PROVIDENT FINANCIAL HOLDINGS INC
Datakwaliteit: 83%
PROV
NASDAQ
Financial Services
Depository Institutions
€ 17,17
▲
€ 0,02
(0,12%)
6 months return
—
Momentum
Neutral
1Y earnings growth
-14,91%
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-14,91%
FCF Growth (3Y)-27,66%
Kwaliteit
Return on Equity
5,16%
Onder sectorgemiddelde (9,19%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM|NTM|2027)
16,58 | 13,08 | 13,10
Boven sectorgemiddelde (11,12)
P/B Ratio0,86
EV/EBITDAN/A
Dividend Yield3,26%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
Earnings declined -14,91% over the past year
Generating 8,94 M in free cash flow
Cash machine — converts 135,52% of earnings into free cash flow
Dividend yield of 3,26% — meaningful income
Healthy payout ratio of 56,57% with room to grow
20 consecutive years of dividends — reliable payer
Price History
Financiële Trends
Koersdoel Analisten
1 analist
Hold
-6.8%
upside to target
Huidig
€ 17,17
Consensus Target
€ 16,00
€ 16,00
Laag
€ 16,00
Hoog
Vooruitzicht
Forward K/W
13,08
Forward WPA
€ 1,31
WPA Groei (sch.)
+8,3%
Omzet Sch.
0,0
Winstverassingen
EPS
Reported
Estimate
Forecast
Next: Q1 2026
·
EPS Est: € 0,31
·
Rev Est: 0,0
| Q12025 | 2026-Q1 | 2026-Q2 | Q22025 | Q32025 | Q42025 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Reported | € 0,28 | € 0,25 | € 0,22 | € 0,24 | € 0,25 | € 0,22 | — | — |
| Estimate | € 0,24 | € 0,31 | € 0,31 | € 0,29 | € 0,29 | € 0,30 | € 0,31 | € 0,31 |
| Verrassing | +16,67% | -19,35% | -29,03% | -15,79% | -13,79% | -26,67% | — | — |
Growth
Rev 5Y: N/A · Earnings 1Y: -14,91%
Growth
Rev 5Y: N/A · Earnings 1Y: -14,91%| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | -14,91% | Earnings Growth (3Y) | -14,68% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | -4,63% |
Profitability
ROE: 5,16% · Net Margin: N/A
Profitability
ROE: 5,16% · Net Margin: N/A| Revenue (TTM) | N/A | Net Income (TTM) | 6,60 M |
| ROE | 5,16% | ROA | 0,54% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 8,94 M |
| ROIC | N/A | FCF Growth (3Y) | -27,66% |
Safety
D/E: N/A · Current: N/A
Safety
D/E: N/A · Current: N/A| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 127,49 M |
Dividends
Yield: 3,26% · Payout: 56,57%
Dividends
Yield: 3,26% · Payout: 56,57%| Dividend Yield | 3,26% | Payout Ratio | 56,57% |
| Dividend Growth (3Y) | 0,00% | Dividend Growth (5Y) | 0,00% |
| Consecutive Div Years | 20 yrs | ||
Valuation
P/E: 16,58 · EV/EBITDA: N/A
Valuation
P/E: 16,58 · EV/EBITDA: N/A| P/E Ratio | 16,58 | Forward P/E | 13,08 |
| P/B Ratio | 0,86 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | 1,58 |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | 7,65% |
| FCF Yield | 8,18% | ||
| Market Cap | 109,40 M | Enterprise Value | 55,03 M |
Per Share
EPS: 0,99 · FCF/Share: 1,40
Per Share
EPS: 0,99 · FCF/Share: 1,40| EPS (Diluted TTM) | 0,99 | Revenue / Share | N/A |
| FCF / Share | 1,40 | OCF / Share | 1,49 |
| EPS CAGR (1Y) | -12,26% | EPS CAGR (5Y) | -1,80% |
| EPS CAGR (10Y) | 0,62% | ||
Efficiency
FCF Conv: 135,52% · CapEx/Rev: N/A
Efficiency
FCF Conv: 135,52% · CapEx/Rev: N/A| CapEx / Revenue | N/A | FCF Conversion | 135,52% |
| SBC-Adj. FCF | 8,40 M | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 6,26 M | 7,35 M | 8,59 M | 9,09 M | 7,56 M |
| EPS (Diluted) | 0,93 | 1,06 | 1,19 | 1,22 | 1,00 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 1,60 M | 1,60 M | 1,40 M | 1,50 M | 1,60 M |
| Interest Expense | 35,47 M | 34,92 M | 9,01 M | 3,14 M | 4,56 M |
| Income Tax | 2,62 M | 3,04 M | 3,82 M | 3,77 M | 2,63 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,25 B | 1,27 B | 1,33 B | 1,19 B | 1,18 B |
| Total Liabilities | 1,12 B | 1,14 B | 1,20 B | 1,06 B | 1,06 B |
| Shareholders' Equity | 128,55 M | 129,94 M | 129,69 M | 128,65 M | 127,28 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | 53,09 M | 51,38 M | 65,85 M | 23,41 M | 70,27 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
Sectorvergelijking
vs Financial Services sector mediaan (6628 peers)
Vergeleken met vergelijkbare bedrijven in Financial Services
Sectorvergelijking
vs Financial Services sector mediaan (6628 peers) Vergeleken met vergelijkbare bedrijven in Financial Services| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 16,6 | 11,1 |
| P/B | 0,9 | 1,2 |
| ROE % | 5,2 | 9,2 |
| Net Margin % | — | 9,4 |
| Rev Growth 5Y % | — | 5,8 |
| D/E | — | 0,5 |
Dividendgeschiedenis
Dividendgeschiedenis
Rendement
3,26%
Uitkeringsratio
56,57%
Groei (3 jr)
0,00%
Groei (5 jr)
0,00%
Recente betalingen per aandeel (nieuwste eerst).
| Ex-dividend | Betaling | Bedrag / aandeel |
|---|---|---|
| Feb 12, 2026 | — | € 0,14 |
| Nov 13, 2025 | — | € 0,14 |
| Aug 14, 2025 | — | € 0,14 |
| May 15, 2025 | — | € 0,14 |
| Feb 13, 2025 | — | € 0,14 |
| Nov 14, 2024 | — | € 0,14 |
| Aug 15, 2024 | — | € 0,14 |
| May 15, 2024 | — | € 0,14 |
| Feb 14, 2024 | — | € 0,14 |
| Nov 15, 2023 | — | € 0,14 |
| Aug 16, 2023 | — | € 0,14 |
| May 17, 2023 | — | € 0,14 |
Strategiescores
1 strategy matched
Strategiescores
1 strategy matched
Dividend
High Yield Value
#223 of 240
Recente Activiteit
Ingestapt
High Yield Value
Apr 12, 2026
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