Provident Financial Services, I — Earnings Quality Grade F
PFS · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 40 days, change -8 days YoY
AR growth 5.1% vs revenue growth 25.3%
Revenue grew 25.3% but CFFO only 3.7%
Expense Quality
No material inventory
CapEx growth 782.9% is >2x revenue growth 25.3%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.52. Profits backed by cash
FCF $0.4B, FCF/NI = 1.48
Accruals ratio = -0.6%. Low accruals
Cash $0.2B covers only 9% of debt $2.4B
Balance Sheet Health
Goodwill+Intangibles $0.8B = 28% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor PFS continuously
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Altman Z-Score — Not Applicable
Provident Financial Services, I is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25