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 Dec 25
- NET SALES(Q) Lowest at USD 13.95 MM
3
With ROA of 0.39%, it has a fair valuation with a 2.16 Price to Book Value
- Over the past year, while the stock has generated a return of 10.41%, its profits have risen by 6.1% ; the PEG ratio of the company is 3.9
4
High Institutional Holdings at 52.62%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.64% over the previous quarter.
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, High Return
Absolute
Risk Adjusted
Volatility
Provident Financial Holdings, Inc.
10.41%
1.67
16.18%
S&P 500
11.87%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.97%
EBIT Growth (5y)
6.75%
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
60.53%
Pledged Shares
0
Institutional Holding
52.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
42
Industry P/E
Price to Book Value
2.16
EV to EBIT
67.98
EV to EBITDA
43.55
EV to Capital Employed
1.54
EV to Sales
7.49
PEG Ratio
3.85
Dividend Yield
143.07%
ROCE (Latest)
2.26%
ROE (Latest)
5.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
GROSS NPA (%)
(Q
-1What is not working for the Company
NET SALES(Q)
Lowest at USD 13.95 MM
Here's what is working for Provident Financial Holdings, Inc.
Non Performing Loans (%)
Lowest at 0.09%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Depreciation
Highest at USD 1.02 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 1.02 MM has Grown at 26.17%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Provident Financial Holdings, Inc.
Net Sales
Lowest at USD 13.95 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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