Provident Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Provident Financial Services
PFS Stock  USD 17.08  0.07  0.41%   
Provident Financial financial statements provide useful quarterly and yearly information to potential Provident Financial Services investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Provident Financial financial statements helps investors assess Provident Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Provident Financial's valuation are summarized below:
Gross Profit
607.2 M
Profit Margin
0.1903
Market Capitalization
2.2 B
Enterprise Value Revenue
6.5449
Revenue
607.2 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 2025 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 2.2 B in 2025. Enterprise Value is likely to gain to about 4.4 B in 2025

Provident Financial Total Revenue

1.1 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 467.8 M, Selling General Administrative of 242.9 M or Total Revenue of 1.1 B, as well as many indicators such as Price To Sales Ratio of 1.88, Dividend Yield of 0.0271 or PTB Ratio of 1.3. Provident financial statements analysis is a perfect complement when working with Provident Financial Valuation or Volatility modules.
  
Check out the analysis of Provident Financial Correlation against competitors.

Provident Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets25.3 B24.1 B11.6 B
Slightly volatile
Total Stockholder Equity2.7 B2.6 B1.4 B
Slightly volatile
Other Liabilities82.2 M102.4 M97.1 M
Slightly volatile
Retained Earnings569.9 M989.1 M617.7 M
Slightly volatile
Accounts Payable12.8 B12.1 B7.7 B
Slightly volatile
Cash174.8 M205.9 M199.4 M
Slightly volatile
Long Term Debt2.4 B2.3 B1.3 B
Slightly volatile
Good Will392.4 M624.1 M395.6 M
Slightly volatile
Short Term Investments23.8 K25 K953.2 M
Pretty Stable
Total Liabilities22.5 B21.5 B8.3 B
Slightly volatile
Intangible Assets214.1 M195.2 M257.4 M
Slightly volatile
Property Plant Equipment73.7 M91.8 M72.7 M
Slightly volatile
Short and Long Term Debt Total1.6 B2.3 B1.9 B
Slightly volatile
Property Plant And Equipment Net77.6 M119.6 M74.3 M
Slightly volatile
Non Current Assets Total891.9 M938.9 M2.7 B
Slightly volatile
Cash And Short Term Investments195.6 M205.9 M1.1 B
Very volatile
Net Receivables95.7 M91.2 M40.1 M
Slightly volatile
Common Stock Shares Outstanding1.2 B1.1 B197.5 M
Slightly volatile
Liabilities And Stockholders Equity25.3 B24.1 B11.6 B
Slightly volatile
Non Current Liabilities Total2.4 B2.3 B2.6 B
Slightly volatile
Other Stockholder Equity1.8 B1.7 B813.8 M
Slightly volatile
Property Plant And Equipment Gross315.8 M300.8 M122.6 M
Slightly volatile
Total Current Assets282.2 M297.1 M3.8 B
Slightly volatile
Other Current Assets214.5 M225.8 M3 B
Slightly volatile
Common Stock Total Equity897.8 K956.8 K830.4 K
Slightly volatile
Common Stock926.6 K1.4 M858.4 K
Slightly volatile
Total Current Liabilities6.6 B9.2 B6.7 B
Slightly volatile
Short Term Debt740.4 M1 B1 B
Slightly volatile
Other Current Liabilities6.7 B7.9 B6.2 B
Slightly volatile
Net Tangible Assets938.8 M1.3 B904.8 M
Slightly volatile
Retained Earnings Total Equity627.8 M1.1 B626.4 M
Slightly volatile
Long Term Debt Total1.4 B1.6 B1.3 B
Pretty Stable
Capital Surpluse802.5 M883 M981.7 M
Slightly volatile
Long Term Investments4.7 B3.1 B5.8 B
Pretty Stable
Non Current Liabilities Other331.9 M316.1 M158.2 M
Slightly volatile
Short and Long Term Debt801.9 M494.9 M972.4 M
Slightly volatile
Earning Assets2 B3.1 B1.9 B
Slightly volatile
Net Invested Capital3.3 B4.9 B3 B
Slightly volatile
Capital Stock1 M1.4 M876.5 K
Slightly volatile

