Estados financieros detallados de Provident Financial Holdings, Inc. (PROV): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Provident Financial Holdings, Inc. registró ingresos de $59.6M en el último ejercicio fiscal, con un CAGR de 5 años del 8.4%. El beneficio neto alcanzó $6.7M, con un CAGR a 5 años del -2.5%.
Márgenes de los últimos 12 meses: margen bruto 68.1%, margen operativo 16.2%, margen neto 11.2%. El flujo de caja libre creció a un CAGR del -5.5% en 5 años.
Al precio actual de $18.50, PROV cotiza a un P/E de 17.93 y un ROE del 5.23%. La capitalización bursátil es de $116M.
Cuenta de Resultados (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Ingresos | $73.2M | $64.6M | $56.9M | $47.0M | $39.8M | $39.4M | $50.1M | $58.7M | $60.2M | $59.6M |
| Coste de Ventas | $5.6M | $5.9M | $5.7M | $7.2M | $3.9M | $673000 | $9.4M | $19.7M | $20.5M | $19.0M |
| Beneficio Bruto | $67.6M | $58.7M | $51.2M | $39.8M | $35.9M | $38.8M | $40.7M | $38.9M | $39.7M | $40.6M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $43.8M | $36.6M | $31.7M | $19.9M | $16.4M | $17.0M | $19.0M | $19.1M | $20.5M | $24.6M |
| Gastos Operativos | $58.8M | $53.2M | $45.2M | $28.9M | $25.7M | $25.9M | $28.3M | $28.5M | $30.8M | $31.0M |
| Beneficio Operativo | $8.8M | $5.5M | $5.9M | $10.9M | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| EBITDA | $11.5M | $8.7M | $9.0M | $14.3M | $16.5M | $17.7M | $15.6M | $13.5M | $12.4M | $9.6M |
| Gastos por Intereses | $6.7M | $6.4M | $6.2M | $6.1M | $4.6M | $3.1M | $9.0M | $19.8M | $21.2M | $19.6M |
| Beneficio Antes de Impuestos | $8.8M | $5.5M | $5.9M | $10.9M | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| Impuestos | $3.6M | $3.4M | $1.5M | $3.2M | $2.6M | $3.8M | $3.8M | $3.0M | $2.6M | $3.0M |
| Beneficio Neto | $5.2M | $2.1M | $4.4M | $7.7M | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| BPA | $0.66 | $0.28 | $0.59 | $1.03 | $1.01 | $1.23 | $1.20 | $1.06 | $0.93 | $1.04 |
| BPA Diluido | $0.64 | $0.28 | $0.58 | $1.01 | $1.00 | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
| Acciones en Circulación (Diluidas) | $8.1M | $7.7M | $7.6M | $7.6M | $7.5M | $7.4M | $7.2M | $7.0M | $6.8M | $6.4M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $15.0M | $14.9M | $14.6M | $15.2M |
| Beneficio Bruto | $10.4M | $10.0M | $9.6M | $10.7M |
| Beneficio Operativo | $2.7M | $2.0M | $1.9M | $2.9M |
| EBITDA | $3.5M | $3.1M | $3.1M | $2.9M |
| Beneficio Neto | $1.7M | $1.4M | $1.4M | $2.2M |
| BPA | $0.26 | $0.22 | $0.21 | $0.34 |
| BPA Diluido | $0.25 | $0.22 | $0.21 | $0.34 |
Balance (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caja y Equivalentes | $72.8M | $43.3M | $70.6M | $116.0M | $70.3M | $23.4M | $65.8M | $51.4M | $53.1M | $49.2M |
| Inversiones a Corto | $9.3M | $7.5M | $6.0M | $4.7M | $3.6M | $2.7M | $2.2M | $1.8M | $69000 | 0 |
