ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Provident Financial Holdings, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 18.75% signifying high buffers against its risk based assets
2
Flat results in Jun 25
- NET PROFIT(9M) At USD 4.35 MM has Grown at -22.08%
3
With ROA of 0.37%, it has a fair valuation with a 2.14 Price to Book Value
- Over the past year, while the stock has generated a return of -4.32%, its profits have fallen by -8.7%
4
High Institutional Holdings at 50.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -4.32% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Provident Financial Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Provident Financial Holdings, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Provident Financial Holdings, Inc.
-6.42%
1.06
19.55%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.92%
EBIT Growth (5y)
-6.92%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
60.22%
Pledged Shares
0
Institutional Holding
50.88%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
42
Industry P/E
Price to Book Value
2.14
EV to EBIT
72.71
EV to EBITDA
46.21
EV to Capital Employed
1.52
EV to Sales
7.63
PEG Ratio
NA
Dividend Yield
142.72%
ROCE (Latest)
2.09%
ROE (Latest)
5.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 57.28%
-3What is not working for the Company
NET PROFIT(9M)
At USD 4.35 MM has Grown at -22.08%
Here's what is working for Provident Financial Holdings, Inc.
Dividend Payout Ratio
Highest at 57.28%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 19.5%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Provident Financial Holdings, Inc.
Net Profit
At USD 4.35 MM has Grown at -22.08%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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