Provident Financial Holdings (PROV) Financial Statements & Analysis

Provident Financial Holdings Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Provident Financial Holdings, Inc. income statement - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Revenue & Gross Profit
Revenue	40.05	39.67	38.86	40.69	39.45	39.77	46.98	56.89	64.61	73.24
Cost of Revenue	19.56	21.16	19.74	9.01	0.67	4.56	7.17	5.73	5.88	5.64
Gross Profit	40.05	39.00	38.93	41.06	38.77	35.21	39.80	51.16	58.73	67.60
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	20.64	24.93	19.13	23.32	17.02	20.90	19.91	31.72	36.61	43.84
Operating Expenses	30.42	30.13	28.54	28.64	25.92	25.03	28.90	45.24	53.20	58.79
Operating Income	9.64	8.87	10.39	12.42	12.86	10.19	10.90	5.92	5.53	8.82
Other Income/Expense
Interest Income	55.89	56.62	54.73	45.99	34.73	35.20	42.46	44.38	42.71	42.42
Interest Expense	19.56	21.16	19.81	9.01	3.14	4.56	6.06	6.21	6.41	6.68
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	9.64	8.87	10.39	12.42	12.86	10.19	10.90	5.92	5.53	8.82
Income Tax Expense	2.98	2.62	3.04	3.82	3.77	2.63	3.21	1.50	3.40	3.61
Net Income	6.66	6.26	7.35	8.59	9.09	7.56	7.69	4.42	2.13	5.21
Net Income - Continuous Operations	6.66	6.26	7.35	8.59	9.09	7.56	7.69	4.42	2.13	5.21
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-	-
EBITDA	9.64	12.36	13.54	15.60	17.71	16.45	14.29	9.00	8.66	11.46
EBIT	9.64	8.87	10.39	12.42	12.86	10.19	-	-	-	-
Depreciation & Amortization	3.87	3.49	3.16	3.19	4.85	6.27	3.39	3.08	3.13	2.64
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	1.00
Diluted EPS	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	1.00
Basic Shares Outstanding	6.42	6.72	6.94	7.14	7.40	7.49	7.47	7.49	7.54	7.92
Diluted Shares Outstanding	6.48	6.76	6.96	7.19	7.45	7.56	7.58	7.60	7.70	8.10

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Provident Financial Holdings Financial Statements

What was Provident Financial Holdings's revenue in fiscal 2026?

Provident Financial Holdings reported revenue of $40.05M in fiscal 2026 (fiscal year ended Jun 30, 2026). That was up 1.0% from $39.67M a year earlier.

Is Provident Financial Holdings profitable?

Yes. Provident Financial Holdings earned net income of $6.66M in fiscal 2026, a net margin of 16.6%. In fiscal 2025 it earned $6.25M.

What is Provident Financial Holdings's operating margin?

Provident Financial Holdings's operating income was $9.64M on revenue of $40.05M in fiscal 2026, an operating margin of 24.1%, compared with 22.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition