
Provident Financial Holdings Income Statement 2025-2010 | PROV
Brief overview of financial results at Provident Financial Holdings
The comparison covers a five-year financial horizon. Revenue reported by Provident Financial Holdings was 73.7 million dollars at the beginning of the period and 40.9 million dollars at the end. Overall revenue changed by −44.4%, equal to an annualized rate of about −11.1%. Sales followed a declining trajectory over the five years.
Net income changed from $9.8 million to $7.7 million (−21.6%). Revenue converted into net income more efficiently.
The market value of the business moved from $144 million to $93.2 million, or −35.2%. Market expectations deteriorated over the period.
Financial takeaway
The financial trajectory is weak and requires a cautious interpretation. The weaker side of the profile includes limited revenue growth, lower investor confidence and declining net profitability. Future reports should be judged by revenue momentum, margins, and the conversion of sales into net income.
Annual Income Statement Provident Financial Holdings
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
104 M | 99.7 M | 91 M | 104 M | 119 M | 93.2 M | 154 M | 138 M | 149 M | 163 M | 144 M | 146 M | 183 M | 137 M | 96.6 M | - |
Shares |
6.72 M | 6.94 M | 7.14 M | 7.4 M | 7.46 M | 7.47 M | 7.49 M | 7.54 M | 7.92 M | 8.35 M | 9 M | 9.93 M | 10.6 M | 11.3 M | 11.4 M | - |
Historical Prices |
15.5 | 14.4 | 12.7 | 14.1 | 16.4 | 15.5 | 18.7 | 18.7 | 16.3 | 16.2 | 14.8 | 12.6 | 12.3 | 13.3 | 7.93 | 6.59 |
Net Income |
6.26 M | 7.35 M | 8.59 M | 9.09 M | 7.56 M | 7.69 M | 4.42 M | 2.13 M | 5.21 M | 7.47 M | 9.8 M | 6.61 M | 25.8 M | 10.8 M | 13.2 M | 1.12 M |
Revenue |
- | - | - | - | - | 40.9 M | 50.7 M | 58.2 M | 66.6 M | 69.4 M | 73.7 M | 62.4 M | 109 M | 79.9 M | 74.1 M | - |
Cost of Revenue |
19 M | 17.6 M | 17.7 M | 15.8 M | 15.2 M | 18.9 M | 30.1 M | 34.8 M | 41.7 M | 42.6 M | 41.6 M | 38 M | 50.4 M | 39.3 M | 30 M | 23.4 M |
Interest Expense |
35.5 M | 34.9 M | 9.01 M | 3.14 M | 4.56 M | 6.06 M | 6.21 M | 6.41 M | 6.68 M | 6.98 M | 6.42 M | 7.34 M | 10.8 M | 14.7 M | 20.9 M | 30.6 M |
EBITDA |
1.6 M | 1.6 M | 1.4 M | 1.5 M | 1.6 M | - | - | - | - | - | - | - | - | - | - | 1.53 M |
Operating Expenses |
- | - | - | - | - | 36 M | 51 M | 59 M | 64 M | 64 M | 63 M | 58 M | 77 M | 76 M | 72 M | - |
General and Administrative Expenses |
- | - | - | - | - | 19.1 M | 30.7 M | 35.6 M | 42.5 M | 43.6 M | 42.6 M | 39 M | 51.5 M | 40.6 M | 32.6 M | - |
All numbers in USD currency
Quarterly Income Statement Provident Financial Holdings
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
6.37 M | 6.46 M | 6.57 M | 6.46 M | 6.57 M | 6.58 M | 6.68 M | 6.74 M | 6.83 M | 6.85 M | 6.92 M | 6.97 M | 7.02 M | 7.04 M | 7.08 M | 7.18 M | 7.27 M | 7.29 M | 7.36 M | 7.44 M | 7.53 M | 7.48 M | 7.46 M | 7.44 M | 7.44 M | 7.44 M | 7.44 M | 7.48 M | 7.48 M | 7.48 M | 7.48 K | 7.51 M | 7.43 K | 7.51 K | 7.43 K | 7.57 K | 7.69 K | 7.57 M | 7.69 M | 7.95 M | 7.95 M | 7.95 M | 7.95 M | 8.4 M | 8.57 M | 8.4 M | 8.57 M | 9.12 M | 9.25 M | 9.12 M | 9.25 M | 10.1 M | 10.3 M | 10.1 M | 10.3 M | 10.7 M | 10.8 M | 10.9 M | 11.1 M | 11.2 M | 11.4 M | 10.9 M | - |
