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Provident Financial Services Financial Ratios 2025-2007 | PFS
Brief overview of Provident Financial Services's valuation and returns
Ratios are assessed across five available annual reports in the 2021–2025 interval.
Key multiples at the end of the period are P/E 9.43x (median 9.82x), P/B 0.97x (median 0.97x), P/CF 6.21x (median 6.44x). The multiple basket looks neutral against its history, differing from median levels by roughly -3.6%.
Current earnings relative to valuation equal about 10.6% on the 1/P/E measure. This is a valuation reference, not an expected payout.
The latest available business-quality ratios are ROE 10.3%, ROA 1.2%. Fundamental efficiency is balanced: profitability supports valuation but does not remove the need for future growth.
Current PEG is 0.33x; the market pays comparatively little per unit of expected growth.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Conclusion
Provident Financial Services's market valuation is near its own historical norm, while quality ratios provide no extreme signal.
Annual Financial Ratios Provident Financial Services
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
9.4 | 17.3 | 8.7 | 9.8 | 10.8 | 12.1 | 13.5 | 13.5 | 18.1 | 19.1 | 14.8 | 14.2 | 14.6 | 12.5 | 13.8 | 13.7 | -4.6 | 20.7 | - |
P/S |
37.5 | 29.3 | 19.4 | 31.4 | 31.6 | 25.7 | 4.2 | 4.5 | 5.1 | 5.3 | 4.1 | 3.7 | 4.0 | 3.2 | 3.2 | - | - | - | - |
EPS |
2.2 | 1.1 | 1.7 | 2.4 | 2.2 | 1.4 | 1.7 | 1.8 | 1.5 | 1.4 | 1.3 | 1.2 | 1.2 | 1.2 | 1.0 | 0.9 | -2.2 | 0.7 | - |
EV (Enterprise Value) |
24.7 B | 23.2 B | 13.5 B | 13.7 B | 13.2 B | 12.1 B | 9.73 B | 9.82 B | 10.1 B | 9.78 B | 8.85 B | 8.32 B | 7.41 B | 7.04 B | 6.87 B | 6.53 B | 6.38 B | 794 M | -141 M |
EBITDA per Share |
0.39 | 0.38 | 0.16 | 0.18 | 0.17 | 0.16 | - | - | - | - | - | - | - | - | - | 0.19 | 0.22 | 0.25 | - |
EV/EBITDA |
481.0 | 560.2 | 1150.6 | 1049.9 | 1039.6 | 6.6 | - | - | - | - | - | - | - | - | - | 607.7 | 515.5 | 57.1 | - |
PEG |
0.33 | - | - | - | - | -1.05 | -3.1 | 0.54 | 3.11 | 5.14 | 1.63 | -13.47 | 3.12 | 0.75 | 0.94 | - | - | - | - |
P/B |
1.0 | 0.8 | 0.7 | 1.1 | 1.1 | 0.7 | 1.1 | 1.2 | 1.3 | 1.3 | 1.0 | 0.9 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | - | - |
P/CF |
6.2 | 4.7 | 6.4 | 8.6 | 11.6 | 11.3 | 11.5 | 10.5 | 15.0 | 13.7 | 11.3 | 13.1 | 11.3 | 8.4 | 9.3 | 7.4 | 23.6 | 13.8 | - |
ROE % |
10.27 | 4.46 | 7.57 | 11.02 | 9.89 | 5.99 | 7.97 | 8.71 | 7.23 | 7.01 | 7.00 | 6.44 | 6.98 | 6.86 | 6.02 | 5.39 | -13.77 | 4.09 | - |
ROA % |
1.16 | 0.48 | 0.90 | 1.28 | 1.22 | 0.75 | 1.15 | 1.22 | 0.95 | 0.92 | 0.94 | 0.86 | 0.94 | 0.92 | 0.81 | 0.73 | -1.78 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.0 | 0.0 | - | - | - | - | - | - | 1.2 | 1.1 | - | - |
DSO |
466.7 | 401.2 | 351.7 | 311.6 | 280.4 | 302.5 | 29.3 | 32.0 | 32.4 | 31.5 | 30.8 | 32.9 | 32.2 | 33.6 | 36.2 | - | - | - | - |
Operating Cycle |
466.7 | 401.2 | 351.7 | 311.6 | 280.4 | 302.5 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
