Provident Financial Holdings Stock Working Capital

PROV Stock

USD 16.44 0.03 0.18%

Provident Financial Holdings fundamentals help investors to digest information that contributes to Provident Financial's financial success or failures. It also enables traders to predict the movement of Provident Stock. The fundamental analysis module provides a way to measure Provident Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Provident Financial stock.

		Last Reported	Projected for Next Year
	Change In Working Capital	-4.4 M	-4.2 M

Change In Working Capital is likely to climb to about (4.2 M) in 2024.

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Provident Financial Holdings Company Working Capital Analysis

Provident Financial's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

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Current Liabilities

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Provident Working Capital Driver Correlations

Understanding the fundamental principles of building solid financial models for Provident Financial is extremely important. It helps to project a fair market value of Provident Stock properly, considering its historical fundamentals such as Working Capital. Since Provident Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Provident Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Provident Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Short Term Debt	Accounts Payable	Long Term Debt	Treasury Stock	Property Plant Equipment	Short Term Investments	Net Tangible Assets	Capital Surpluse	Long Term Investments	Intangible Assets	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.71	0.44	0.82	0.35	1.0	0.11	0.87	-0.23	-0.43	0.13	-0.77	0.17	-0.91	-0.34	0.45	-0.33	0.16	0.28	-0.33	-0.36	0.36	0.33
Total Stockholder Equity	0.71		-0.24	0.59	-0.15	0.66	0.47	0.68	-0.15	-0.25	-0.35	-0.28	-0.35	-0.61	0.33	-0.1	0.14	-0.2	-0.04	0.22	0.07	0.05	0.01
Net Debt	0.44	-0.24		0.34	0.78	0.5	-0.43	0.31	0.15	-0.31	0.69	-0.59	0.61	-0.4	-0.8	0.86	-0.6	0.36	0.5	-0.66	-0.69	0.68	0.66
Retained Earnings	0.82	0.59	0.34		0.07	0.82	0.27	0.97	-0.42	-0.68	0.07	-0.88	0.25	-0.95	-0.31	0.43	-0.2	0.23	0.46	-0.46	-0.29	0.15	0.12
Net Receivables	0.35	-0.15	0.78	0.07		0.39	-0.36	0.15	0.44	-0.02	0.73	-0.28	0.63	-0.21	-0.64	0.78	-0.63	0.1	0.37	-0.57	-0.67	0.72	0.81
Total Liab	1.0	0.66	0.5	0.82	0.39		0.07	0.86	-0.23	-0.43	0.18	-0.8	0.21	-0.91	-0.4	0.49	-0.36	0.19	0.31	-0.38	-0.4	0.38	0.35
Total Current Assets	0.11	0.47	-0.43	0.27	-0.36	0.07		0.21	-0.24	-0.5	-0.39	-0.06	-0.24	-0.17	0.4	-0.26	0.3	-0.03	-0.18	0.2	0.28	-0.09	-0.26
Common Stock	0.87	0.68	0.31	0.97	0.15	0.86	0.21		-0.35	-0.55	0.15	-0.81	0.21	-0.95	-0.28	0.44	-0.17	0.2	0.39	-0.39	-0.25	0.18	0.22
Short Term Debt	-0.23	-0.15	0.15	-0.42	0.44	-0.23	-0.24	-0.35		0.47	0.16	0.5	-0.05	0.46	0.25	0.03	-0.02	-0.36	0.11	0.14	-0.22	0.55	0.27
Accounts Payable	-0.43	-0.25	-0.31	-0.68	-0.02	-0.43	-0.5	-0.55	0.47		0.0	0.74	-0.23	0.65	0.39	-0.43	0.18	-0.33	-0.41	0.42	0.28	-0.1	-0.17
Long Term Debt	0.13	-0.35	0.69	0.07	0.73	0.18	-0.39	0.15	0.16	0.0		-0.21	0.6	-0.11	-0.67	0.75	-0.44	0.27	0.31	-0.46	-0.36	0.51	0.76
Treasury Stock	-0.77	-0.28	-0.59	-0.88	-0.28	-0.8	-0.06	-0.81	0.5	0.74	-0.21		-0.44	0.92	0.67	-0.6	0.42	-0.41	-0.53	0.68	0.48	-0.16	-0.23
Property Plant Equipment	0.17	-0.35	0.61	0.25	0.63	0.21	-0.24	0.21	-0.05	-0.23	0.6	-0.44		-0.25	-0.62	0.77	-0.81	0.01	0.51	-0.87	-0.62	0.39	0.47
Short Term Investments	-0.91	-0.61	-0.4	-0.95	-0.21	-0.91	-0.17	-0.95	0.46	0.65	-0.11	0.92	-0.25		0.46	-0.48	0.29	-0.28	-0.42	0.48	0.35	-0.15	-0.22
Net Tangible Assets	-0.34	0.33	-0.8	-0.31	-0.64	-0.4	0.4	-0.28	0.25	0.39	-0.67	0.67	-0.62	0.46		-0.76	0.54	-0.54	-0.43	0.7	0.54	-0.27	-0.56
Capital Surpluse	0.45	-0.1	0.86	0.43	0.78	0.49	-0.26	0.44	0.03	-0.43	0.75	-0.6	0.77	-0.48	-0.76		-0.74	0.15	0.59	-0.78	-0.72	0.61	0.84
Long Term Investments	-0.33	0.14	-0.6	-0.2	-0.63	-0.36	0.3	-0.17	-0.02	0.18	-0.44	0.42	-0.81	0.29	0.54	-0.74		0.32	-0.61	0.8	0.78	-0.46	-0.55
Intangible Assets	0.16	-0.2	0.36	0.23	0.1	0.19	-0.03	0.2	-0.36	-0.33	0.27	-0.41	0.01	-0.28	-0.54	0.15	0.32		-0.22	-0.04	0.15	-0.12	0.01
Short Long Term Debt	0.28	-0.04	0.5	0.46	0.37	0.31	-0.18	0.39	0.11	-0.41	0.31	-0.53	0.51	-0.42	-0.43	0.59	-0.61	-0.22		-0.71	-0.63	0.27	0.33
Earning Assets	-0.33	0.22	-0.66	-0.46	-0.57	-0.38	0.2	-0.39	0.14	0.42	-0.46	0.68	-0.87	0.48	0.7	-0.78	0.8	-0.04	-0.71		0.75	-0.28	-0.4
Current Deferred Revenue	-0.36	0.07	-0.69	-0.29	-0.67	-0.4	0.28	-0.25	-0.22	0.28	-0.36	0.48	-0.62	0.35	0.54	-0.72	0.78	0.15	-0.63	0.75		-0.52	-0.54
Net Invested Capital	0.36	0.05	0.68	0.15	0.72	0.38	-0.09	0.18	0.55	-0.1	0.51	-0.16	0.39	-0.15	-0.27	0.61	-0.46	-0.12	0.27	-0.28	-0.52		0.66
Capital Stock	0.33	0.01	0.66	0.12	0.81	0.35	-0.26	0.22	0.27	-0.17	0.76	-0.23	0.47	-0.22	-0.56	0.84	-0.55	0.01	0.33	-0.4	-0.54	0.66

