Where do Provident Financial Holdings's ratios come from?

Every ratio is computed from Provident Financial Holdings's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	16%-2.9pp	18.9%-2.0pp	20.9%-4.1pp	25%+3.6pp
Free cash flow margin	20.9%—	——	38%+5.9pp	32%-0.2pp
Returns
Return on equity	4.8%-0.8pp	5.7%-1.0pp	6.7%-0.5pp	7.1%+1.1pp
Return on assets	0.5%-0.1pp	0.6%-0.1pp	0.7%-0.1pp	0.8%+0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	2.9×0.0×	3×+2.9×	0×0.0×	0×0.0×
Debt-to-assets	0.3×0.0×	0.3×+0.3×	0×0.0×	0×0.0×
Valuation
Market capitalization	$107.56M+4.8%	$86.49M-3.3%	$89.47M-17.2%	$108.04M-16.1%
Enterprise value	$236.8M-44.6%	$420.52M+1,531%	$25.79M-70.2%	$86.62M+42.9%
Price / earnings	17.6×+1.2×	11.8×+1.4×	10.4×-1.5×	11.9×-5.1×
Price / sales	2.7×+0.1×	2.2×0.0×	2.2×-0.8×	3×-0.7×
Price / book	0.8×+0.1×	0.7×0.0×	0.7×-0.1×	0.8×-0.2×
EV / sales	6×-4.9×	10.8×+10.2×	0.6×-1.8×	2.4×+0.7×
Free cash flow yield	6.9%-1.1pp	——	17.4%+6.7pp	10.8%+1.9pp
Earnings yield	5.7%-0.4pp	8.5%-1.1pp	9.6%+1.2pp	8.4%+2.5pp
Dividend yield	3.4%-0.3pp	4.5%0.0pp	4.5%+0.6pp	3.8%+0.6pp

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Where do Provident Financial Holdings's ratios come from?: Every ratio is computed from Provident Financial Holdings's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.