Provident Financial Holdings Inc (PROV) — Cash Flow Quality Index
Provident Financial Holdings Inc (PROV) has a Cash Flow Quality Index of 1.40x as of March 2026. Operating cash flow of $1.89 Million exceeds net income of $1.35 Million, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Provident Financial Holdings Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Provident Financial Holdings Inc Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Provident Financial Holdings Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of Provident Financial Holdings Inc.
Annual Cash Flow Quality Index for Provident Financial Holdings Inc (1996–2025)
Year-by-year earnings quality comparison for Provident Financial Holdings Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.39x | $8.69 Million | $6.25 Million | ▲ +79.5% |
| 2024 | 0.77x | $5.68 Million | $7.35 Million | ▼ -59.3% |
| 2023 | 1.90x | $16.32 Million | $8.59 Million | ▲ +46.5% |
| 2022 | 1.30x | $11.79 Million | $9.09 Million | ▼ -15.3% |
| 2021 | 1.53x | $11.57 Million | $7.56 Million | ▲ +48.0% |
| 2020 | 1.03x | $7.95 Million | $7.69 Million | ▼ -95.7% |
| 2019 | 24.25x | $107.09 Million | $4.42 Million | ▲ +84.6% |
| 2018 | 13.13x | $27.99 Million | $2.13 Million | ▼ -18.0% |
| 2017 | 16.02x | $83.44 Million | $5.21 Million | ▲ +150.9% |
| 2016 | 6.39x | $47.73 Million | $7.47 Million | ▲ +208.4% |
| 2015 | -5.89x | $-57.77 Million | $9.80 Million | ▼ -180.2% |
| 2014 | 7.34x | $48.52 Million | $6.61 Million | ▲ +244.1% |
| 2013 | 2.13x | $55.06 Million | $25.80 Million | ▲ +287.2% |
| 2012 | -1.14x | $-12.32 Million | $10.81 Million | ▼ -524.3% |
| 2011 | -0.18x | $-2.41 Million | $13.22 Million | ▼ -121.0% |
| 2010 | 0.87x | $969.00K | $1.11 Million | ▼ -98.4% |
| 2008 | 55.87x | $48.05 Million | $860.00K | ▲ +1198.0% |
| 2007 | 4.30x | $48.58 Million | $11.29 Million | ▲ +48.1% |
| 2006 | 2.91x | $59.72 Million | $20.54 Million | ▲ +202.2% |
| 2005 | -2.85x | $-53.21 Million | $18.70 Million | ▼ -224.1% |
| 2004 | 2.29x | $34.56 Million | $15.07 Million | ▲ +328.9% |
| 2003 | -1.00x | $-16.92 Million | $16.89 Million | ▼ -110.8% |
| 2002 | 9.27x | $84.47 Million | $9.11 Million | ▲ +204.6% |
| 2001 | -8.86x | $-78.77 Million | $8.89 Million | ▼ -1485.0% |
| 2000 | 0.64x | $4.64 Million | $7.26 Million | ▼ -81.0% |
| 1999 | 3.36x | $35.30 Million | $10.50 Million | ▲ +139.8% |
| 1998 | -8.44x | $-42.20 Million | $5.00 Million | ▼ -142.2% |
| 1997 | 20.00x | $38.00 Million | $1.90 Million | ▲ +823.8% |
| 1996 | -2.76x | $-7.75 Million | $2.81 Million | — |