Provident Financial Holdings, Inc. cash flow to debt ratio of 4.08% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Provident Financial Holdings, Inc.'s free cash flow has increased 99.10% from $4.10M last year to $8.15M, signaling increasing performance

Provident Financial Holdings, Inc.'s debt to equity ratio is 1.47, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Provident Financial Holdings, Inc.'s debt has decreased relative to shareholder equity from 1.84 last year to 1.47 today, signaling strengthened financials

Provident Financial Holdings, Inc. has a net debt to EBITDA ratio of 12.94x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Provident Financial Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Provident Financial Holdings, Inc.'s profit margin has decreased (-18.05%) in the last year from 12.53% to 10.27%, signaling decreasing performance

Provident Financial Holdings, Inc.'s short-term liabilities of $888.77M exceed its short-term assets of $57.37M, signaling financial risk

Provident Financial Holdings, Inc.'s return on assets of 0.50% is lower than the 5.00% threshold, indicating inefficient asset utilization

Provident Financial Holdings, Inc.'s return on equity of 4.77%, is lower than 15.00%, indicating bad performance

Provident Financial Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Provident Financial Holdings, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Provident Financial Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Provident Financial Holdings, Inc. has a free cash flow yield of 7.58%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Provident Financial Holdings, Inc.'s yearly earnings has decreased -14.91% since last year from $7.35M to $6.25M, signaling decreasing performance

Provident Financial Holdings, Inc.'s yearly revenue has increased 2.53% since last year from $58.67M to $60.16M, signaling increasing performance

ROIC 0.50% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Provident Financial Holdings, Inc.'s 3-year revenue CAGR of 15.10% is positive, indicating growing revenue over the past 3 years

Provident Financial Holdings, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance

Provident Financial Holdings, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Provident Financial Holdings, Inc. has insufficient data to evaluate this check.

Provident Financial Holdings, Inc. has an earnings yield of 5.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Provident Financial Holdings, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Provident Financial Holdings, Inc. has an EV/EBITDA ratio of 18.30x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Provident Financial Holdings, Inc. is undervalued relative to its fair value price of 29.09 based on Earnings Fair Value model

Provident Financial Holdings, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Provident Financial Holdings, Inc. has a price-to-book ratio of 0.87x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Provident Financial Holdings, Inc. has a price-to-sales ratio of 1.81x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue