Jun 2026 (Q4 FY26) — Jul 29, 2026
Provident Financial Holdings Q4 FY26 — Strong NIM Expansion and Credit Quality Amidst Loan Growth
Read the full callProvident Financial Holdings earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 2.2 | +34.3% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
1Y: $15.8 on 14 Oct 2025 → $18.11. High $18.71 (10 Sept 2026), low $15.01 (17 Nov 2025).
Overview
Call summaries
Provident Financial Holdings Q4 FY26 — Strong NIM Expansion and Credit Quality Amidst Loan Growth
Read the full callEvery analysed call
Financials
Net profit, year on year: +34% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Depreciation | 0 | — | 0 | — | 0 | — | 0 | — |
| Profit before tax | 3 | 1 | 3 | 2 | 3 | 2 | 2 | 3 |
| Tax rate | 29.3% | 28.8% | 30.0% | 29.5% | 38.5% | 29.9% | 29.1% | 25.7% |
| Net profit | 2 | 1 | 2 | 2 | 2 | 1 | 1 | 2 |
| EPS ($ per share) | 0.28 | 0.13 | 0.28 | — | 0.26 | 0.22 | 0.21 | — |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 191 | 194 | 198 | 203 | 207 | 210 | 212 | 215 |
| Total liabilities | 964 | 1,053 | 1,056 | 1,058 | 1,203 | 1,142 | 1,117 | 1,082 |
| Fixed assets | 8 | 10 | 9 | 9 | 9 | 9 | 9 | 9 |
| Total assets | 1,085 | 1,177 | 1,184 | 1,187 | 1,333 | 1,272 | 1,246 | 1,208 |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 107 | 8 | 12 | 12 | 16 | 6 | 9 | 9 |
| Cash from investing | 17 | -49 | -56 | -52 | -110 | 45 | 26 | 31 |
| Cash from financing | -97 | 86 | -1 | -7 | 136 | -65 | -33 | -44 |
| Net cash flow | 27 | 45 | -46 | -47 | 42 | -14 | 2 | -4 |
| Capital expenditure | -0 | -0 | -0 | -0 | -1 | -2 | -1 | -0 |
| Free cash flow | 107 | 8 | 11 | 12 | 16 | 4 | 8 | 9 |
16 filings between Nov 12, 2025 and Aug 12, 2026.
Purchases
None
No insider bought shares.
Sales
$206.9K
5 sales by 2 insiders
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Weiant David | — | $131.8K | Jun 10, 2026 |
| Wertz Gwendolyn | — | $75.1K | Nov 12, 2025 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 12, 2026 | Wertz Gwendolyn Senior Vice President | Tax withheld | 601 | $10.8K |
| Aug 12, 2026 | TERNES DONAVON P President & CEO | Tax withheld | 1,346 | $24.3K |
| Aug 12, 2026 | Sunarto Haryanto Lee Vice President | Tax withheld | 357 | $6.4K |
| Aug 12, 2026 | Ritter Robert Scott Senior Vice President | Tax withheld | 601 | $10.8K |
| Aug 12, 2026 | Van Stockum Michael Scott Senior Vice President | Tax withheld | 272 | $4.9K |
| Jul 30, 2026 | Webb Matthew Director | Option exercise | 7,000 | $84.6K |
| Jul 23, 2026 | Van Stockum Michael Scott Senior Vice President | Award | 6,000 | $0 |
| Jun 10, 2026 | Weiant David Senior Vice President | Sale | 2,732 | $46.8K |
| Jun 8, 2026 | Weiant David Senior Vice President | Sale | 1,012 | $17.2K |
| Jun 4, 2026 | Weiant David Senior Vice President | Sale | 1,000 | $17.1K |
| Jun 1, 2026 | Weiant David Senior Vice President | Sale | 3,000 | $50.8K |
| May 23, 2026 | Sunarto Haryanto Lee Vice President | Tax withheld | 1,081 | $18.6K |
| May 23, 2026 | Ritter Robert Scott Senior Vice President | Tax withheld | 1,843 | $31.8K |
| May 23, 2026 | TERNES DONAVON P President & CEO | Tax withheld | 3,229 | $55.6K |
| May 23, 2026 | Wertz Gwendolyn Senior Vice President | Tax withheld | 1,853 | $31.9K |
| Nov 12, 2025 | Wertz Gwendolyn Senior Vice President | Sale | 4,800 | $75.1K |
| Jun 10, 2025 | Wertz Gwendolyn Senior Vice President | Sale | 1,940 | $29.9K |
| May 22, 2025 | Fan Peter Chai Senior Vice President - CFO | Award | 7,500 | $0 |
| May 7, 2025 | Weiant David Senior Vice President | Disposition to issuer | 6,144 | $91.5K |
| May 6, 2025 | Weiant David Senior Vice President | Disposition to issuer | 3,856 | $58.1K |
| Dec 19, 2024 | Demirdjian Avedis Senior Vice President | Award | 5,000 | $0 |
| Nov 21, 2024 | Harris Glee Ann Senior Vice President | Award | 5,000 | $0 |
| Oct 31, 2024 | BLUNDEN CRAIG G Director | Sale | 1,059 | $16.5K |
| Aug 12, 2024 | Wertz Gwendolyn Senior Vice President | Tax withheld | 686 | $9.1K |
| Aug 12, 2024 | TERNES DONAVON P President & CEO | Tax withheld | 1,338 | $17.7K |
| Aug 12, 2024 | BLUNDEN CRAIG G Director | Tax withheld | 1,861 | $24.6K |
| Aug 12, 2024 | Ritter Robert Scott Senior Vice President | Tax withheld | 648 | $8.6K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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