Provident Financial Valuation
| PFS Stock | USD 21.66 0.26 1.21% |
At this time, the company appears to be overvalued. Provident Financial holds a recent Real Value of $20.35 per share. The prevailing price of the company is $21.66. Our model determines the value of Provident Financial from analyzing the company fundamentals such as Shares Outstanding of 130.49 M, operating margin of 0.48 %, and Return On Equity of 0.0445 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Provident Financial's valuation include:
Price Book 1.0654 | Enterprise Value 5.2 B | Price Sales 5.3087 | Forward PE 10.1626 | Trailing PE 21.1881 |
Overvalued
Today
Please note that Provident Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Provident Financial is based on 3 months time horizon. Increasing Provident Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Provident stock is determined by what a typical buyer is willing to pay for full or partial control of Provident Financial Services. Since Provident Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Provident Stock. However, Provident Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 21.66 | Real 20.35 | Target 20.2 | Hype 21.5 | Naive 20.85 |
The intrinsic value of Provident Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Provident Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Provident Financial Services helps investors to forecast how Provident stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Provident Financial more accurately as focusing exclusively on Provident Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Provident Financial's intrinsic value based on its ongoing forecasts of Provident Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Provident Financial's closest peers.
Provident Financial Cash |
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Provident Valuation Trend
Provident Financial's real value is important for investors to make better decisions and a more accurate overall view of Provident Financial's financial worth over time. Using both Provident Financial's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Provident Revenue by Product
Provident Financial Total Value Analysis
Provident Financial Services is at this time forecasted to have company total value of 5.24 B with market capitalization of 2.79 B, debt of 1.46 B, and cash on hands of 381.36 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Provident Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
5.24 B | 2.79 B | 1.46 B | 381.36 M |
Provident Financial Investor Information
About 69.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.07. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Provident Financial has Price/Earnings To Growth (PEG) ratio of 1.84. The entity last dividend was issued on the 15th of November 2024. Based on the analysis of Provident Financial's profitability, liquidity, and operating efficiency, Provident Financial Services is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.37 | 0.3943 |
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| Total Cash From Operating Activities | 122.9 M | 173.4 M |
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| Operating Income | 239.8 M | 242.8 M |
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Provident Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of Provident implies not a very effective usage of assets in November.Provident Financial Ownership Allocation
Provident Financial owns a total of 130.49 Million outstanding shares. Over half of Provident Financial's outstanding shares are owned by third-party entities. These third-party entities are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Please note that on November 29, 2016, Senator Pat Toomey of US Senate acquired $15k to $50k worth of Provident Financial's common stock.Provident Financial Profitability Analysis
The company reported the last year's revenue of 615.82 M. Total Income to common stockholders was 128.4 M with profit before taxes, overhead, and interest of 496.95 M.Provident Financial Past Distributions to stockholders
About Provident Financial Valuation
The stock valuation mechanism determines Provident Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Provident Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Provident Financial. We calculate exposure to Provident Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Provident Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 568.4 M | 596.8 M | |
| Pretax Profit Margin | 0.29 | 0.41 | |
| Operating Profit Margin | 0.39 | 0.37 | |
| Net Profit Margin | 0.21 | 0.29 | |
| Gross Profit Margin | 0.92 | 0.72 |
Provident Financial Quarterly Retained Earnings |
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A single share of Provident Financial represents a small ownership stake in the entity. As a stockholder of Provident, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Provident Financial Dividends Analysis For Valuation
At this time, Provident Financial's Dividend Yield is comparatively stable compared to the past year. Dividend Paid And Capex Coverage Ratio is likely to gain to 4.10 in 2024, whereas Dividends Paid is likely to drop slightly above 45 M in 2024. . At this time, Provident Financial's Earnings Yield is comparatively stable compared to the past year. Price Earnings Ratio is likely to gain to 20.89 in 2024, whereas Retained Earnings are likely to drop slightly above 548.3 M in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 72.4 M | 45 M | |
| Dividend Yield | 0.05 | 0.06 | |
| Dividend Payout Ratio | 0.56 | 0.38 | |
| Dividend Paid And Capex Coverage Ratio | 2.17 | 4.10 |
There are various types of dividends Provident Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Provident shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Provident Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Provident pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Provident Financial by the value of the dividends paid out.
Provident Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Provident Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 74.9 M | |
| Quarterly Earnings Growth Y O Y | -0.06 | |
| Forward Price Earnings | 10.1626 |
Provident Financial Current Valuation Indicators
Provident Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Provident Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Provident Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Provident Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Provident Financial's worth.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.