Net Income |
1.35 M | 1.44 M | 1.68 M | 1.44 M | 1.68 M | - | 1.86 M | 872 K | 1.9 M | - | 1.5 M | 2.14 M | 1.76 M | - | 2.32 M | 2.37 M | 2.09 M | 4.46 M | 1.7 M | 2.26 M | 2.67 M | 4.93 M | 1.56 M | 1.18 M | 1.48 M | 1.18 M | 1.48 M | 2.4 M | 2.56 M | 2.4 M | 2.56 M | 1.96 M | 1.82 M | 1.96 M | 1.82 M | -777 K | -225 K | -777 K | -225 K | 1.5 M | 1.59 M | 1.5 M | 1.59 M | 982 K | 2.44 M | 982 K | 2.44 M | 2.33 M | 2.39 M | 2.33 M | 2.39 M | 1.6 M | 1.51 M | 1.6 M | 1.51 M | 6.94 M | 8.73 M | 6.94 M | 8.73 M | 1.85 M | 2.32 M | 1.85 M | 2.32 M |
Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10.9 M | 10.7 M | 10.4 M | 10.7 M | 10.5 M | 10.3 M | 10.8 M | 10.8 M | 10.4 M | 9.65 M | 9.36 M | 9.86 M | 10.6 M | 9.94 M | 9.66 M | 9.51 M | 9.27 M | 9.16 M | 9.51 M | 10.1 M | 10.1 M | 10.6 M | 11.6 M | 11.8 M | 12.5 M | 12.5 M | 13.5 M | 13 M | - | - |
Cost of Revenue |
4.81 M | 4.78 M | 4.77 M | 4.78 M | 4.77 M | - | 4.78 M | 4.83 M | 4.63 M | - | 4.54 M | 4.57 M | 4.11 M | - | 4.36 M | 4.38 M | 4.14 M | 8.52 M | 4.2 M | 4.46 M | 3.12 M | 7.58 M | 4.24 M | 4.3 M | 4.44 M | 4.3 M | 4.44 M | 5 M | 4.98 M | 5 M | 4.98 M | 7.21 M | 8.25 M | 7.21 M | 8.25 M | 8.63 M | 9.27 M | 8.63 M | 9.27 M | 10.3 M | 11.3 M | 10.3 M | 11.3 M | 9.97 M | 10.8 M | 9.97 M | 10.8 M | 9.95 M | 9.58 M | 9.95 M | 9.58 M | 8.91 M | 10.5 M | 8.91 M | 10.5 M | 12.7 M | 13.2 M | 12.7 M | 13.2 M | 8.38 M | 8.85 M | 8.38 M | 8.85 M |
Interest Expense |
9.16 M | 8.92 M | 8.93 M | 8.92 M | 8.93 M | - | 9.21 M | 8.76 M | 8.62 M | - | 8.56 M | 8.77 M | 9.14 M | - | 2.61 M | 1.79 M | 933 K | 2.72 M | 720 K | 848 K | 858 K | 1.71 M | 973 K | 1.27 M | 1.35 M | 1.27 M | 1.35 M | 1.58 M | 1.5 M | 1.58 M | 1.5 M | 1.61 M | 1.64 M | 1.61 M | 1.64 M | 1.61 M | 1.63 M | 1.61 M | 1.63 M | 1.72 M | 1.72 M | 1.72 M | 1.72 M | 1.77 M | 1.79 M | 1.77 M | 1.79 M | 1.55 M | 1.57 M | 1.55 M | 1.57 M | 1.86 M | 2.16 M | 1.86 M | 2.16 M | 2.84 M | 2.91 M | 2.84 M | 2.91 M | 3.95 M | 4.21 M | 3.95 M | 4.21 M |
EBITDA |
3 M | 1.83 M | 810 K | - | 810 K | - | - | - | 902 K | - | - | - | 757 K | - | - | - | 889 K | 1.64 M | - | - | 1.36 M | 2.82 M | - | - | 1.27 M | 2.8 M | 1.27 M | - | 790 K | 1.36 M | 790 K | - | 928 K | 1.66 M | 928 K | - | 664 K | 1.58 M | - | - | 697 K | 1.33 M | 697 K | - | 307 K | 861 K | 307 K | - | 611 K | 1.04 M | 611 K | - | 496 K | 863 K | 496 K | - | 480 K | 848 K | 480 K | - | 452 K | 792 K | 452 K |
Operating Expenses |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.38 M | 3.32 M | 5.15 M | 8.47 M | 2.16 M | 3.08 M | 3.03 M | 3.08 M | 3.03 M | 2.72 M | 2.46 M | 2.72 M | 2.46 M | 2.81 M | 2.81 M | 2.81 M | 2.81 M | 2.86 M | 2.92 M | 2.86 M | 2.92 M | 3 M | 2.99 M | - | 3.33 M | - | - | - | - |
General and Administrative Expenses |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.42 M | 2.39 M | 2.11 M | 4.5 M | 2.38 M | 3.32 M | 5.15 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Provident Financial Holdings (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.