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 85.97 102.6 114.5 - -
Change - -16.77% -17.12% -3.98% 19.37% 11.54% - -
Enterprise Value (EV) 129.8 108 89.54 85.97 102.6 114.5 114.5 114.5
Change - -16.77% -17.12% -3.98% 19.37% 11.54% 0% 0%
P/E 17.3x 12.2x 10.7x 11.8x 16.7x 16.7x 15x 14.4x
PBR 1.02x 0.84x 0.69x 0.66x 0.79x 0.91x 0.85x -
PEG - 0.6x -4.35x -1.1x -1.4x 1.6x 0.6x 3.51x
Capitalization / Revenue 3.69x 2.98x 2.18x 2.21x 2.63x 2.69x 2.77x 2.76x
EV / Revenue 0x 0x 0x 0x 0x 2.91x 2.77x 2.76x
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% 3.06% 3.06% 3.06%
EPS 2 1 1.22 1.19 1.06 0.93 1.03 1.22 1.27
Distribution rate 56% 45.9% 47.1% 52.8% 60.2% 58.3% 45.9% 44.1%
Net sales 1 35.21 36.31 41.06 38.86 39 40.05 41.4 41.5
EBITDA - - - - - - - -
EBIT 9.479 10.4 12.79 - 8.207 - - -
Net income 1 7.56 9.093 8.592 7.351 6.255 6.655 7.5 7.5
Net Debt - - - - - - - -
Reference price 2 17.27 14.83 12.75 12.50 15.50 18.30 18.30 18.30
Nbr of stocks (in thousands) 7,517 7,285 7,023 6,878 6,621 6,254 - -
Announcement Date 7/28/21 A 7/26/22 A 7/26/23 A 7/29/24 A 7/28/25 A 7/28/26 A - -
1USD in Million2USD
Estimates

P/E, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
19.07x - - 3.06% 114M
14.11x - - 1.77% 948B
13.34x - - 1.91% 437B
6.22x - - 4.98% 400B
12.65x - - 4.13% 355B
5.97x - - 5.11% 315B
18.01x - - 2.39% 288B
6.32x - - 4.98% 277B
11.61x - - 2.25% 256B
14.21x - - 2.79% 249B
Average 12.15x 3.34% 352.49B
Weighted average by Cap. 11.78x 3.1%

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.