Provident Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Provident Financial Services
PFS Stock  USD 18.20  0.30  1.68%   
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
823.5 M
Profit Margin
0.2805
Market Capitalization
2.4 B
Enterprise Value Revenue
6.096
Revenue
823.5 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.

Provident Financial Total Revenue

1.2 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 1.2 B, as well as many indicators such as Price To Sales Ratio of 1.72, 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.
  
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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 Investments2.9 B2.8 B1.4 B
Slightly volatile
Total Liabilities22.5 B21.5 B8.3 B
Slightly volatile
Intangible Assets188.7 M195.2 M189.7 M
Very volatile
Property Plant Equipment191 M181.9 M88.6 M
Slightly volatile
Short and Long Term Debt Total1.7 B2.4 B1.9 B
Slightly volatile
Other Current Liabilities19.6 B18.7 B7.8 B
Slightly volatile
Total Current Liabilities19.7 B18.8 B8.2 B
Slightly volatile
Property Plant And Equipment Net77.6 M119.6 M74.3 M
Slightly volatile
Non Current Assets Total22 B21 B6 B
Slightly volatile
Cash And Short Term Investments3.1 B3 B1.6 B
Slightly volatile
Net Receivables95.7 M91.2 M40.1 M
Slightly volatile
Common Stock Shares Outstanding71.4 M109.7 M68.2 M
Slightly volatile
Liabilities And Stockholders Equity25.3 B24.1 B11.6 B
Slightly volatile
Non Current Liabilities Total1.7 B2.7 B1.9 B
Slightly volatile
Other Stockholder Equity3.7 B3.5 B1 B
Slightly volatile
Property Plant And Equipment Gross315.8 M300.8 M122.6 M
Slightly volatile
Total Current Assets2.5 B3.1 B3.5 B
Very 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
Short Term Debt107.6 M113.2 M662.2 M
Pretty Stable
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 Total381.5 M401.6 M1.1 B
Slightly volatile
Capital Surpluse1.2 B1.8 B1.1 B
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 M126.6 M
Slightly volatile
Total Revenue1.2 B1.1 B492.4 M
Slightly volatile
Gross Profit637.5 M607.2 M359.2 M
Slightly volatile
Operating Income106.4 M149.6 M133.6 M
Slightly volatile
Cost Of Revenue559.7 M533.1 M133.2 M
Slightly volatile
Income Before Tax105.6 M149.6 M132.3 M
Slightly volatile
Net Income Applicable To Common Shares83.9 M115.5 M97.2 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 Amortization57.3 M54.6 M19.8 M
Slightly volatile
Selling And Marketing Expenses4.7 M5.1 M4.3 M
Slightly volatile
Other Operating Expenses1 B990.6 M351 M
Slightly volatile
EBIT108.6 M149.6 M132.8 M
Slightly volatile
EBITDA127.5 M204.2 M150.2 M
Slightly 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 Flow446.3 M425.1 M162.1 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 M169.4 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 Ratio1.721.81493.5578
Slightly volatile
Dividend Yield0.02710.04880.037
Slightly volatile
PTB Ratio1.30.79561.1782
Slightly volatile
Days Sales Outstanding33.0729.180831.2157
Pretty Stable
Book Value Per Share14.2723.718719.0234
Slightly volatile
Free Cash Flow Yield0.220.20540.1091
Slightly volatile
Operating Cash Flow Per Share4.083.88792.2473
Slightly volatile
Stock Based Compensation To Revenue0.01570.01070.0205
Pretty Stable
Capex To Depreciation0.02270.02390.5371
Slightly volatile
PB Ratio1.30.79561.1782
Slightly volatile
EV To Sales7.043.75856.3537
Slightly volatile
Free Cash Flow Per Share4.073.8762.1361
Slightly volatile
ROIC0.02260.02150.0358
Very volatile
Net Income Per Share0.831.05341.394
Slightly volatile
Sales General And Administrative To Revenue0.210.20290.2721
Slightly volatile
Capex To Revenue0.00110.00110.0219
Slightly volatile
Cash Per Share28.4827.125521.9272
Slightly volatile
POCF Ratio4.614.85359.6639
Pretty Stable
