free Cash Flow513.3 M488.8 M185.2 M
Slightly volatile
Begin Period Cash Flow189.6 M205.9 M190.8 M
Slightly volatile
Depreciation65.9 M62.8 M22.8 M
Slightly volatile
Total Cash From Operating Activities514.9 M490.3 M192.2 M
Slightly volatile
Change To Inventory1.3 M1.7 M1.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.771.86513.4609
Slightly volatile
Dividend Yield0.02760.04860.0377
Slightly volatile
PTB Ratio1.290.91021.1619
Slightly volatile
Days Sales Outstanding32.8625.2930.8534
Pretty Stable
Book Value Per Share14.3921.699619.1878
Slightly volatile
Free Cash Flow Yield0.190.180.1115
Slightly volatile
Operating Cash Flow Per Share3.673.52.2969
Slightly volatile
Stock Based Compensation To Revenue0.01570.00960.0198
Pretty Stable
Capex To Depreciation0.02620.02750.5073
Slightly volatile
PB Ratio1.290.91021.1619
Slightly volatile
EV To Sales6.913.53376.1797
Slightly volatile
Free Cash Flow Per Share3.663.492.1916
Slightly volatile
ROIC0.070.06670.0404
Slightly volatile
Net Income Per Share2.342.231.532
Slightly volatile
Sales General And Administrative To Revenue0.210.22130.2691
Slightly volatile
Capex To Revenue0.00130.00130.0207
Slightly volatile
Cash Per Share27.1525.858722.0803
Slightly volatile
POCF Ratio5.35.589.4642
Slightly volatile
Interest Coverage1.360.79692.328
Very volatile
Payout Ratio0.390.43050.5295
Pretty Stable
Capex To Operating Cash Flow0.00330.00350.0553
Slightly volatile
PFCF Ratio5.325.610.0852
Slightly volatile
Income Quality2.164.241.914
Very volatile
ROE0.110.10280.078
Slightly volatile
EV To Operating Cash Flow10.9811.5617.0914
Slightly volatile
PE Ratio8.418.856515.0742
Slightly volatile
Return On Tangible Assets0.00650.0120.0098
Very volatile
EV To Free Cash Flow11.0111.5918.2021
Slightly volatile
Earnings Yield0.120.11290.0758
Slightly volatile
Intangibles To Total Assets0.04930.03130.0398
Pretty Stable
Current Ratio0.10.150.1812
Pretty Stable
Tangible Book Value Per Share9.615.709113.1617
Slightly volatile
Receivables Turnover10.0114.432612.1252
Very volatile
Graham Number17.5932.996624.8649
Slightly volatile
Shareholders Equity Per Share14.3921.699619.1878
Slightly volatile
Debt To Equity1.110.88890.981
Pretty Stable
Capex Per Share0.0130.01370.1057
Slightly volatile
Revenue Per Share11.1210.58946.7475
Slightly volatile
Interest Debt Per Share15.723.212520.0677
Pretty Stable
Debt To Assets0.150.10080.1261
Pretty Stable
Enterprise Value Over EBITDA20.7511.970217.4042
Slightly volatile
Short Term Coverage Ratios3.563.391.4604
Slightly volatile
Price Earnings Ratio8.418.856515.0742
Slightly volatile
Operating Cycle32.8625.2930.8534
Pretty Stable
Price Book Value Ratio1.290.91021.1619
Slightly volatile
Dividend Payout Ratio0.390.43050.5295
Pretty Stable
Price To Operating Cash Flows Ratio5.35.589.4642
Slightly volatile
Price To Free Cash Flows Ratio5.325.610.0852
Slightly volatile
Pretax Profit Margin0.210.29520.3178
Pretty Stable
Operating Profit Margin0.210.29520.3178
Pretty Stable
Effective Tax Rate0.290.28660.2761
Slightly volatile
Company Equity Multiplier6.068.81717.8544
Very volatile
Long Term Debt To Capitalization0.510.47060.4512
Very volatile
Total Debt To Capitalization0.540.47060.486
Pretty Stable
Return On Capital Employed0.01550.01630.0495
Slightly volatile
Debt Equity Ratio1.110.88890.981
Pretty Stable
Ebit Per Revenue0.210.29520.3178
Pretty Stable
Quick Ratio0.10.150.1812
Pretty Stable
Dividend Paid And Capex Coverage Ratio4.174.793.3693
Pretty Stable
Net Income Per E B T0.590.71340.7169
Very volatile
Cash Ratio0.0120.01260.0241
Very volatile
Cash Conversion Cycle32.8625.2930.8534
Pretty Stable
Operating Cash Flow Sales Ratio0.40.430.3858
Slightly volatile
Days Of Sales Outstanding32.8625.2930.8534
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.740.90.9239
Pretty Stable
Cash Flow Coverage Ratios0.140.20.1515
Pretty Stable
Price To Book Ratio1.290.91021.1619
Slightly volatile
Fixed Asset Turnover12.8112.20016.593
Slightly volatile
Capital Expenditure Coverage Ratio30829471.3275
Slightly volatile
Price Cash Flow Ratio5.35.589.4642
Slightly volatile
Enterprise Value Multiple20.7511.970217.4042
Slightly volatile
Debt Ratio0.150.10080.1261
Pretty Stable
Cash Flow To Debt Ratio0.140.20.1515
Pretty Stable
Price Sales Ratio1.771.86513.4609
Slightly volatile
Return On Assets0.00620.01170.0094
Very volatile
Asset Turnover0.04870.05530.0419
Slightly volatile
Net Profit Margin0.140.21060.2289
Pretty Stable
Gross Profit Margin0.570.62690.7464
Very volatile
Price Fair Value1.290.91021.1619
Slightly volatile
Return On Equity0.110.10280.078
Slightly volatile

Provident Fundamental Market Drivers

Forward Price Earnings9.8717
Cash And Short Term Investments3.4 B

Provident Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Provident Financial Financial Statements

Provident Financial shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Provident Financial investors may analyze each financial statement separately, they are all interrelated. The changes in Provident Financial's assets and liabilities, for example, are also reflected in the revenues and expenses on on Provident Financial's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue1.4 B1.5 B
Cost Of Revenue515.8 M541.6 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.22  0.21 
Revenue Per Share 10.59  11.12 
Ebit Per Revenue 0.30  0.21 

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Additional Tools for Provident Stock Analysis

When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.
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