Provident Financial (PFS) Fundamental Analysis: Revenue, Earnings & Valuation

9.01 / 10

Outperform

Fundamental analysis rates PFS as Outperform with a 9.0/10 strength. Key drivers—Revenue‑MV, Profit‑MV, Asset‑MV and Cash‑MV—score high, delivering a 9.01 composite score. However, PB‑ROE and operating revenue YoY growth are weaker, warranting caution.

Analysis Checks(7/10)

Revenue-MV

Value-0.34

Score2/3

Weight9.20%

1M Return1.93%

Days sales outstanding

Value223.49

Score2/3

Weight3.29%

1M Return0.68%

Profit-MV

Value1.60

Score2/3

Weight11.43%

1M Return2.21%

Accounts receivable turnover ratio

Value23.42

Score3/3

Weight3.42%

1M Return0.71%

PB-ROE

Value-0.96

Score1/3

Weight-9.01%

1M Return-2.01%

Net cash flow from operating activities (YoY growth rate %)

Value3.73

Score2/3

Weight1.98%

1M Return0.45%

Cash-UP

Value-0.55

Score0/3

Weight-26.98%

1M Return-8.25%

Operating revenue (YoY growth rate %)

Value177.16

Score1/3

Weight-3.00%

1M Return-0.60%

Asset-MV

Value-0.55

Score3/3

Weight88.21%

1M Return11.07%

Cash-MV

Value-0.07

Score3/3

Weight21.45%

1M Return4.48%

Is PFS undervalued or overvalued?

PFS scores 9.01/10 on fundamentals and holds a Discounted valuation at present. Backed by its 10.72% ROE, 33.45% net margin, 9.55 P/E ratio, 0.98 P/B ratio, and 112.38% earnings growth, these metrics solidify its Outperform investment rating.