Fundamental Analysis of Provident Fin Services Inc - Growth / Value Index
PFS - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.129
Price to Book Ratio is 0.707 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 9.96 | 7.91 | 14.93 % | |
| Price to Book | 0.721 | 0.702 | -7.17 % | 0.704 |
| Price to Sales | 1.99 | 2.39 | -0.098 % | |
| Enterprise Value to EBITDA Multiple | 43.24 | 10.50 | -5.68 % |
PFS - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Gives Dividend Yield of 6.17 %
Earning Yield of 10.22 %
Excellent Net Margin for last 3 years
Company Earning excess return
EBITDA is continuously increasing for last 3 Years
Good Net Margin of 19.93% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 7.23 | 8.88 | -19.23 % | 1.89 |
| Return On Asset | 0.854 | 1.06 | -17.10 % | 0.227 |
| Net Profit Margin | 19.93 | 30.21 | -13.07 % | 17.37 |
| Operating Profit Margin | 29.08 | 113.43 | 138.74 % | 26.07 |
| EBITDA Margin | 13.94 | 69.19 | 19.73 % | 0.382 |
Highlights
| Market Cap | 1205.11 M |
| Enterprise Value | 3628.67 M |
| Price/Book TTM | 0.721 |
| Outstanding Share | 75984.20 K |
| Float/ Outstanding Share | 95.33% |
| Dividend Yield | 6.00 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.558 |
| Peter Lynch Ratio | -1.30 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.263 |
| Sloan Ratio | -0.0014 |
| Peter Lynch Fair Value | 15.97 |
PFS - Growth Highlights
Growth Analysis
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 26.72
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 601854 K | 1.68 % | 0.834 % |
| Gross Profit | 601854 K | 28.28 % | 0.834 % |
| EBITDA | 83918.00 K | 17.72 % | 2.22 % |
| Net Profit | 119944 K | 14.53 % | 17.46 % |
| EPS | 1.59 | 12.99 % | NA |
PFS - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 23.44
Altman Z Score of 0.262 suggest high risk
Company has high debt burden
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.54 | 10.36 % | 1.70 |
| Cash Ratio | -0.0225 | -111.93 % | |
| Quick Ratio | 0.0162 | -27.77 % | 0.056 |
| Shareholders Equity | 11.90 | 2.63 % | |
| Debt to EBITDA | 7.57 | -0.804 % |
Historical Valuation Ratios of Provident Fin Services Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Provident Fin Services Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Provident Fin Services Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Provident Fin Services Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)