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. Check PROV goodwill-adjusted equity ratio to evaluate the tangible quality of 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. Also explore Provident Financial Holdings Inc annual equity growth to track the company's year-over-year net asset growth rate.
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 Provident Financial Holdings Inc stock valuation.
| 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 | $- | $- | — |