| Cuentas por Cobrar | $2.9M | $3.2M | $3.4M | $3.3M | $3.0M | $3.0M | $3.7M | $4.3M | $4.2M | $4.3M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $102.4M | $71.0M | $94.4M | $137.2M | $91.8M | $44.2M | $82.2M | $57.5M | $57.4M | $53.5M |
| Inmovilizado Material | $6.6M | $8.7M | $8.2M | $10.3M | $9.4M | $8.8M | $9.2M | $9.3M | $9.3M | $9.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $739000 | $916000 | $627000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $1.20B | $1.18B | $1.08B | $1.18B | $1.18B | $1.19B | $1.33B | $1.27B | $1.25B | $1.21B |
| Cuentas por Pagar | $19.7M | $21.3M | $21.8M | $18.8M | $17.4M | $17.9M | $17.7M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $112.0M |
| Pasivos Corrientes | $946.2M | $928.9M | $863.1M | $911.8M | $955.3M | $973.4M | $968.3M | $888.3M | $888.8M | $112.0M |
| Deuda a Largo | $126.2M | $126.2M | $101.1M | $141.0M | $101.0M | $85.0M | $235.0M | $238.5M | $213.0M | $45.0M |
| Pasivos Totales | $1.07B | $1.06B | $964.2M | $1.05B | $1.06B | $1.06B | $1.20B | $1.14B | $1.12B | $1.08B |
| Reservas | $192.8M | $190.6M | $190.8M | $194.3M | $197.7M | $202.7M | $207.3M | $209.9M | $212.4M | $215.5M |
| Patrimonio Neto | $128.2M | $120.5M | $120.6M | $124.0M | $127.3M | $128.7M | $129.7M | $129.9M | $128.5M | $126.2M |
| Deuda Total | $126.2M | $126.2M | $101.1M | $141.0M | $101.0M | $85.0M | $235.0M | $238.5M | $213.1M | $157.0M |
| Deuda Neta | $44.1M | $75.4M | $24.5M | $20.3M | $27.1M | $58.9M | $167.0M | $185.3M | $159.9M | $107.8M |
| Capital Circulante | -$843.8M | -$858.0M | -$768.7M | -$774.6M | -$863.5M | -$929.2M | -$886.0M | -$830.8M | -$831.4M | -$58.5M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $49.4M | $54.4M | $57.1M | $49.2M |
| Activos Totales | $1.23B | $1.23B | $1.22B | $1.21B |
| Pasivos Totales | $1.10B | $1.10B | $1.09B | $1.08B |
| Patrimonio Neto | $128.4M | $127.5M | $126.6M | $126.2M |
| Deuda Total | $213.1M | $213.1M | $186.3M | $157.0M |
Flujo de Caja (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Beneficio Neto | $5.2M | $2.1M | $4.4M | $7.7M | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| Amortizaciones | $2.6M | $3.1M | $3.1M | $3.4M | $6.3M | $4.8M | $3.2M | $3.2M | $3.5M | 0 |
| Compensación en Acciones | $1.5M | $1.1M | $869000 | $954000 | $1.3M | $798000 | $1.2M | $240000 | $543000 | 0 |
| Cambio en Capital Circulante | $1.9M | $1.4M | $2.6M | -$5.8M | -$3.3M | -$1.6M | $1.8M | -$4.4M | -$2.2M | -$1.6M |
| Flujo de Caja Operativo | $83.4M | $28.0M | $107.1M | $8.0M | $11.6M | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| Inversiones (CapEx) | -$1.5M | -$2.9M | -$449000 | -$229000 | -$225000 | -$165000 | -$741000 | -$1.6M | -$530000 | -$432000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$8.7M | -$7.3M | -$1.4M | -$1.3M | -$2.3M | -$4.3M | -$4.6M | -$2.6M | -$4.4M | -$6.0M |
| Dividendos Pagados | -$4.1M | -$4.2M | -$4.2M | -$4.2M | -$4.2M | -$4.1M | -$4.0M | -$3.9M | -$3.8M | -$3.6M |
