Payment Financial Technologies Ltd (IL:PMNT)
TASE:PMNT
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Payment Fina
(TASE:PMNT)
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Rating:64Neutral
Price Target:
760.00
▲(18.51% Upside)
Action:Reiterated
Date:03/24/26
The score is primarily constrained by financial quality issues—especially inconsistent and recently worsening cash flow alongside elevated leverage—despite strong revenue growth and profitability. Technical signals are mixed with softer near-term momentum, while valuation (moderate P/E and solid dividend yield) provides a partial offset.
Positive Factors
Revenue scale and growth
Sustained multi-year revenue expansion—from single-digit millions to >56M—indicates the business model scales and demand exists for its software infrastructure. Durable top-line growth supports reinvestment, market share gains and long-term product-market fit over the next several months.
Negative Factors
Poor cash conversion
Earnings are not reliably converting to cash, with operating cash flow negative in most years. Persistent cash conversion weakness constrains liquidity, limits self-funding of capex or acquisitions, and forces reliance on external financing even amid profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue scale and growth
Sustained multi-year revenue expansion—from single-digit millions to >56M—indicates the business model scales and demand exists for its software infrastructure. Durable top-line growth supports reinvestment, market share gains and long-term product-market fit over the next several months.
Read all positive factors
Payment Fina (PMNT) vs. iShares MSCI Israel ETF (EIS)
Market Cap
N/A
Dividend Yield4.28%
Average Volume (3M)14.31K
Price to Earnings (P/E)11.0
Beta (1Y)0.72
Revenue Growth31.52%
EPS Growth30.92%
CountryIL
Employees45
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding39,263,160
10 Day Avg. Volume22,833
30 Day Avg. Volume14,311
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)2.74
Price to Sales (P/S)3.97
P/FCF Ratio-7.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Payment Fina Business Overview & Revenue Model
Company Description
Payment Financial Technologies Ltd. owns and operates a payment platform in Israel. Its platform sells retail credit through businesses. The company was founded in 2014 and is based in Omer, Israel....
Payment Fina Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
57
Neutral
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 56.62M | 43.05M | 38.52M | 23.87M | 7.85M |
| Gross Profit | 48.71M | 43.05M | 38.52M | 21.18M | 7.42M |
| EBITDA | 26.97M | 22.60M | 21.37M | 10.56M | -83.00K |
| Net Income | 18.19M | 13.29M | 10.30M | 8.81M | -769.00K |
Balance Sheet | |||||
| Total Assets | 215.58M | 166.56M | 186.34M | 163.88M | 32.94M |
| Cash, Cash Equivalents and Short-Term Investments | 5.94M | 10.92M | 16.92M | 31.41M | 20.95M |
| Total Debt | 123.22M | 88.48M | 119.50M | 105.82M | 9.14M |
| Total Liabilities | 133.38M | 98.48M | 124.77M | 107.69M | 10.78M |
| Stockholders Equity | 82.20M | 68.08M | 61.57M | 56.19M | 22.16M |
Cash Flow | |||||
| Free Cash Flow | -28.64M | 3.78M | -5.41M | -7.96M | -1.17M |
| Operating Cash Flow | -28.06M | 3.91M | -5.30M | -7.57M | -1.11M |
| Investing Cash Flow | -1.75M | -2.34M | -2.90M | -2.72M | -804.00K |
| Financing Cash Flow | 24.83M | -7.57M | -6.29M | 23.27M | 19.55M |
Payment Fina Technical Analysis
Negative
641.30
Price Trends
728.17
Negative
694.15
Positive
581.76
Positive
Market Momentum
0.03
Positive
43.34
Neutral
32.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PMNT, the sentiment is Negative. The current price of 641.3 is below the 20-day moving average (MA) of 738.98, below the 50-day MA of 728.17, and above the 200-day MA of 581.76, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 43.34 is Neutral, neither overbought nor oversold. The STOCH value of 32.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:PMNT.
Payment Fina Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₪14.40B | 41.49 | ― | 0.58% | 33.70% | 100.81% | |
65 Neutral | ₪178.42M | 9.27 | ― | 3.80% | -7.16% | 4.57% | |
64 Neutral | ― | 11.03 | ― | 4.28% | 31.52% | 30.92% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | ₪7.06B | 411.47 | ― | ― | 15.81% | 327.88% |
* Technology Sector Average
IL:PMNT
Payment Fina
715.90
334.13
87.52%
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.