Provident Financial

Q4 FY2026 EarningsQ4 FY26 results significantly beat consensus across the board, with Diluted EPS of $0.35 versus the $0.275 mean estimate. Net Interest Margin (NIM) expanded to 3.21%, outperforming expectations and driven by lower funding costs on borrowings. A one-time conversion of VISA shares contributed to a 46% YoY surge in non-interest income, while credit quality remained superior with non-performing assets dropping to just 0.04% of total assets.