Company Valuation: Provident Financial Holdings, Inc.

Data adjusted to current consolidation scope
Fiscal Period: June 2022 2023 2024 2025 2026 2027 2028
Market Cap 1 108 89.54 85.97 102.6 107.6 113.3 -
Change - -17.12% -3.98% 19.37% 4.81% 5.31% -
Enterprise Value (EV) 108 89.54 85.97 102.6 107.6 113.3 113.3
Change - -17.12% -3.98% 19.37% 4.81% 5.31% 0%
P/E 12.2x 10.7x 11.8x 16.7x 16.7x 14.9x 14.3x
PBR 0.84x 0.69x 0.66x 0.79x 0.85x 0.85x -
PEG - -4.35x -1.1x -1.4x 1.6x 0.8x 3.49x
Capitalization / Revenue 2.98x 2.18x 2.21x 2.63x 2.69x 2.74x 2.73x
EV / Revenue 0x 0x 0x 0x 0x 2.74x 2.73x
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
Rate of return 3.78% 4.39% 4.48% 3.61% 3.26% 3.08% 3.08%
EPS 2 1.22 1.19 1.06 0.93 1.03 1.22 1.27
Distribution rate 45.9% 47.1% 52.8% 60.2% 54.4% 45.9% 44.1%
Net sales 1 36.31 41.06 38.86 39 40.05 41.4 41.5
EBITDA - - - - - - -
EBIT 10.4 12.79 - 8.207 - - -
Net income 1 9.093 8.592 7.351 6.255 6.655 7.5 7.5
Net Debt - - - - - - -
Reference price 2 14.83 12.75 12.50 15.50 17.20 18.17 18.17
Nbr of stocks (in thousands) 7,285 7,023 6,878 6,621 6,254 6,234 -
Announcement Date 7/26/22 7/26/23 7/29/24 7/28/25 7/28/26 - -
1USD in Million2USD
Estimates

P/E, Detailed evolution



P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
14.89x - - 3.08% 113M
13.54x - - 1.89% 895B
6.48x - - 4.8% 442B
7x - - 4.54% 386B
11.39x - - 2.39% 346B
6.51x - - 4.77% 353B
6.86x - - 4.66% 320B
10.62x - - 4.94% 293B
17.49x - - 2.41% 282B
11.36x - - 2.27% 250B
Average 10.62x 3.58% 356.62B
Weighted average by Cap. 10.38x 3.44%

Y-o-Y evolution of P/E

Valuation ratios - P/E - Provident Financial Holdings, Inc.

Historical PBR trend

Valuation ratios - PBR - Provident Financial Holdings, Inc.

Evolution Enterprise Value / Sales

Valuation ratios - VE_REV - Provident Financial Holdings, Inc.

Change in Enterprise Value/EBITDA

Valuation ratios - VE_EBITDA - Provident Financial Holdings, Inc.


Year-on-year evolution of the Yield

Valuation ratios - Yield - Provident Financial Holdings, Inc.
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