Company Valuation: Provident Financial Holdings, Inc.

Data adjusted to current consolidation scope
Fiscal Period: June 2021 2022 2023 2024 2025 2026 2027 2028
Market Cap 1 129.8 108 89.54 85.97 102.6 107.6 - -
Change - -16.77% -17.12% -3.98% 19.37% 4.87% - -
Enterprise Value (EV) 129.8 108 89.54 85.97 102.6 107.6 107.6 107.6
Change - -16.77% -17.12% -3.98% 19.37% 4.87% 0% 0%
P/E 17.3x 12.2x 10.7x 11.8x 16.7x 17.9x 16.5x 15.9x
PBR 1.02x 0.84x 0.69x 0.66x 0.79x 0.85x 0.82x -
PEG - 0.6x -4.35x -1.1x -1.4x 5.55x 1.98x 4.13x
Capitalization / Revenue 3.69x 2.98x 2.18x 2.21x 2.63x 2.73x 2.72x 2.74x
EV / Revenue 0x 0x 0x 0x 0x 2.73x 2.72x 2.74x
EV / EBITDA - - - - - - - -
EV / EBIT - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Dividend per Share 2 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56
Rate of return 3.24% 3.78% 4.39% 4.48% 3.61% 3.25% 3.25% 3.25%
EPS 2 1 1.22 1.19 1.06 0.93 0.96 1.04 1.08
Distribution rate 56% 45.9% 47.1% 52.8% 60.2% 58.3% 53.8% 51.9%
Net sales 1 35.21 36.31 41.06 38.86 39 39.4 39.5 39.3
EBITDA - - - - - - - -
EBIT 9.479 10.4 12.79 - 8.207 - - -
Net income 1 7.56 9.093 8.592 7.351 6.255 6.2 6.3 6.1
Net Debt - - - - - - - -
Reference price 2 17.27 14.83 12.75 12.50 15.50 17.21 17.21 17.21
Nbr of stocks (in thousands) 7,517 7,285 7,023 6,878 6,621 6,254 - -
Announcement Date 7/28/21 7/26/22 7/26/23 7/29/24 7/28/25 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution

P/E (N) EV / Sales (N) EV / EBITDA (N) Dividend Yield (N) Capi.($)
17.93x - - 3.25% 108M
14.62x - - 1.87% 899B
13.13x - - 1.99% 420B
5.59x - - 5.54% 362B
11.99x - - 4.29% 335B
18.63x - - 2.29% 290B
5.31x - - 5.74% 278B
5.75x - - 5.45% 258B
12.4x - - 2.17% 266B
14.15x - - 2.86% 237B
Average 11.95x 3.55% 334.55B
Weighted average by Cap. 11.87x 3.25%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

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  4. Valuation Provident Financial Holdings, Inc.