Provident Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Selling General Administrative242.9 M231.3 M130.2 M
Slightly volatile
Total Revenue1.1 B1 B428.8 M
Slightly volatile
Gross Profit1.1 B1 B397 M
Slightly volatile
Operating Income1.1 B1 B324.6 M
Slightly volatile
Cost Of Revenue28 M42.7 M36.2 M
Very volatile
Income Before Tax105.6 M149.6 M132.3 M
Slightly volatile
Net Income Applicable To Common Shares212.1 M202 M113.5 M
Slightly volatile
Net Income75.2 M115.5 M96.6 M
Slightly volatile
Income Tax Expense30.4 M34.1 M35.7 M
Slightly volatile
Depreciation And Amortization21 M20 M10.7 M
Slightly volatile
Selling And Marketing Expenses4.7 M5.1 M4.3 M
Slightly volatile
Other Operating Expenses4.9 M5.1 M86.8 M
Pretty Stable
EBITDA3.2 M3.4 M172.7 M
Very volatile
Net Income From Continuing Ops126.7 M115.5 M115.9 M
Slightly volatile
Tax Provision46.4 M34.1 M40.6 M
Slightly volatile
Net Interest Income385 M600.6 M320.9 M
Slightly volatile
Interest Income1.1 B1 B442.1 M
Slightly volatile
Reconciled Depreciation57.3 M54.6 M17.7 M
Slightly volatile