466.7 | 401.2 | 351.7 | 311.6 | 280.4 | 302.5 | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Provident Financial Services
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.6 | 0.61 | 0.55 | 0.55 | 0.49 | - | 0.36 | -0.11 | 0.43 | - | 0.38 | 0.43 | 0.54 | - | 0.58 | 0.53 | 0.58 | - | 0.49 | 0.58 | 0.63 | 0.53 | 0.37 | 0.22 | 0.23 | 0.4 | 0.49 | 0.38 | 0.48 | 0.55 | 0.55 | 0.3 | 0.43 | 0.3 | 0.41 | 0.38 | 0.37 | 0.35 | 0.36 | 0.34 | 0.33 | 0.34 | 0.33 | 0.35 | 0.32 | 0.34 | 0.3 | 0.28 | 0.3 | 0.3 | 0.28 | 0.34 | 0.31 | 0.29 | 0.28 | 0.28 | 0.32 | 0.26 | 0.27 | 0.25 | 0.23 | 0.24 | 0.23 |
EBITDA per Share |
0.18 | 0.09 | 0.07 | 0.07 | 0.1 | - | 0.09 | 0.06 | 0.04 | - | 0.01 | 0.01 | 0.04 | - | 0.01 | 0.01 | 0.04 | - | 0.12 | 0.08 | 0.04 | - | 0.11 | 0.08 | 0.04 | - | 0.12 | 0.08 | 0.04 | - | 0.12 | 0.08 | 0.04 | - | 0.14 | 0.09 | 0.05 | - | 0.15 | 0.1 | 0.05 | - | 0.16 | 0.11 | 0.05 | - | 0.12 | 0.08 | 0.04 | - | 0.12 | 0.08 | 0.04 | - | 0.12 | 0.09 | 0.04 | - | 0.13 | 0.09 | 0.04 | 0.14 | 0.1 |
ROE % |
10.71 | 10.43 | 9.43 | 6.39 | 5.62 | 3.21 | 4.97 | 5.15 | 8.07 | 6.18 | 8.98 | 9.69 | 10.46 | 7.99 | 10.21 | 10.08 | 10.55 | 7.84 | 10.34 | 9.80 | 8.01 | 5.99 | 5.32 | 5.86 | 6.70 | 7.97 | 8.76 | 9.15 | 8.84 | 8.71 | 7.58 | 7.02 | 7.48 | 7.23 | 7.54 | 7.32 | 7.15 | 7.01 | 7.01 | 6.90 | 7.02 | 7.00 | 7.06 | 7.00 | 6.60 | 6.44 | 6.30 | 6.23 | 6.70 | 6.98 | 6.96 | 7.01 | 6.74 | 6.86 | 6.72 | 6.70 | 6.54 | 6.02 | 5.92 | 5.71 | 1.36 | 1.46 | 1.42 |
ROA % |
1.20 | 1.16 | 1.04 | 0.70 | 0.64 | 0.37 | 0.57 | 0.61 | 0.95 | 0.72 | 1.04 | 1.13 | 1.22 | 0.93 | 1.21 | 1.23 | 1.31 | 0.99 | 1.30 | 1.23 | 1.00 | 0.75 | 0.70 | 0.81 | 0.95 | 1.15 | 1.25 | 1.30 | 1.25 | 1.22 | 1.05 | 0.95 | 1.00 | 0.95 | 0.99 | 0.97 | 0.94 | 0.92 | 0.93 | 0.92 | 0.94 | 0.94 | 0.95 | 0.94 | 0.89 | 0.86 | 0.85 | 0.84 | 0.90 | 0.94 | 0.94 | 0.95 | 0.91 | 0.92 | 0.90 | 0.90 | 0.88 | 0.81 | 0.80 | 0.77 | 0.18 | 0.20 | 0.19 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 |
DSO |
454.8 | 425.9 | 482.2 | 460.5 | 442.3 | - | 469.6 | 394.5 | 329.6 | - | 352.2 | 331.4 | 314.4 | - | 293.1 | 277.6 | 259.2 | - | 267.4 | 255.7 | 291.6 | - | 333.1 | 455.1 | 329.9 | - | 242.1 | 240.6 | 321.9 | - | 305.1 | 305.6 | 305.9 | - | 287.1 | 295.0 | 297.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | 482.2 | 460.5 | 442.3 | - | 469.6 | 394.5 | 329.6 | - | 352.2 | 331.4 | 314.4 | - | 293.1 | 277.6 | 259.2 | - | 267.4 | 255.7 | 291.6 | - | 333.1 | 455.1 | 329.9 | - | 242.1 | 240.6 | 321.9 | - | 305.1 | 305.6 | 305.9 | - | 287.1 | 295.0 | 297.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | 482.2 | 460.5 | 442.3 | - | 469.6 | 394.5 | 329.6 | - | 352.2 | 331.4 | 314.4 | - | 293.1 | 277.6 | 259.2 | - | 267.4 | 255.7 | 291.6 | - | 333.1 | 455.1 | 329.9 | - | 242.1 | 240.6 | 321.9 | - | 305.1 | 305.6 | 305.9 | - | 287.1 | 295.0 | 297.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Provident Financial Services, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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