PROV
Provident Financial Holdings·NASDAQ
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4.24 / 10
Netural
PROV's fundamental score is 4.2/10, indicating moderate health. Strengths include a solid gross profit margin of 36.7% and a perfect 100% ratio of total profit to EBIT, both in the top performance group. However, the total profit year-over-year decline of -14.6% and a net assets growth rate of only 2.99% temper the outlook. Net profit attributable to shareholders is fully covered by net profit (100%), but the PB-ROE of 1.41 suggests room for improvement. Overall, the fundamentals are balanced yet not compelling, warranting selective interest rather than aggressive buying.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value2.99
Score0/3
Weight3.93%
1M Return2.09%
Value2.99
Score0/3
Weight3.93%
1M Return2.09%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Profit-MV
Value-0.72
Score3/3
Weight16.24%
1M Return6.98%
Value-0.72
Score3/3
Weight16.24%
1M Return6.98%
PB-ROE
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Asset-MV
Value-0.50
Score0/3
Weight9.49%
1M Return4.22%
Value-0.50
Score0/3
Weight9.49%
1M Return4.22%
Revenue-MV
Value-0.75
Score3/3
Weight16.20%
1M Return7.25%
Value-0.75
Score3/3
Weight16.20%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Total profit (YoY growth rate %)
Value-14.58
Score1/3
Weight6.87%
1M Return3.23%
Value-14.58
Score1/3
Weight6.87%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Cash-MV
Value-0.70
Score2/3
Weight11.86%
1M Return5.25%
Value-0.70
Score2/3
Weight11.86%
1M Return5.25%
Net assets per share (growth rate compared to beginning of year %)
Value2.99
Score0/3
Weight3.93%
1M Return2.09%
Value2.99
Score0/3
Weight3.93%
1M Return2.09%
Revenue-MV
Value-0.75
Score3/3
Weight16.20%
1M Return7.25%
Value-0.75
Score3/3
Weight16.20%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Profit-MV
Value-0.72
Score3/3
Weight16.24%
1M Return6.98%
Value-0.72
Score3/3
Weight16.24%
1M Return6.98%
Total profit (YoY growth rate %)
Value-14.58
Score1/3
Weight6.87%
1M Return3.23%
Value-14.58
Score1/3
Weight6.87%
1M Return3.23%
PB-ROE
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Asset-MV
Value-0.50
Score0/3
Weight9.49%
1M Return4.22%
Value-0.50
Score0/3
Weight9.49%
1M Return4.22%
Cash-MV
Value-0.70
Score2/3
Weight11.86%
1M Return5.25%
Value-0.70
Score2/3
Weight11.86%
1M Return5.25%
Is PROV fundamentally strong?
- PROV scores 4.24/10 on fundamentals and holds a Fair valuation at present. Backed by its 1.31% ROE, 15.39% net margin, 17.28 P/E ratio, 0.81 P/B ratio, and -16.51% earnings growth, these metrics solidify its Netural investment rating.