Provident Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Income75.2 M115.5 M96.6 M
Slightly volatile
End Period Cash Flow190.8 M205.9 M201.3 M
Slightly volatile
Free Cash Flow447.7 M426.4 M160.6 M
Slightly volatile
Begin Period Cash Flow188.1 M180.2 M189.8 M
Slightly volatile
Depreciation57.3 M54.6 M19.8 M
Slightly volatile
Total Cash From Operating Activities447.7 M426.4 M167.7 M
Slightly volatile
Dividends Paid106 M101 M56.6 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 Ratio1.881.97826.056
Slightly volatile
Dividend Yield0.02710.04880.037
Slightly volatile
PTB Ratio1.30.79561.1782
Slightly volatile
Days Sales Outstanding50.8331.805948.647
Slightly volatile
Book Value Per Share27.8623.718745.3365
Slightly volatile
Free Cash Flow Yield0.220.2060.1079
Slightly volatile
Operating Cash Flow Per Share4.083.88792.2238
Slightly volatile
Stock Based Compensation To Revenue0.01920.02150.0236
Pretty Stable
Capex To Depreciation0.620.390.5973
Slightly volatile
PB Ratio1.30.79561.1782
Slightly volatile
EV To Sales3.793.98839.2237
Slightly volatile
Free Cash Flow Per Share4.083.88792.1139
Slightly volatile
Net Income Per Share0.831.05341.394
Slightly volatile
Sales General And Administrative To Revenue0.370.22110.3387
Very volatile
Capex To Revenue0.01810.01910.0437
Slightly volatile
Cash Per Share1.781.877817.1684
Pretty Stable
POCF Ratio4.614.85359.7877
Slightly volatile
Interest Coverage2.912.33664.2632
Slightly volatile
Payout Ratio0.920.87390.5688
Slightly volatile
Capex To Operating Cash Flow0.09350.04970.0681
Pretty Stable
PFCF Ratio4.614.853510.4701
Slightly volatile
Income Quality2.133.69081.7469
Pretty Stable
ROE0.04540.04440.0724
Very volatile
EV To Operating Cash Flow9.39.785517.5806
Slightly volatile
PE Ratio20.8317.913516.2391
Slightly volatile
Return On Tangible Assets0.00630.0050.0096
Very volatile
EV To Free Cash Flow9.39.785518.8169
Slightly volatile
Earnings Yield0.03950.05580.0684
Slightly volatile
Intangibles To Total Assets0.04990.03410.0404
Very volatile
Current Ratio0.230.242.1308
Slightly volatile
Tangible Book Value Per Share23.0616.248739.3075
Slightly volatile
Receivables Turnover7.6411.47589.9415
Pretty Stable
Graham Number17.2123.710124.3329
Slightly volatile
Shareholders Equity Per Share14.2723.718719.0233
Slightly volatile
Debt To Equity0.770.88760.9615
Slightly volatile
Capex Per Share0.140.120.1261
Pretty Stable
Revenue Per Share10.029.53915.5258
Slightly volatile
Interest Debt Per Share14.825.115119.7131
Pretty Stable
Debt To Assets0.140.0960.1266
Pretty Stable
Short Term Coverage Ratios0.370.420.4555
Slightly volatile
Price Earnings Ratio20.8317.913516.2391
Slightly volatile
Price Book Value Ratio1.30.79561.1782
Slightly volatile
Dividend Payout Ratio0.920.87390.5688
Slightly volatile
Price To Operating Cash Flows Ratio4.614.85359.7877
Slightly volatile
Price To Free Cash Flows Ratio4.614.853510.4701
Slightly volatile
Pretax Profit Margin0.140.1430.4363
Slightly volatile
Ebt Per Ebit0.280.14370.5317
Slightly volatile
Operating Profit Margin1.190.99511.0306
Slightly volatile
Effective Tax Rate0.290.22790.2754
Slightly volatile
Company Equity Multiplier6.029.24647.7917
Very volatile
Long Term Debt To Capitalization0.50.47020.4413
Very volatile
Total Debt To Capitalization0.530.47020.4852
Pretty Stable
Return On Capital Employed0.03310.04330.0426
Pretty Stable
Debt Equity Ratio0.770.88760.9615
Slightly volatile
Ebit Per Revenue1.190.99511.0306
Slightly volatile
Quick Ratio0.260.272.15
Slightly volatile
Dividend Paid And Capex Coverage Ratio4.134.22343.2469
Slightly volatile
Net Income Per E B T0.590.77210.7171
Pretty Stable
Cash Ratio0.02070.02180.0588
Slightly volatile
Operating Cash Flow Sales Ratio0.670.40760.6989
Slightly volatile
Days Of Sales Outstanding50.8331.805948.647
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.730.860.9152
Slightly volatile
Cash Flow Coverage Ratios0.150.18470.1489
Pretty Stable
Price To Book Ratio1.30.79561.1782
Slightly volatile
Fixed Asset Turnover9.188.74545.1041
Slightly volatile
Capital Expenditure Coverage Ratio13.5420.8419.7635
Pretty Stable
Price Cash Flow Ratio4.614.85359.7877
Slightly volatile
Debt Ratio0.140.0960.1266
Pretty Stable
Cash Flow To Debt Ratio0.150.18470.1489
Pretty Stable
Price Sales Ratio1.881.97826.056
Slightly volatile
Return On Assets0.0060.00480.0092
Very volatile
Asset Turnover0.02640.04350.0327
Slightly volatile
Net Profit Margin0.10.11040.3128
Slightly volatile
Gross Profit Margin0.720.810.8876
Slightly volatile
Price Fair Value1.30.79561.1782
Slightly volatile
Return On Equity0.04540.04440.0724
Very volatile

Provident Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.2 B2.1 B1.4 B
Slightly volatile
Enterprise Value4.4 B4.2 B2.6 B
Slightly volatile

Provident Fundamental Market Drivers

Forward Price Earnings8.244
Cash And Short Term Investments205.9 M

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 B1.1 B
Cost Of Revenue42.7 M28 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.22  0.37 
Capex To Revenue 0.02  0.02 
Revenue Per Share 9.54  10.02 
Ebit Per Revenue 1.00  1.19 

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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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