PFS
Provident Financial·NYSE
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3.09 / 10
Netural
PFS's fundamental assessment is neutral with a 3.1/10 score. Key positives are Days Sales Outstanding and Net Profit Margin, but these are offset by weak Net Income-Revenue and PB-ROE ratios. Historical back-tests show limited upside potential, with one-month returns ranging from 0.61% to 6.62% across different factors. The asset-light profile (Asset-MV negative) and high tax burden further weigh on fundamentals, suggesting the company needs to improve profitability and balance sheet efficiency.
Analysis Checks(8/10)
Revenue-MV
Value0.16
Score2/3
Weight20.35%
1M Return6.62%
Value0.16
Score2/3
Weight20.35%
1M Return6.62%
Profit-MV
Value0.41
Score2/3
Weight10.55%
1M Return3.72%
Value0.41
Score2/3
Weight10.55%
1M Return3.72%
PB-ROE
Value1.41
Score1/3
Weight1.70%
1M Return0.61%
Value1.41
Score1/3
Weight1.70%
1M Return0.61%
Net profit margin (%)
Value-2972.64
Score2/3
Weight2.24%
1M Return0.86%
Value-2972.64
Score2/3
Weight2.24%
1M Return0.86%
Asset-MV
Value-0.50
Score2/3
Weight34.26%
1M Return9.65%
Value-0.50
Score2/3
Weight34.26%
1M Return9.65%
Days sales outstanding
Value72.55
Score2/3
Weight3.35%
1M Return1.29%
Value72.55
Score2/3
Weight3.35%
1M Return1.29%
Net income-Revenue
Value0.95
Score1/3
Weight1.96%
1M Return0.68%
Value0.95
Score1/3
Weight1.96%
1M Return0.68%
Net cash flow from operating activities (YoY growth rate %)
Value99.53
Score2/3
Weight5.21%
1M Return2.12%
Value99.53
Score2/3
Weight5.21%
1M Return2.12%
Income tax / Total profit (%)
Value29.80
Score2/3
Weight2.91%
1M Return1.16%
Value29.80
Score2/3
Weight2.91%
1M Return1.16%
Cash-MV
Value0.14
Score2/3
Weight17.47%
1M Return6.45%
Value0.14
Score2/3
Weight17.47%
1M Return6.45%
Revenue-MV
Value0.16
Score2/3
Weight20.35%
1M Return6.62%
Value0.16
Score2/3
Weight20.35%
1M Return6.62%
Days sales outstanding
Value72.55
Score2/3
Weight3.35%
1M Return1.29%
Value72.55
Score2/3
Weight3.35%
1M Return1.29%
Profit-MV
Value0.41
Score2/3
Weight10.55%
1M Return3.72%
Value0.41
Score2/3
Weight10.55%
1M Return3.72%
Net income-Revenue
Value0.95
Score1/3
Weight1.96%
1M Return0.68%
Value0.95
Score1/3
Weight1.96%
1M Return0.68%
PB-ROE
Value1.41
Score1/3
Weight1.70%
1M Return0.61%
Value1.41
Score1/3
Weight1.70%
1M Return0.61%
Net cash flow from operating activities (YoY growth rate %)
Value99.53
Score2/3
Weight5.21%
1M Return2.12%
Value99.53
Score2/3
Weight5.21%
1M Return2.12%
Net profit margin (%)
Value-2972.64
Score2/3
Weight2.24%
1M Return0.86%
Value-2972.64
Score2/3
Weight2.24%
1M Return0.86%
Income tax / Total profit (%)
Value29.80
Score2/3
Weight2.91%
1M Return1.16%
Value29.80
Score2/3
Weight2.91%
1M Return1.16%
Asset-MV
Value-0.50
Score2/3
Weight34.26%
1M Return9.65%
Value-0.50
Score2/3
Weight34.26%
1M Return9.65%
Cash-MV
Value0.14
Score2/3
Weight17.47%
1M Return6.45%
Value0.14
Score2/3
Weight17.47%
1M Return6.45%
Is PFS fundamentally strong?
- PFS scores 3.09/10 on fundamentals and holds a Fair valuation at present. Backed by its 7.74% ROE, 30.13% net margin, 13.46 P/E ratio, 1.12 P/B ratio, and 95.10% earnings growth, these metrics solidify its Netural investment rating.
