NYSE: PFS - Provident Financial Services, Inc.

Yield per half year: -14.39%
Dividend yield: +5.57%
Sector: Financials

Reporting Provident Financial Services, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
1.21 1.36 1.68 1.69 1.62 1.2 1.74 1.7 1.35 1.43 1.52 -3.58
Выручка, млрд $
0.314 0.3339 0.3594 0.3618 0.385 0.4528 0.5053 0.4514 1.05 1.05 0.5689 22.22
Чистая прибыль, млрд $
0.0878 0.0939 0.1184 0.1126 0.097 0.1679 0.1756 0.1284 0.1155 0.1155 0.1369 3.55
EV, млрд $
3.4 4.2 2.82 2.52 1.92 1.78 2.76 2.65 22.77 22.77 6.38 63.99
EBIT, млрд $
0.1717 0.1779 0.1951 0.2031 0.2206 0.1783 0.2825 0.3943 -0.0192 -0.0192 0.2113 -161.37
EBITDA, млрд $
0.1758 0.1813 0.1977 0.2132 0.2233 0.1817 0.2862 0.418 0.003 0.003 0.2224 -57.77
Баланс стоимость, млрд $
1.25 1.3 0.6511 0.6953 0.7181 0.8145 1.6 1.69 2.6 2.6 1.48 29.35
FCF, млрд $
0.1223 0.114 0.1526 0.132 0.0941 0.1444 0.1909 0.1659 0.4264 0.4264 0.2043 35.28
Операционный денежный поток, млрд $
0.1273 0.1172 0.1557 0.1369 0.1069 0.1582 0.2003 0.1734 0.4264 0.4264 0.2130 31.88
Операционная прибыль, млрд $
0.271 0.2911 0.1439 0.2206 0.1783 0.2825 0.2887 0.2428 1.04 1.04 0.4065 42.29
Операционные расходы, млрд $
0.0037 0.0039 0.275 0.288 0.0362 0.0386 0.0052 0.2086 0.0051 0.0051 0.0587 -32.43
CAPEX, млрд $
0.005 0.0032 0.0032 0.0049 0.0128 0.0138 0.0094 0.0075 0.0013 0.0013 0.0090 -36.71


Balance sheet

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.1443 0.1908 0.1427 0.1867 0.5324 0.7125 0.1865 0.1802 0.2059 0.2059 0.3635 -17.30
Short Term Investments $
1.04 1.04 1.06 0.9769 1.11 2.06 1.8 0.0000 0.0000 0.0000 1.40 11.17
Long term investments $
6.49 6.95 7.43 7.74 8.74 8.71 11.28 2.5 2.19 2.05 5.35 -25.12
Total Receivables $
0.0271 0.0296 0.0315 0.029 0.0465 0.042 0.0519 0.059 0.0912 0.0912 0.0581 14.42
Total Current Assets $
7.46 7.85 7.71 1.19 1.68 2.81 2.04 0.2392 0.2971 0.2971 1.41 -29.28
Чистые активы, млрд $
0.089 0.0841 0.0632 1.36 1.41 1.62 1.7 0.0798 1.64 0.0798 1.29 3.07
Активы, млрд $
9.5 9.85 9.73 9.81 12.92 13.78 13.78 14.21 24.05 24.05 15.75 13.23
Short Term Debt $
1.71 0.5774 0.9696 0.1213 0.5499 0.1884 0.4362 0.8819 1.15 1.15 0.6413 15.90
Long Term Debt $
1.61 1.74 1.44 1.13 1.18 0.6371 1.35 1.46 2.31 2.31 1.39 14.38
Задолженность, млрд $
8.25 8.55 8.37 8.39 11.3 12.08 12.19 12.52 21.45 21.45 13.91 13.68
Чистый долг, млрд $
1.47 1.55 1.18 0.9384 0.6688 -0.0754 1.16 1.28 2.1 2.1 1.03 25.71
Долг, млрд $
2.19 2.71 1.32 1.13 1.2 0.6371 2.23 1.46 2.31 2.31 1.57 14.00
Interest income $
0.2918 0.3023 0.3238 0.3598 0.3715 0.3633 0.4023 0.4662 0.5888 0.4384 9.65
Расходы на обслуживание долга $
0.0437 0.0456 0.0592 0.0735 0.0507 0.0363 0.0486 0.2164 0.4455 0.4455 0.1595 54.44
Чист. проц. доходы, млрд $
0.2499 0.2586 0.2782 0.3598 0.3715 0.3633 0.4023 0.4662 0.5888 0.5888 0.4384 9.65
Goodwill $
0.3928 0.4116 0.4116 0.4116 0.4116 0.4206 0.443 0.4444 0.4436 0.4436 0.4390 1.07
Амортизация, млрд $
0.0041 0.0034 0.0027 0.0021 0.0027 0.0034 0.0037 0.0237 0.0222 0.0221 0.0111 52.40
Себестоимость, млрд $
0.0288 0.0276 0.0288 0.0311 0.0338 0.0362 0.0386 0.043 0.0474 0.0474 0.0398 7.00
Товарно материальные запасы $
0.0105 0.008 0.0069 0.0016 0.0027 0.0045 0.0087 0.2639 0.1213 0.1213 0.0802 114.04


