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 85.97 102.6 112.6 - -
Change - -16.77% -17.12% -3.98% 19.37% 9.75% - -
Enterprise Value (EV) 129.8 108 89.54 85.97 102.6 112.6 112.6 112.6
Change - -16.77% -17.12% -3.98% 19.37% 9.75% 0% 0%
P/E 17.3x 12.2x 10.7x 11.8x 16.7x 16.7x 14.8x 14.2x
PBR 1.02x 0.84x 0.69x 0.66x 0.79x 0.89x 0.84x -
PEG - 0.6x -4.35x -1.1x -1.4x 1.6x 0.5x 3.46x
Capitalization / Revenue 3.69x 2.98x 2.18x 2.21x 2.63x 2.69x 2.72x 2.71x
EV / Revenue 0x 0x 0x 0x 0x 2.86x 2.72x 2.71x
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% 3.11% 3.11% 3.11%
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 18.01 18.01 18.01
Nbr of stocks (in thousands) 7,517 7,285 7,023 6,878 6,621 6,254 - -
Announcement Date 28/07/21 26/07/22 26/07/23 29/07/24 28/07/25 28/07/26 - -
1USD in Million2USD
Estimates

P/E, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
18.76x - - 3.11% 113M
14.37x - - 1.74% 965B
13.7x - - 1.86% 448B
12.68x - - 4.13% 353B
18.85x - - 2.27% 299B
12.06x - - 2.16% 266B
15.03x - - 2.64% 262B
12.03x - - 2.11% 211B
25.24x - - 3.05% 199B
18.3x - - 2.57% 203B
Average 16.10x 2.56% 320.77B
Weighted average by Cap. 15.14x 2.33%

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.