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Payment Financial Technologies Ltd (IL:PMNT)
:PMNT
Israel Market

Payment Fina (PMNT) Ratios

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Payment Fina Ratios

IL:PMNT's free cash flow for Q2 2025 was 1.00. For the 2025 fiscal year, IL:PMNT's free cash flow was decreased by and operating cash flow was 0.46. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
1.86 1.60 1.43 1.47 3.12
Quick Ratio
1.86 1.60 1.43 1.47 3.12
Cash Ratio
0.06 0.11 0.14 0.29 2.15
Solvency Ratio
0.23 0.14 0.08 0.08 -0.04
Operating Cash Flow Ratio
-0.02 0.04 -0.04 -0.07 -0.11
Short-Term Operating Cash Flow Coverage
-0.02 0.04 -0.04 -0.07 -0.14
Net Current Asset Value
62.10M 57.03M 51.14M 49.19M 19.52M
Leverage Ratios
Debt-to-Assets Ratio
0.48 0.53 0.64 0.64 0.27
Debt-to-Equity Ratio
0.98 1.30 1.94 1.87 0.40
Debt-to-Capital Ratio
0.49 0.57 0.66 0.65 0.29
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 <0.01 0.04
Financial Leverage Ratio
2.04 2.45 3.03 2.92 1.49
Debt Service Coverage Ratio
0.30 0.20 0.16 0.10 -0.01
Interest Coverage Ratio
6.35 3.75 0.00 0.00 0.00
Debt to Market Cap
0.40 0.70 0.76 0.95 0.05
Interest Debt Per Share
2.03 2.45 3.13 2.99 0.36
Net Debt to EBITDA
2.58 3.43 4.80 6.99 145.67
Profitability Margins
Gross Profit Margin
100.00%100.00%100.00%100.00%100.00%
EBIT Margin
50.78%52.13%55.16%43.05%-4.98%
EBITDA Margin
55.06%52.50%55.48%44.23%-1.06%
Operating Profit Margin
43.94%39.99%35.04%43.05%-4.98%
Pretax Profit Margin
42.57%39.99%34.45%36.58%-9.80%
Net Profit Margin
32.96%30.88%26.73%36.90%-9.80%
Continuous Operations Profit Margin
32.96%30.88%26.73%36.90%-9.80%
Net Income Per EBT
77.44%77.20%77.59%100.88%100.00%
EBT Per EBIT
96.89%100.00%98.31%84.97%196.68%
Return on Assets (ROA)
10.43%7.98%5.53%5.38%-2.33%
Return on Equity (ROE)
23.12%19.52%16.73%15.68%-3.47%
Return on Capital Employed (ROCE)
27.10%24.76%21.28%18.06%-1.68%
Return on Invested Capital (ROIC)
11.00%8.43%5.74%6.29%-1.25%
Return on Tangible Assets
10.97%8.38%5.53%5.52%-2.49%
Earnings Yield
9.29%10.68%6.60%8.01%-0.47%
Efficiency Ratios
Receivables Turnover
0.37 0.30 0.25 0.19 0.86
Payables Turnover
21.28 66.34 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
14.15 34.83 29.23 13.69 13.77
Asset Turnover
0.32 0.26 0.21 0.15 0.24
Working Capital Turnover Ratio
0.79 0.77 0.75 0.68 0.76
Cash Conversion Cycle
970.30 1.20K 1.49K 1.91K 426.47
Days of Sales Outstanding
987.45 1.21K 1.49K 1.91K 426.47
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
17.15 5.50 0.00 0.00 0.00
Operating Cycle
987.45 1.21K 1.49K 1.91K 426.47
Cash Flow Ratios
Operating Cash Flow Per Share
-0.03 0.10 -0.14 -0.21 -0.05
Free Cash Flow Per Share
-0.04 0.10 -0.14 -0.23 -0.05
CapEx Per Share
<0.01 <0.01 <0.01 0.01 <0.01
Free Cash Flow to Operating Cash Flow
1.24 0.97 1.02 1.05 1.06
Dividend Paid and CapEx Coverage Ratio
-0.14 0.55 -0.87 -19.20 -17.33
Capital Expenditure Coverage Ratio
-4.10 30.55 -45.66 -19.20 -17.33
Operating Cash Flow Coverage Ratio
-0.02 0.04 -0.04 -0.07 -0.13
Operating Cash Flow to Sales Ratio
-0.03 0.09 -0.14 -0.32 -0.14
Free Cash Flow Yield
-0.88%3.04%-3.47%-7.23%-0.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.77 9.36 15.16 12.49 -210.82
Price-to-Sales (P/S) Ratio
3.62 2.89 4.05 4.61 20.65
Price-to-Book (P/B) Ratio
2.29 1.83 2.53 1.96 7.31
Price-to-Free Cash Flow (P/FCF) Ratio
-113.10 32.90 -28.84 -13.82 -138.21
Price-to-Operating Cash Flow Ratio
-138.12 31.83 -29.47 -14.54 -146.18
Price-to-Earnings Growth (PEG) Ratio
0.82 0.28 1.89 -0.01 0.50
Price-to-Fair Value
2.29 1.83 2.53 1.96 7.31
Enterprise Value Multiple
9.15 8.94 12.10 17.41 -1.81K
Enterprise Value
249.00M 202.00M 258.65M 183.84M 150.03M
EV to EBITDA
9.15 8.94 12.10 17.41 -1.81K
EV to Sales
5.04 4.69 6.71 7.70 19.11
EV to Free Cash Flow
-157.59 53.41 -47.79 -23.10 -127.90
EV to Operating Cash Flow
-196.06 51.66 -48.84 -24.30 -135.28
Tangible Book Value Per Share
1.79 1.58 1.61 1.47 0.82
Shareholders’ Equity Per Share
1.99 1.79 1.61 1.59 0.91
Tax and Other Ratios
Effective Tax Rate
0.23 0.23 0.22 <0.01 0.00
Revenue Per Share
1.28 1.13 1.01 0.68 0.32
Net Income Per Share
0.42 0.35 0.27 0.25 -0.03
Tax Burden
0.77 0.77 0.78 1.01 1.00
Interest Burden
0.84 0.77 0.62 0.85 1.97
Research & Development to Revenue
0.16 0.15 0.15 0.16 0.32
SG&A to Revenue
0.15 0.14 0.12 0.15 0.15
Stock-Based Compensation to Revenue
0.01 <0.01 0.02 0.04 0.27
Income Quality
-0.08 0.29 -0.51 -0.86 1.44
Currency in ILS