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Predict Provident Financial

Working Capital Over Time

Provident Capital Surpluse

Capital Surpluse

102.38 Million

At this time, Provident Financial's Capital Surpluse is fairly stable compared to the past year.

Based on the company's disclosures, Provident Financial Holdings has a Working Capital of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

Provident Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of Provident Financial from analyzing Provident Financial's financial statements. These drivers represent accounts that assess Provident Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Provident Financial's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	100.1M	128.9M	109.8M	91.1M	85.3M	90.5M
Enterprise Value	125.2M	159.6M	171.4M	260.2M	272.5M	275.9M

Provident Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Provident Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Provident Financial's managers, analysts, and investors.

Environmental

Governance

Social

Provident Fundamentals

	Return On Equity	0.0579
	Return On Asset	0.0058
	Profit Margin	0.19 %
	Operating Margin	0.28 %
	Current Valuation	313.36 M
	Shares Outstanding	6.76 M
	Shares Owned By Insiders	18.52 %
	Shares Owned By Institutions	48.56 %
	Number Of Shares Shorted	22.42 K
	Price To Earning	18.75 X
	Price To Book	0.85 X
	Price To Sales	2.79 X
	Revenue	38.93 M
	Gross Profit	38.77 M
	EBITDA	13.54 M
	Net Income	7.35 M
	Cash And Equivalents	38.9 M
	Cash Per Share	5.38 X
	Total Debt	238.5 M
	Debt To Equity	7.78 %
	Book Value Per Share	19.15 X
	Cash Flow From Operations	5.68 M
	Short Ratio	3.03 X
	Earnings Per Share	1.09 X
	Price To Earnings To Growth	(1.69) X
	Target Price	16.75
	Number Of Employees	94
	Beta	0.38
	Market Capitalization	110.98 M
	Total Asset	1.27 B
	Retained Earnings	209.91 M
	Annual Yield	0.03 %
	Five Year Return	3.33 %
	Net Asset	1.27 B
	Last Dividend Paid	0.56

About Provident Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Provident Financial Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Provident Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Provident Financial Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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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