Fundamental Analysis of Provident Financial HLDG Inc. - Growth / Value Index
PROV - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.112
Price to Book Ratio is 0.277 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 | 12.15 | 10.28 | -1.12 % | |
| Price to Book | 0.278 | 0.681 | -7.32 % | 0.672 |
| Price to Sales | 1.80 | 2.15 | -17.38 % | |
| Enterprise Value to EBITDA Multiple | 21.98 | 20.74 | 79.26 % |
PROV - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 8.26 %
Excellent Net Margin for last 3 years
Company Earning excess return
Reasonable Dividend Yield of 4.38 %
Good Net Margin of 14.83% is achieved by the company
Tsr Profitability Index - Poor Score of 24.38
In the last three years, the company has given poor Returns on Assets
EPS decline for last four quarters
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 5.56 | 6.63 | -6.27 % | 1.15 |
| Return On Asset | 0.548 | 0.645 | -15.85 % | 0.116 |
| Net Profit Margin | 14.83 | 20.93 | -16.44 % | 10.20 |
| Operating Profit Margin | 21.90 | 30.24 | -14.61 % | 15.73 |
| EBITDA Margin | 23.92 | 30.24 | -47.32 % | -1.30 |
Highlights
| Market Cap | 86249.49 K |
| Enterprise Value | 255409 K |
| Price/Book TTM | 0.278 |
| Outstanding Share | 6877.95 K |
| Float/ Outstanding Share | 55.98% |
| Dividend Yield | 4.46 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.606 |
| Peter Lynch Ratio | 0.097 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.314 |
| Sloan Ratio | 0.077 |
| Peter Lynch Fair Value | 0 |
PROV - Growth Highlights
Growth Analysis
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 25.38
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 48579.00 K | 13.08 % | 7.24 % |
| Gross Profit | 48579.00 K | 13.08 % | 7.24 % |
| EBITDA | 11618.00 K | 40.43 % | 106.28 % |
| Net Profit | 7206.00 K | 5.51 % | 30.17 % |
| EPS | 1.03 | 1.13 % | NA |
PROV - Stability Highlights
Stability Analysis
Tsr Stability Index - Very Poor Score of 15.62
Altman Z Score of 0.314 suggest high risk
Company has high debt burden
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.81 | 37.14 % | 3.07 |
| Cash Ratio | 0.406 | 1467.40 % | |
| Quick Ratio | 0.842 | 1401.76 % | 0.399 |
| Shareholders Equity | 9.73 | -10.23 % | |
| Debt to EBITDA | 18.93 | 132.06 % |
Historical Valuation Ratios of Provident Financial HLDG Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of Provident Financial HLDG Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of Provident Financial HLDG Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of Provident Financial HLDG Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)