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 1.38 1.52 1.82 1.74 1.39 2.19 2.35 1.71 0.1053 0.1053 1.55 -40.31
Цена акции ао 25.97 25.91 25.12 15.57 22.81 21.36 18.03 18.87 17.34 17.34 19.68 -5.34
Число акций ао, млн 64.22 64.75 65.1 64.73 69.63 76.56 74.78 74.87 1097.13 1097.13 278.59 73.58
FCF/акцию 1.9 1.76 2.34 2.04 1.35 1.89 2.55 2.22 0.3886 0.3886 1.68 -22.05


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 7.01 7.23 8.91 8.12 6.39 10.13 10.66 7.81 5.38 5.38 22.64 8.07 -3.38
ROA, % 0.9242 0.9543 1.21 1.15 0.8531 1.26 1.27 0.9173 0.6039 0.6039 3.91 0.9809 -6.68
ROIC, % 2.63 2.71 3.87 3.84 4.52 5.46 4.42 8.62 6.48 7.28 8.01 6.45 5.92
ROS, % 28.14 32.94 31.13 25.18 37.08 34.76 28.45 11.04 11.04 11.04 22.37 24.47 -21.52
ROCE, % 14.21 15.02 14.94 15.6 1.57 2.12 10 -0.3101 -0.7379 -0.7379 17.52 2.53 -185.98
Ebit margin, % 40.66 78.62 74.43 78.02 -4.25 -1.83 -1.83 45.00 -147.14
Рентаб EBITDA, % 57.74 59.22 59.32 61.73 47.2 63.19 82.71 0.654 0.2822 0.2822 34.55 38.81 -64.08
Чистая рентаб, % 27.97 28.14 32.94 31.13 25.18 37.08 34.76 28.45 11.04 11.04 22.25 27.30 -15.20
Operation Margin, % 87.2 56.51 40.66 33.13 50.16 57.14 53.79 99.51 99.51 99.51 34.64 72.02 14.68
Доходность FCF, % 7.31 9.02 9.02 6.78 9.03 8.16 7.86 8.3 11.24 12.33 9.58 8.61


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
15.45 17.9 13.84 14.08 12.9 11.04 9.12 10.67 178.92 178.92 22.83 44.53 69.21
P/BV
1.08 1.29 1.21 1.12 0.772 1.09 1 0.8105 7.95 7.95 5.54 2.32 59.42
P/S
4.32 5.04 4.56 4.38 3.25 4.09 3.17 3.04 19.76 19.76 5.04 6.66 43.48
P/FCF
14.75 11.07 12.25 12.73 12.04 8.89 7.49 8.62 3.35 3.35 7.52 8.08 -22.57
E/P
0.0559 0.0701 0.0696 0.081 0.0966 0.1034 0.0955 0.0898 0.0808 0.0808 1.16 0.0932 -3.51
EV/EBIT
17.16 6.34 5.28 7.01 -137.98 -165.18 -1186.39 -1186.39 -295.4520 -395.34
EV/EBITDA
25.76 18.77 21.25 13.21 11.3 10.56 6.22 6.61 897.19 1074.07 33.78 186.38 139.86
EV/S
12.59 11.12 9.43 7.09 4.65 5.47 5.87 21.77 21.77 21.77 5.71 11.91 36.17
EV/FCF
36.87 26.18 25.84 28.99 14.59 14.47 15.96 53.41 53.41 53.41 9.92 30.37 29.63
Debt/EBITDA
13.72 6.2 5.04 6.61 2.23 5.33 494.09 882.05 782.12 782.12 -1.68 433.16 222.84
Netdebt/Ebitda
7.85 6.1 6.26 5.11 -0.3267 2.78 433.03 609.92 712.36 712.36 -9.45 351.55 -565.28
Debt/Ratio
0.2755 0.2517 0.202 0.1596 0.0784 0.1618 0.1026 0.096 0.096 0.096 0.19 0.1070 4.13
Debt/Equity
2.09 1.8 1.4 1.27 0.6364 1.4 0.8628 0.8876 8.25 8.25 9.01 2.41 66.93
Debt/Net Income
28.87 20.68 17.59 21.27 6.43 12.69 11.36 19.99 19.99 19.99 19.58 14.09 25.46
PEG
70012.49 70012.49 70012.49 0.00
Бета
1.71 0.3231 1.31 1.31 0.74 1.11 -8.50
Индекс Альтмана
0.343 0.3615 0.3365 0.2531 -0.3844 0.3135 0.2713 0.2437 0.1646 0.1646 5.29 0.1217 -184.40


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0413 0.0454 0.0536 0.0728 0.0658 0.0715 0.072 0.0724 0.101 0.0539 0.0765 8.95
Дивиденд
0.9258 0.82 1.12 0.92 0.93 0.96 0.96 0.96 0.24 1.2 0.8100 -23.73
Див доход, ао, %
2.83 3.19 3.7 5.7 4 4.14 5.9 5.17 5.8 5.57 2.32 5.00 7.71
Дивиденды / прибыль, %
51.67 63.84 45.28 64.64 67.89 42.57 41 56.42 87.39 87.39 39.26 59.05 5.18
Dividend Coverage Ratio
2.14 2.14 2.14 0.00


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Other

IFRS
Reporting Annual
2023 2024 CAGR 5
Персонал, чел
1124 1109 -0.67