Provident Financial Holdings Inc (PROV) — Defensive Interval Ratio
Provident Financial Holdings Inc (PROV) has a Defensive Interval Ratio of 397 days as of March 2026. Defensive assets of $98.19 Million (cash $-, short-term investments $94.00 Million, receivables $4.20 Million) cover 397 days of daily cash needs of $247.07K/day. See working capital to net assets of Provident Financial Holdings Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Provident Financial Holdings Inc Defensive Interval Ratio (1996–2025)
This chart shows how Provident Financial Holdings Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of March 2026, the ratio stands at 397 days, meaning defensive assets of $98.19 Million can fund 397 days of operations without new revenue. See Provident Financial Holdings Inc (PROV) net asset quality to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Provident Financial Holdings Inc (1996–2025)
The table below presents the year-by-year Defensive Interval Ratio for Provident Financial Holdings Inc from 1996 to 2025, covering 30 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see PROV company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2 days | $4.28 Million | $2.43 Million/day | $- | $69.00K | ▼ -1 days |
| 2024 | 3 days | $6.14 Million | $2.43 Million/day | $- | $1.85 Million | ▲ +0 days |
| 2023 | 2 days | $5.87 Million | $2.65 Million/day | $- | $2.15 Million | ▲ +0 days |
| 2022 | 2 days | $5.64 Million | $2.67 Million/day | $- | $2.68 Million | ▼ 0 days |
| 2021 | 3 days | $6.59 Million | $2.62 Million/day | $- | $3.59 Million | ▼ -1 days |
| 2020 | 3 days | $7.99 Million | $2.50 Million/day | $- | $4.72 Million | ▼ -1 days |
| 2019 | 4 days | $9.39 Million | $2.36 Million/day | $- | $5.97 Million | ▼ 0 days |
| 2018 | 4 days | $10.71 Million | $2.55 Million/day | $- | $7.50 Million | ▼ -1 days |
| 2017 | 5 days | $12.23 Million | $2.59 Million/day | $- | $9.32 Million | ▼ -1 days |
| 2016 | 6 days | $14.32 Million | $2.59 Million/day | $- | $11.54 Million | ▼ -1 days |
| 2015 | 7 days | $17.00 Million | $2.58 Million/day | $- | $14.16 Million | ▼ -1 days |
| 2014 | 7 days | $18.83 Million | $2.52 Million/day | $- | $16.35 Million | ▼ -1 days |
| 2013 | 9 days | $22.50 Million | $2.59 Million/day | $- | $19.51 Million | ▼ -1 days |
| 2012 | 10 days | $26.18 Million | $2.71 Million/day | $- | $22.90 Million | ▲ +8 days |
| 2011 | 1 days | $3.78 Million | $2.59 Million/day | $- | $- | ▼ 0 days |
| 2010 | 2 days | $4.64 Million | $2.56 Million/day | $- | $- | ▼ -47 days |
| 2009 | 48 days | $131.44 Million | $2.71 Million/day | $- | $125.28 Million | ▼ -8 days |
| 2008 | 57 days | $160.38 Million | $2.82 Million/day | $- | $153.10 Million | ▼ -15 days |
| 2007 | 72 days | $199.59 Million | $2.79 Million/day | $- | $131.84 Million | ▼ -19 days |
| 2006 | 90 days | $232.86 Million | $2.58 Million/day | $- | $126.16 Million | ▼ -41 days |
| 2005 | 131 days | $404.93 Million | $3.08 Million/day | $- | $230.83 Million | ▲ +108 days |
| 2004 | 23 days | $60.13 Million | $2.61 Million/day | $- | $-31.31 Million | ▼ -68 days |
| 2003 | 91 days | $196.67 Million | $2.16 Million/day | $- | $76.84 Million | ▼ -7 days |
| 2002 | 98 days | $187.66 Million | $1.92 Million/day | $- | $114.83 Million | ▲ +33 days |
| 2001 | 65 days | $144.29 Million | $2.23 Million/day | $- | $- | ▲ +62 days |
| 2000 | 3 days | $7.39 Million | $2.58 Million/day | $- | $- | ▲ +0 days |
| 1999 | 3 days | $6.00 Million | $2.23 Million/day | $- | $- | ▼ 0 days |
| 1998 | 3 days | $4.90 Million | $1.64 Million/day | $- | $- | ▲ +1 days |
| 1997 | 2 days | $3.40 Million | $1.43 Million/day | $- | $- | ▲ +0 days |
| 1996 | 2 days | $3.08 Million | $1.31 Million/day | $- | $- | — |