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Provident Financial Holdings cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$4.3M in Q1 FY27 · $10.3M over twelve months

Operating cash flow$4.4M
Capital spending−$125K
Free cash flow+$4.3M
Cash / net income2.8×

Analysis

In Q1 FY27, Provident Financial Holdings generated $4.4M of operating cash flow and spent $125K on capital projects, leaving free cash flow of $4.3M. That is $1.8M more than in Q1 FY26 ($2.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $10.9M; the largest uses were net borrowing (+) / repaid (−) ($140M), buybacks ($6.6M), dividends ($3.6M); besides operations, cash came from other financing ($122M), other investing ($22.2M); the cash balance rose by $3.8M.

Operating cash flow was $4.4M against net income of $1.6M — 2.8× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$869K, prepaid and other assets +$795K, payables +$271K.

Free cash flow

Provident Financial Holdings: free cash flow by quarterProvident Financial Holdings: free cash flow by quarter$307KQ2 FY25$3.3MQ3 FY25$2.2MQ4 FY25$2.5MQ1 FY26$1.0MQ2 FY26$1.7MQ3 FY26$3.3MQ4 FY26$4.3MQ1 FY27
Operating cash flow less capital spending.
Provident Financial Holdings: operating cash flow against capital spendingProvident Financial Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$324K$17KQ2 FY25$3.3M$29KQ3 FY25$2.5M$313KQ4 FY25$2.5M$44KQ1 FY26$1.2M$187KQ2 FY26$1.9M$145KQ3 FY26$3.4M$56KQ4 FY26$4.4M$125KQ1 FY27
Latest (Q1 FY27): Operating cash flow $4.4M, Capital spending $125K.

Capital allocation, year by year

Provident Financial Holdings: where the cash came from (up) and went (down), by fiscal yearProvident Financial Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingBuybacksDividendsFY22: Operating cash flow $11.8MFY22: Net borrowing −$11.0MFY22: Capital spending −$165KFY22: Buybacks −$4.3MFY22: Dividends −$4.1M$11.8MFY22FY23: Operating cash flow $16.3MFY23: Net borrowing $265MFY23: Capital spending −$741KFY23: Buybacks −$4.6MFY23: Dividends −$4.0M$281MFY23FY24: Operating cash flow $5.7MFY24: Net borrowing −$48.5MFY24: Capital spending −$1.6MFY24: Buybacks −$2.6MFY24: Dividends −$3.9M$5.7MFY24FY25: Operating cash flow $8.7MFY25: Net borrowing −$25.5MFY25: Capital spending −$530KFY25: Buybacks −$4.4MFY25: Dividends −$3.8M$8.7MFY25FY26: Operating cash flow $9.0MFY26: Net borrowing −$56.1MFY26: Capital spending −$432KFY26: Buybacks −$6.0MFY26: Dividends −$3.6M$9.0MFY26
Over these 5 years operating cash flow totalled $51.5M; the largest uses were net borrowing ($141M) and buybacks ($22.0M). Cash-flow statements as filed.

Where the cash came from and went

Provident Financial Holdings: sources (+) and uses (−) of cash, Q1 FY27Provident Financial Holdings: sources (+) and uses (−) of cash, Q1 FY27Net borrowing (+) / repaid (−)$15.0MOther financing−$12.6MOperating cash flow$4.4MCash drawn (+) / kept (−)−$4.0MBuybacks−$1.7MDividends−$880KCapital spending−$125KTaxes on employees’ shares−$105KShares issued$85KOther investing$40K
Provident Financial Holdings: sources (+) and uses (−) of cash, TTM to Q1 FY27Provident Financial Holdings: sources (+) and uses (−) of cash, TTM to Q1 FY27Net borrowing (+) / repaid (−)−$140MOther financing$122MOther investing$22.2MOperating cash flow$10.9MBuybacks−$6.6MCash drawn (+) / kept (−)−$3.8MDividends−$3.6MCapital spending−$513K

From profit to cash

Provident Financial Holdings: net income to operating cash flow, Q1 FY27Provident Financial Holdings: net income to operating cash flow, Q1 FY27Net income$1.6MDepreciation & amortization$869KStock-based pay$143KPayables$271KPrepaid and other assets$795KOperating cash flow$4.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27$4.4M−$125K−$1.7M−$880K$15.0M$85K−$4.0M$4.3M
Q4 FY26$3.4M−$56K−$1.9M−$874K−$15.0M—$7.9M$3.3M
Q3 FY26$1.9M−$145K−$1.5M−$891K−$39.0M—−$2.8M$1.7M
Q2 FY26$1.2M−$187K−$1.5M−$906K−$41.0M—−$5.0M$1.0M
Q1 FY26$2.5M−$44K−$1.1M−$921K−$15K—$3.7M$2.5M
Q4 FY25$2.5M−$313K−$1.2M−$924K−$2.5M—−$2.2M$2.2M
Q3 FY25$3.3M−$29K−$801K−$935K−$30.0M—−$5.4M$3.3M
Q2 FY25$324K−$17K−$1.0M−$946K——$2.7M$307K

Provident Financial Holdings: income statement and cash flow

Provident Financial Holdings, Q1 FY27: revenue $10.6M (+8% year over year), operating margin 20.6%. The chart follows the revenue to costs, profit and cash.

Provident Financial Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.