Provident Financial Holdings (PROV) Financial Ratios

For fiscal 2026 (fiscal year ended Jun 30, 2026), Provident Financial Holdings had a P/E ratio of 16.16 (down from 16.41), return on equity of 5.2% (up from 4.8%), debt-to-equity of 1.26 (down from 1.67) and return on assets of 0.5% (up from 0.5%). Its dividend yield was 3.26% with a payout ratio of 54.0%.

Provident Financial Holdings Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Valuation Ratios
P/E Ratio	16.16	16.41	11.70	10.42	11.88	17.27
Forward P/E	15.49	11.15	11.68	9.88	15.08	18.70
P/S Ratio	2.65	2.59	2.21	2.20	2.79	3.27
P/B Ratio	0.85	0.80	0.66	0.69	0.84	1.02
Price/Tangible Book	0.85	0.80	0.66	0.69	0.84	1.03
Price/FCF	12.60	12.59	20.99	5.75	9.29	11.48
Price/OCF	11.99	11.82	15.12	5.49	9.16	11.25
PEG Ratio	1.47	1.47	1.47	1.47	1.47	-
Enterprise Value Ratios
EV/Revenue	-	-	-	-	-	3.96
EV/EBITDA	-	-	-	-	-	9.56
EV/EBIT	-	-	-	-	-	15.45
EV/FCF	-	-	-	-	-	13.87
Profitability & Returns
Return on Equity (ROE)	5.22%	4.84%	5.66%	6.65%	7.11%	6.02%
Return on Assets (ROA)	0.54%	0.50%	0.56%	0.68%	0.77%	0.64%
Return on Invested Capital (ROIC)	-	-	-	-	-	0.70%
Return on Capital Employed (ROCE)	-	-	-	-	-	4.13%
Leverage & Solvency Ratios
Debt/Equity	1.26	1.67	1.85	1.83	0.68	0.79
Debt/EBITDA	-	-	-	-	-	6.14
Debt/FCF	18.64	26.33	58.57	15.22	7.48	8.90
Liquidity Ratios
Current Ratio	-	-	-	-	-	0.10
Quick Ratio	-	-	-	-	-	0.08
Efficiency Ratios
Asset Turnover	-	-	-	-	-	0.03
Yield & Distribution Ratios
Earnings Yield	6.19%	6.10%	8.55%	9.60%	8.42%	5.79%
FCF Yield	7.94%	7.95%	4.76%	17.41%	10.76%	8.71%
Dividend Yield	3.26%	3.59%	4.46%	4.41%	3.78%	3.23%
Payout Ratio	53.97%	60.21%	52.88%	46.53%	45.60%	55.19%
Buyback Yield	4.11%	2.85%	3.23%	3.45%	1.19%	0.20%
Total Return	7.37%	6.44%	7.69%	7.86%	4.96%	3.43%

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 Ratios

What is Provident Financial Holdings's P/E ratio?

Provident Financial Holdings's P/E ratio was 16.16 for fiscal 2026 (period ended Jun 30, 2026). It was 16.41 a year earlier.

What is Provident Financial Holdings's return on equity?

Provident Financial Holdings's return on equity (ROE) was 5.2% for fiscal 2026 (period ended Jun 30, 2026). It was 4.8% a year earlier.

What is Provident Financial Holdings's debt-to-equity ratio?

Provident Financial Holdings's debt-to-equity ratio was 1.26 for fiscal 2026 (period ended Jun 30, 2026). It was 1.67 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition