Provident Historical Income Statement

PFS Stock

USD 21.33 0.04 0.19%

Historical analysis of Provident Financial income statement accounts such as Operating Income of 239.8 M, Cost Of Revenue of 28 M, Income Before Tax of 103.1 M or Net Income Applicable To Common Shares of 212.1 M can show how well Provident Financial Services performed in making a profits. Evaluating Provident Financial income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Provident Financial's future profits or losses.

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Financial Statement Analysis is much more than just reviewing and examining Provident Financial latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Provident Financial is a good buy for the upcoming year.

Net Income Gross Profit

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Provident Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Provident Income Statement Analysis

Provident Financial Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Provident Financial shareholders. The income statement also shows Provident investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Provident Financial Income Statement Chart

At this time, Provident Financial's Interest Expense is comparatively stable compared to the past year. Net Income Applicable To Common Shares is likely to gain to about 212.1 M in 2024, whereas Total Revenue is likely to drop slightly above 296.6 M in 2024.

Selling General Administrative Total Revenue Gross Profit Operating Income

Total Revenue

Total revenue comprises all receipts Provident Financial generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Provident Financial Services minus its cost of goods sold. It is profit before Provident Financial operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Operating Income

Operating Income is the amount of profit realized from Provident Financial operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Provident Financial Services is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most accounts from Provident Financial's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Provident Financial current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Provident Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2021	2022	2023	2024 (projected)
Gross Profit	414.2M	462.3M	404.0M	265.5M
Total Revenue	452.8M	505.3M	451.4M	296.6M

Gross Profit Total Revenue

Provident Financial income statement Correlations

	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Operating Income	Cost Of Revenue	Income Before Tax	Net Income	Income Tax Expense	Depreciation And Amortization	Selling And Marketing Expenses	Other Operating Expenses	Ebit	Ebitda	Total Operating Expenses	Total Other Income Expense Net	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Interest Expense		0.51	0.26	0.27	0.22	-0.14	0.14	0.14	0.13	0.51	0.45	-0.07	-0.66	-0.61	0.55	0.21	0.29	0.3	0.59	0.72	0.5	0.92
Selling General Administrative	0.51		0.9	0.9	0.36	-0.14	0.82	0.82	0.74	0.59	0.52	0.2	0.13	0.18	-0.06	0.42	0.67	0.57	0.84	0.87	0.21	0.58
Total Revenue	0.26	0.9		0.98	0.3	-0.06	0.96	0.96	0.84	0.61	0.5	0.3	0.47	0.52	-0.28	0.54	0.75	0.65	0.87	0.78	-0.1	0.28
Gross Profit	0.27	0.9	0.98		0.42	-0.24	0.96	0.97	0.86	0.54	0.5	0.26	0.47	0.51	-0.31	0.45	0.75	0.6	0.81	0.72	-0.1	0.25
Operating Income	0.22	0.36	0.3	0.42		-0.69	0.45	0.38	0.6	-0.01	0.33	-0.6	0.06	0.06	0.27	-0.19	0.27	0.44	0.19	0.15	-0.34	0.13
Cost Of Revenue	-0.14	-0.14	-0.06	-0.24	-0.69		-0.18	-0.16	-0.23	0.27	-0.12	0.16	-0.03	-0.01	0.19	0.38	-0.13	0.14	0.15	0.16	0.02	0.11
Income Before Tax	0.14	0.82	0.96	0.96	0.45	-0.18		0.99	0.93	0.49	0.42	0.21	0.55	0.58	-0.31	0.45	0.76	0.7	0.77	0.65	-0.31	0.14
Net Income	0.14	0.82	0.96	0.97	0.38	-0.16	0.99		0.88	0.49	0.4	0.29	0.55	0.59	-0.36	0.47	0.77	0.64	0.78	0.66	-0.28	0.13
Income Tax Expense	0.13	0.74	0.84	0.86	0.6	-0.23	0.93	0.88		0.44	0.45	-0.03	0.47	0.5	-0.12	0.35	0.67	0.8	0.68	0.56	-0.34	0.15
Depreciation And Amortization	0.51	0.59	0.61	0.54	-0.01	0.27	0.49	0.49	0.44		0.51	0.24	0.12	0.2	0.15	0.62	0.35	0.69	0.84	0.75	-0.01	0.52
Selling And Marketing Expenses	0.45	0.52	0.5	0.5	0.33	-0.12	0.42	0.4	0.45	0.51		-0.2	0.02	0.06	0.27	0.3	0.43	0.48	0.59	0.57	0.08	0.42
Other Operating Expenses	-0.07	0.2	0.3	0.26	-0.6	0.16	0.21	0.29	-0.03	0.24	-0.2		0.3	0.32	-0.75	0.35	0.26	-0.19	0.19	0.14	0.23	-0.13
Ebit	-0.66	0.13	0.47	0.47	0.06	-0.03	0.55	0.55	0.47	0.12	0.02	0.3		1.0	-0.71	0.27	0.23	0.22	0.13	-0.12	-0.61	-0.67
Ebitda	-0.61	0.18	0.52	0.51	0.06	-0.01	0.58	0.59	0.5	0.2	0.06	0.32	1.0		-0.69	0.31	0.26	0.27	0.2	-0.06	-0.6	-0.62
Total Operating Expenses	0.55	-0.06	-0.28	-0.31	0.27	0.19	-0.31	-0.36	-0.12	0.15	0.27	-0.75	-0.71	-0.69		-0.04	-0.21	0.28	0.11	0.24	0.13	0.63
Total Other Income Expense Net	0.21	0.42	0.54	0.45	-0.19	0.38	0.45	0.47	0.35	0.62	0.3	0.35	0.27	0.31	-0.04		0.27	0.37	0.64	0.54	-0.12	0.29
Net Income From Continuing Ops	0.29	0.67	0.75	0.75	0.27	-0.13	0.76	0.77	0.67	0.35	0.43	0.26	0.23	0.26	-0.21	0.27		0.48	0.64	0.58	-0.06	0.22
Tax Provision	0.3	0.57	0.65	0.6	0.44	0.14	0.7	0.64	0.8	0.69	0.48	-0.19	0.22	0.27	0.28	0.37	0.48		0.76	0.64	-0.39	0.36
Net Interest Income	0.59	0.84	0.87	0.81	0.19	0.15	0.77	0.78	0.68	0.84	0.59	0.19	0.13	0.2	0.11	0.64	0.64	0.76		0.95	0.0	0.6
Interest Income	0.72	0.87	0.78	0.72	0.15	0.16	0.65	0.66	0.56	0.75	0.57	0.14	-0.12	-0.06	0.24	0.54	0.58	0.64	0.95		0.26	0.79
Reconciled Depreciation	0.5	0.21	-0.1	-0.1	-0.34	0.02	-0.31	-0.28	-0.34	-0.01	0.08	0.23	-0.61	-0.6	0.13	-0.12	-0.06	-0.39	0.0	0.26		0.54
Extraordinary Items	0.92	0.58	0.28	0.25	0.13	0.11	0.14	0.13	0.15	0.52	0.42	-0.13	-0.67	-0.62	0.63	0.29	0.22	0.36	0.6	0.79	0.54

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Provident Financial Account Relationship Matchups

Provident Financial income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Interest Expense	73.5M	50.7M	36.3M	48.6M	216.4M	227.2M
Selling General Administrative	118.2M	134.0M	149.6M	152.4M	203.8M	104.4M
Total Revenue	361.8M	385.0M	452.8M	505.3M	451.4M	296.6M
Gross Profit	327.9M	348.8M	414.2M	462.3M	404.0M	265.5M
Operating Income	147.1M	127.6M	227.1M	288.7M	242.8M	239.8M
Cost Of Revenue	33.8M	36.2M	38.6M	43.0M	47.4M	28.0M
Income Before Tax	147.1M	127.6M	227.1M	240.1M	175.8M	103.1M
Net Income Applicable To Common Shares	112.6M	97.0M	167.9M	175.6M	202.0M	212.1M
Net Income	112.6M	97.0M	167.9M	175.6M	128.4M	73.0M
Income Tax Expense	34.5M	30.6M	59.2M	64.5M	47.4M	30.1M
Depreciation And Amortization	2.7M	20.0M	22.7M	23.7M	22.2M	23.3M
Selling And Marketing Expenses	3.8M	4.1M	4.4M	5.2M	4.8M	4.6M
Other Operating Expenses	214.7M	257.4M	225.7M	5.2M	52.2M	70.2M
Ebit	147.1M	302.7M	337.0M	394.3M	(19.2M)	(18.2M)
Ebitda	149.8M	322.7M	359.8M	418.0M	3.0M	2.8M
Total Operating Expenses	(214.7M)	(257.4M)	(225.7M)	5.2M	208.6M	219.0M
Total Other Income Expense Net	(186.4M)	(44.6M)	(46.6M)	(48.2M)	(67.0M)	(70.4M)
Net Income From Continuing Ops	181.5M	97.0M	167.9M	175.6M	150.1M	126.7M
Tax Provision	34.5M	30.6M	59.2M	64.5M	53.2M	47.3M
Net Interest Income	298.0M	312.6M	366.0M	417.6M	417.7M	354.3M
Interest Income	371.5M	363.3M	402.3M	466.2M	588.8M	424.1M
Reconciled Depreciation	18.8M	20.0M	3.7M	3.3M	22.6M	14.2M

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Provident Historical Income Statement

About Provident Income Statement Analysis

Provident Financial Income Statement Chart

Total Revenue

Gross Profit

Operating Income

Provident Financial income statement Correlations

Provident Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Provident Financial income statement Accounts

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Ebitda	+ 1.0	Ebit
Net Income	+ 0.99	Income Before Tax
Gross Profit	+ 0.98	Total Revenue
Net Income	+ 0.97	Gross Profit
Income Before Tax	+ 0.96	Total Revenue
Net Income	+ 0.96	Total Revenue

Total Operating Expenses	- 0.75	Other Operating Expenses
Total Operating Expenses	- 0.71	Ebit
Total Operating Expenses	- 0.69	Ebitda
Cost Of Revenue	- 0.69	Operating Income
Extraordinary Items	- 0.67	Ebit
Ebit	- 0.66	Interest Expense