| Flujo de Caja Libre | $81.4M | $25.1M | $106.6M | $7.7M | $11.3M | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $2.5M | $1.2M | $1.9M | $3.4M |
| Inversiones (CapEx) | -$44000 | $44000 | -$145000 | -$44000 |
| Flujo de Caja Libre | $2.5M | $1.3M | $1.7M | $3.3M |
| Dividendos Pagados | -$921000 | -$906000 | -$891000 | -$874000 |
| Compensación en Acciones | $123000 | $128000 | $119000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crecimiento Ingresos (anual) | | -11.8% | -11.9% | -17.4% | -15.3% | -0.8% | +26.9% | +17.2% | +2.5% | -0.9% |
| Crecimiento Beneficio Neto (anual) | | -59.1% | +107.3% | +74.1% | -1.7% | +20.3% | -5.5% | -14.4% | -14.9% | +6.4% |
| Crecimiento BPA (anual) | | -57.6% | +110.7% | +74.6% | -1.9% | +21.8% | -2.4% | -11.7% | -12.3% | +11.8% |
| Cambio en Acciones (anual) | | -4.9% | -1.4% | -0.3% | -0.5% | -1.2% | -3.5% | -3.2% | -2.8% | -4.6% |
| Crecimiento FCF (anual) | | -69.2% | +325.3% | -92.8% | +46.9% | +2.5% | +34.0% | -73.7% | +99.1% | +4.7% |
| Margen Bruto | 92.3% | 90.9% | 89.9% | 84.7% | 90.3% | 98.3% | 81.3% | 66.3% | 65.9% | 68.1% |
| Margen Operativo | 12.0% | 8.6% | 10.4% | 23.2% | 25.6% | 32.6% | 24.8% | 17.7% | 14.8% | 16.2% |
| Margen EBITDA | 15.6% | 13.4% | 15.8% | 30.4% | 41.4% | 44.9% | 31.2% | 23.1% | 20.5% | 16.2% |
| Margen Neto | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 17.2% | 12.5% | 10.4% | 11.2% |
| Margen FCF | 111.2% | 38.8% | 187.5% | 16.4% | 28.5% | 29.5% | 31.1% | 7.0% | 13.6% | 14.3% |
| Tasa Impositiva Efectiva | 40.9% | 61.4% | 25.4% | 29.5% | 25.8% | 29.3% | 30.8% | 29.2% | 29.5% | 30.9% |
Datos por Acción (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Acción | $10.05 | $3.26 | $14.04 | $1.02 | $1.51 | $1.56 | $2.17 | $0.59 | $1.21 | $1.32 |
| Dividendo por Acción | $0.51 | $0.55 | $0.55 | $0.55 | $0.55 | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 |
| Acciones en Circulación (Básicas) | $7.9M | $7.5M | $7.5M | $7.5M | $7.5M | $7.4M | $7.1M | $6.9M | $6.7M | $6.4M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 5.23% |
| Rentabilidad sobre capital invertido | 0.55% |
| Rentabilidad sobre activos | 0.55% |
| Margen bruto | 68.12% |
| Margen operativo | 16.16% |
| Margen neto | 11.16% |
Salud financiera
| Deuda / Patrimonio | 1.24 |
| Ratio corriente | 0.48 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.33 |
Ratios Clave (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/E | 29.17 | 68.14 | 36.42 | 13.02 | 17.10 | 12.06 | 10.62 | 11.59 | 16.67 | 16.54 |
| P/VC | 1.19 | 1.19 | 1.33 | 0.81 | 1.01 | 0.85 | 0.70 | 0.66 | 0.81 | 0.87 |
| P/V | 2.08 | 2.23 | 2.83 | 2.13 | 3.24 | 2.78 | 1.82 | 1.45 | 1.73 | 1.84 |
| Margen Bruto | 92.3% | 90.9% | 89.9% | 84.7% | 90.3% | 98.3% | 81.3% | 66.3% | 65.9% | 68.1% |
| Margen Operativo | 12.0% | 8.6% | 10.4% | 23.2% | 25.6% | 32.6% | 24.8% | 17.7% | 14.8% | 16.2% |
| Margen Neto | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 17.2% | 12.5% | 10.4% | 11.2% |