PROV vs COE

Comparison between Provident Financial Holdings Inc (PROV, Company) and 51 Talk Online Education Group (COE, Company).

PROV is from the Financial Services sector, while COE is from the Consumer Defensive sector.

5-Year PerformanceCOE has outperformed PROV, delivering a return of +12.0% compared to +4.4%

PROV vs COE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PROV(COMPANY)	COE(COMPANY)
Market Cap	$114M	$114M
Max Drawdown	92.50%	97.64%
Sharpe Ratio	1.40	-0.41
5Y Beta	0.24	0.25
Industry	Banks - Regional	Education & Training Services
P/E Ratio	19.11	-6.76
Forward P/E	10.99	3.04
PEG Ratio	4.00	-0.05
Dividend Yield	3.10%	N/A
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	3.92%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.49%	8.38%
P/S Ratio	2.78	1.05
P/B Ratio	0.88	2.94

Market Cap

Winner

PROV

$114M

COE

$114M

Max Drawdown

Winner

PROV

92.50%

COE

97.64%

Sharpe Ratio

Winner

PROV

1.40

COE

-0.41

5Y Beta

Winner

PROV

0.24

COE

0.25

Industry

PROV

Banks - Regional

COE

Education & Training Services

P/E Ratio

PROV

19.11

Winner

COE

-6.76

Forward P/E

PROV

10.99

Winner

COE

3.04

PEG Ratio

PROV

4.00

Winner

COE

-0.05

Dividend Yield

PROV

3.10%

COE

N/A

5Y Dividends CAGR

PROV

4.56%

COE

N/A

5Y EPS CAGR

PROV

3.92%

COE

N/A

Debt to Equity

PROV

0.00%

COE

0.00%

Free Cash Flow Yield

PROV

6.49%

Winner

COE

8.38%

P/S Ratio

PROV

2.78

Winner

COE

1.05

P/B Ratio

Winner

PROV

0.88

COE

2.94

PROV vs COE - Historical Returns

Returns include dividend reinvestment.

Period	PROV	COE
1 month	+4.76%	+20.74%
3 months	+5.32%	-17.37%
6 months	+12.10%	-30.80%
1 year	+22.01%	-39.18%
5 years(CAGR)	+4.36%	+12.05%
10 years(CAGR)	+2.77%	-14.55%
Max(CAGR)	+5.35%	-12.53%

PROV

+4.76%

Winner

COE

+20.74%

Winner

PROV

+5.32%

COE

-17.37%

Winner

PROV

+12.10%

COE

-30.80%

Winner

PROV

+22.01%

COE

-39.18%

5Y(CAGR)

PROV

+4.36%

Winner

COE

+12.05%

10Y(CAGR)

Winner

PROV

+2.77%

COE

-14.55%

Max(CAGR)

Winner

PROV

+5.35%

COE

-12.53%

PROV vs COE - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PROV	COE
2026	+14.07%	-37.62%
2025	+2.92%	+59.17%
2024	+29.28%	+156.25%
2023	-5.72%	+20.95%
2022	-15.85%	+25.00%
2021	+11.67%	-95.59%
2020	-25.42%	+156.00%
2019	+38.11%	+47.23%
2018	-13.44%	-40.58%
2017	-5.86%	-15.65%
2016	+12.66%	-18.07%
2015	+28.43%	N/A
2014	+3.48%	N/A
2013	-15.56%	N/A
2012	+91.42%	N/A
2011	+34.40%	N/A
2010	+172.36%	N/A
2009	-39.09%	N/A
2008	-71.13%	N/A
2007	-43.47%	N/A
2006	+17.21%	N/A
2005	-6.77%	N/A
2004	+20.94%	N/A
2003	+38.48%	N/A
2002	+53.99%	N/A
2001	+35.06%	N/A
2000	+22.73%	N/A
1999	-11.43%	N/A

PROV vs COE Drawdown Comparison

The maximum drawdown for PROV was -91.83%, occurring on Dec 22, 2009. This drawdown has not yet recovered.

The maximum drawdown for COE was -97.64%, occurring on Jan 31, 2022. This drawdown has not yet recovered.

The current PROV drawdown is -4.84%. The current COE drawdown is -86.07%.

Rank	PROV	COE
#1	-91.83% Dec 13, 2006 - Dec 22, 2009	-97.64% Mar 10, 2020 - Jan 31, 2022
#2	-30.67% Nov 10, 1999 - Sep 15, 2000	-84.63% Aug 5, 2016 - Feb 20, 2020
#3	-20.25% Feb 14, 2001 - May 15, 2001	-28.27% Feb 26, 2020 - Mar 10, 2020
#4	-17.54% Mar 30, 2005 - Mar 1, 2006	-16.87% Jun 21, 2016 - Aug 5, 2016
#5	-16.36% Apr 3, 2006 - Dec 12, 2006	-8.05% Jun 14, 2016 - Jun 21, 2016
#6	-15.89% Aug 13, 2001 - Dec 13, 2001	-4.06% Feb 20, 2020 - Feb 24, 2020
#7	-11.96% Mar 31, 2004 - Sep 10, 2004	N/A
#8	-10.75% Sep 17, 2002 - Oct 21, 2002	N/A
#9	-10.19% Jul 1, 2002 - Aug 1, 2002	N/A
#10	-10.15% Sep 29, 2004 - Nov 22, 2004	N/A
#11	-10.14% Oct 4, 2000 - Dec 7, 2000	N/A
#12	-10.05% Dec 29, 2003 - Mar 12, 2004	N/A
#13	-8.65% Apr 10, 2002 - Jun 3, 2002	N/A
#14	-8.43% Dec 27, 2000 - Feb 14, 2001	N/A
#15	-6.86% May 13, 2003 - Oct 14, 2003	N/A