Interest Coverage0.320.33582.3587
Very volatile
Payout Ratio0.920.87390.5688
Slightly volatile
Capex To Operating Cash Flow0.00290.00310.0585
Slightly volatile
PFCF Ratio4.634.868510.3224
Slightly volatile
Income Quality2.163.69081.7687
Pretty Stable
ROE0.04540.04440.0724
Very volatile
EV To Operating Cash Flow9.5510.051117.3478
Slightly volatile
PE Ratio20.8317.913516.2391
Slightly volatile
Return On Tangible Assets0.00630.0050.0096
Very volatile
EV To Free Cash Flow9.5810.08218.526
Slightly volatile
Earnings Yield0.03950.05580.0684
Slightly volatile
Intangibles To Total Assets0.04990.03410.0404
Very volatile
Current Ratio0.10.16330.1831
Pretty Stable
Tangible Book Value Per Share9.4716.248712.9943
Slightly volatile
Receivables Turnover9.9412.508211.976
Very volatile
Graham Number17.2123.710124.3329
Slightly volatile
Shareholders Equity Per Share14.2723.718719.0234
Slightly volatile
Debt To Equity1.120.93110.9874
Pretty Stable
Capex Per Share0.01130.01190.1113
Slightly volatile
Revenue Per Share10.9210.39726.4946
Slightly volatile
Interest Debt Per Share15.5826.147519.8636
Pretty Stable
Debt To Assets0.150.10070.1277
Pretty Stable
Enterprise Value Over EBITDA21.0720.98717.7635
Slightly volatile
Short Term Coverage Ratios3.953.76581.3642
Slightly volatile
Price Earnings Ratio20.8317.913516.2391
Slightly volatile
Operating Cycle33.0729.180831.2157
Pretty Stable
Price Book Value Ratio1.30.79561.1782
Slightly volatile
Dividend Payout Ratio0.920.87390.5688
Slightly volatile
Price To Operating Cash Flows Ratio4.614.85359.6639
Pretty Stable
Price To Free Cash Flows Ratio4.634.868510.3224
Slightly volatile
Pretax Profit Margin0.210.13120.3193
Pretty Stable
Operating Profit Margin0.210.13120.3193
Pretty Stable
Effective Tax Rate0.290.22790.2754
Slightly volatile
Company Equity Multiplier6.029.24647.7917
Very volatile
Long Term Debt To Capitalization0.510.47020.4499
Very volatile
Total Debt To Capitalization0.550.48220.4876
Pretty Stable
Return On Capital Employed0.03460.02840.0528
Pretty Stable
Debt Equity Ratio1.120.93110.9874
Pretty Stable
Ebit Per Revenue0.210.13120.3193
Pretty Stable
Quick Ratio0.10.16330.1831
Pretty Stable
Dividend Paid And Capex Coverage Ratio4.174.16953.2805
Slightly volatile
Net Income Per E B T0.590.77210.7171
Pretty Stable
Cash Ratio0.01040.0110.0248
Very volatile
Cash Conversion Cycle33.0729.180831.2157
Pretty Stable
Operating Cash Flow Sales Ratio0.40.37390.3831
Slightly volatile
Days Of Sales Outstanding33.0729.180831.2157
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.740.99690.9254
Pretty Stable
Cash Flow Coverage Ratios0.140.1760.1485
Pretty Stable
Price To Book Ratio1.30.79561.1782
Slightly volatile
Fixed Asset Turnover10.019.53216.0673
Slightly volatile
Capital Expenditure Coverage Ratio34332659.5755
Slightly volatile
Price Cash Flow Ratio4.614.85359.6639
Pretty Stable
Enterprise Value Multiple21.0720.98717.7635
Slightly volatile
Debt Ratio0.150.10070.1277
Pretty Stable
Cash Flow To Debt Ratio0.140.1760.1485
Pretty Stable
Price Sales Ratio1.721.81493.5578
Slightly volatile
Return On Assets0.0060.00480.0092
Very volatile
Asset Turnover0.04830.04740.041
Slightly volatile
Net Profit Margin0.140.10130.2301
Pretty Stable
Gross Profit Margin0.580.53250.7546
Very volatile
Price Fair Value1.30.79561.1782
Slightly volatile
Return On Equity0.04540.04440.0724
Very volatile

Provident Fundamental Market Drivers

Forward Price Earnings8.5106
Cash And Short Term Investments3 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 Revenue1.1 B1.2 B
Cost Of Revenue533.1 M559.7 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.20  0.21 
Revenue Per Share 10.40  10.92 
Ebit Per Revenue 0.13  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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