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Blender Financial Technologies Ltd. (IL:BLND)
TASE:BLND
Israel Market
BLND
Blender
RESEARCH TOOLSreports

Blender (BLND) Ratios

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Blender Ratios

IL:BLND's free cash flow for Q4 2025 was ₪0.61. For the 2025 fiscal year, IL:BLND's free cash flow was decreased by ₪ and operating cash flow was ₪0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.35 0.35 0.00 8.22 7.60
Quick Ratio
 0.35 0.35 0.00 8.22 7.60
Cash Ratio
 0.30 0.30 0.00 8.22 7.60
Solvency Ratio
 >-0.01 >-0.01 -0.08 -0.09 -0.15
Operating Cash Flow Ratio
 -0.02 -0.04 0.00 -3.97 -5.19
Short-Term Operating Cash Flow Coverage
 -0.02 -0.04 0.02 -0.24 -0.88
Net Current Asset Value
₪ -127.17M₪ -127.17M₪ -139.36M₪ -120.69M₪ -74.61M
Leverage Ratios
Debt-to-Assets Ratio
 0.70 0.70 0.16 0.36 0.41
Debt-to-Equity Ratio
 2.91 2.91 0.77 1.45 1.10
Debt-to-Capital Ratio
 0.74 0.74 0.43 0.59 0.52
Long-Term Debt-to-Capital Ratio
 0.45 0.45 0.43 0.59 0.52
Financial Leverage Ratio
 4.13 4.13 4.79 4.01 2.68
Debt Service Coverage Ratio
 0.10 0.10 <0.01 -0.07 -0.42
Interest Coverage Ratio
 1.68 0.85 0.00 0.00 0.00
Debt to Market Cap
 2.16 2.62 3.39 3.34 2.71
Interest Debt Per Share
 11.64 14.67 2.72 7.40 9.02
Net Debt to EBITDA
 10.48 9.85 7.78 -8.20 -3.86
Profitability Margins
Gross Profit Margin
74.92%63.10%100.00%100.00%76.88%
EBIT Margin
23.14%21.93%-8.11%-32.86%-36.75%
EBITDA Margin
32.23%29.84%4.31%-22.17%-32.05%
Operating Profit Margin
27.15%20.14%-8.11%-16.43%-36.75%
Pretax Profit Margin
-2.14%-1.87%-61.17%-72.54%-54.55%
Net Profit Margin
-11.66%-10.15%-61.73%-71.16%-55.45%
Continuous Operations Profit Margin
-3.17%-2.76%-61.84%-72.76%-55.39%
Net Income Per EBT
543.66%543.66%100.92%98.09%101.65%
EBT Per EBIT
-7.90%-9.27%754.40%441.58%148.41%
Return on Assets (ROA)
-1.92%-1.92%-8.01%-7.76%-10.14%
Return on Equity (ROE)
-9.70%-7.94%-38.32%-31.10%-27.14%
Return on Capital Employed (ROCE)
8.94%7.62%-1.05%-1.83%-6.89%
Return on Invested Capital (ROIC)
4.48%3.82%-0.67%-1.36%-6.01%
Return on Tangible Assets
-1.99%-1.99%-8.33%-7.99%-10.44%
Earnings Yield
-4.87%-7.25%-37.62%-37.40%-49.47%
Efficiency Ratios
Receivables Turnover
 11.33 13.01 17.86 7.62 1.39
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 10.40 11.95 5.46 4.84 5.93
Asset Turnover
 0.16 0.19 0.13 0.11 0.18
Working Capital Turnover Ratio
 -1.02 -1.18 1.56 0.79 0.71
Cash Conversion Cycle
 32.23 28.05 20.44 47.88 262.54
Days of Sales Outstanding
 32.23 28.05 20.44 47.88 262.54
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 32.23 28.05 20.44 47.88 262.54
Cash Flow Ratios
Operating Cash Flow Per Share
 -0.14 -0.38 0.18 -1.61 -2.78
Free Cash Flow Per Share
 -0.14 -0.39 0.18 -1.62 -2.84
CapEx Per Share
 <0.01 <0.01 <0.01 <0.01 0.06
Free Cash Flow to Operating Cash Flow
 1.01 1.01 0.98 1.00 1.02
Dividend Paid and CapEx Coverage Ratio
 -82.13 -188.39 54.79 -376.79 -43.90
Capital Expenditure Coverage Ratio
 -82.13 -188.39 54.79 -376.79 -43.90
Operating Cash Flow Coverage Ratio
 -0.01 -0.03 0.07 -0.22 -0.31
Operating Cash Flow to Sales Ratio
 -0.05 -0.10 0.08 -0.72 -0.70
Free Cash Flow Yield
-2.69%-7.44%4.85%-38.00%-63.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -20.53 -13.79 -2.66 -2.67 -2.02
Price-to-Sales (P/S) Ratio
 1.95 1.40 1.64 1.90 1.12
Price-to-Book (P/B) Ratio
 1.63 1.09 1.02 0.83 0.55
Price-to-Free Cash Flow (P/FCF) Ratio
 -37.11 -13.44 20.62 -2.63 -1.58
Price-to-Operating Cash Flow Ratio
 -46.15 -13.51 20.25 -2.64 -1.61
Price-to-Earnings Growth (PEG) Ratio
 -0.28 0.19 0.18 0.09 0.09
Price-to-Fair Value
 1.63 1.09 1.02 0.83 0.55
Enterprise Value Multiple
 16.52 14.54 45.84 -16.79 -7.36
Enterprise Value
 193.94M 181.51M 45.43M 83.62M 73.14M
EV to EBITDA
 16.52 14.54 45.84 -16.79 -7.36
EV to Sales
 5.32 4.34 1.98 3.72 2.36
EV to Free Cash Flow
 -101.43 -41.67 24.84 -5.15 -3.32
EV to Operating Cash Flow
 -102.67 -41.89 24.39 -5.16 -3.39
Tangible Book Value Per Share
 3.44 4.22 2.98 4.58 7.54
Shareholders’ Equity Per Share
 3.86 4.74 3.55 5.11 8.17
Tax and Other Ratios
Effective Tax Rate
 -0.48 -0.48 -0.01 >-0.01 -0.02
Revenue Per Share
 2.63 3.71 2.20 2.24 4.00
Net Income Per Share
 -0.31 -0.38 -1.36 -1.59 -2.22
Tax Burden
 5.44 5.44 1.01 0.98 1.02
Interest Burden
 -0.09 -0.09 7.54 2.21 1.48
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.24 0.00 1.02 0.73 0.67
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 0.02 0.03
Income Quality
 0.64 2.96 -0.13 1.01 1.25
Currency in ILS