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Ponce Financial Group Inc (PDLB)
NASDAQ:PDLB
US Market
PDLB
Ponce Financial Group Inc
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Ponce Financial Group Inc (PDLB) Ratios

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Ponce Financial Group Inc Ratios

PDLB's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, PDLB's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.12 0.14 0.18 0.16
Quick Ratio
 0.00 0.12 0.14 0.18 0.16
Cash Ratio
 0.00 0.06 0.07 0.09 0.04
Solvency Ratio
 0.01 0.01 <0.01 <0.01 -0.01
Operating Cash Flow Ratio
 0.00 0.02 <0.01 <0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -2.70B$ -2.45B$ -2.27B$ -1.98B$ -1.62B
Leverage Ratios
Debt-to-Assets Ratio
 0.18 0.19 0.21 0.26 0.24
Debt-to-Equity Ratio
 1.09 1.15 1.24 1.46 1.12
Debt-to-Capital Ratio
 0.52 0.54 0.55 0.59 0.53
Long-Term Debt-to-Capital Ratio
 0.51 0.52 0.54 0.58 0.51
Financial Leverage Ratio
 5.99 5.95 6.01 5.60 4.69
Debt Service Coverage Ratio
 0.41 0.39 0.18 0.13 -1.59
Interest Coverage Ratio
 0.51 0.46 0.18 0.10 -2.28
Debt to Market Cap
 1.33 1.60 2.04 3.08 2.45
Interest Debt Per Share
 29.79 31.14 31.78 34.19 25.03
Net Debt to EBITDA
 12.67 11.60 23.83 55.66 -15.23
Profitability Margins
Gross Profit Margin
55.28%54.50%47.70%54.21%53.86%
EBIT Margin
21.56%20.33%9.38%4.35%-42.29%
EBITDA Margin
22.72%22.15%12.21%7.72%-37.40%
Operating Profit Margin
21.56%20.33%9.38%4.35%-42.29%
Pretax Profit Margin
21.01%19.78%9.38%4.35%-42.29%
Net Profit Margin
15.76%14.77%6.56%2.49%-34.44%
Continuous Operations Profit Margin
15.76%14.77%6.56%2.49%-34.44%
Net Income Per EBT
75.00%74.69%69.95%57.27%81.42%
EBT Per EBIT
97.49%97.27%100.00%100.00%100.00%
Return on Assets (ROA)
0.95%0.89%0.36%0.12%-1.30%
Return on Equity (ROE)
5.85%5.30%2.17%0.68%-6.09%
Return on Capital Employed (ROCE)
1.30%3.37%1.36%0.48%-3.48%
Return on Invested Capital (ROIC)
0.97%2.51%0.95%0.27%-2.84%
Return on Tangible Assets
0.95%0.89%0.36%0.12%-1.30%
Earnings Yield
7.70%7.69%3.76%1.51%-14.19%
Efficiency Ratios
Receivables Turnover
 10.33 10.85 9.41 7.47 5.79
Payables Turnover
 0.00 23.34 23.57 5.15 28.92
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.65 4.50 3.65 2.84 1.71
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.23 -0.11 -0.12 -0.12 -0.09
Cash Conversion Cycle
 35.35 18.00 23.29 -22.04 50.43
Days of Sales Outstanding
 35.35 33.63 38.77 48.89 63.05
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 15.64 15.49 70.93 12.62
Operating Cycle
 35.35 33.63 38.77 48.89 63.05
Cash Flow Ratios
Operating Cash Flow Per Share
 2.11 1.88 0.32 0.29 0.43
Free Cash Flow Per Share
 2.11 1.84 0.20 0.27 0.41
CapEx Per Share
 <0.01 0.04 0.12 0.02 0.02
Free Cash Flow to Operating Cash Flow
 1.00 0.98 0.62 0.94 0.95
Dividend Paid and CapEx Coverage Ratio
 41.73 20.44 2.18 15.80 19.92
Capital Expenditure Coverage Ratio
 1.38K 43.95 2.65 15.80 19.92
Operating Cash Flow Coverage Ratio
 0.08 0.07 0.01 <0.01 0.02
Operating Cash Flow to Sales Ratio
 0.24 0.22 0.04 0.05 0.11
Free Cash Flow Yield
11.32%11.25%1.54%2.74%4.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.98 13.01 26.58 66.23 -7.05
Price-to-Sales (P/S) Ratio
 2.15 1.92 1.74 1.65 2.43
Price-to-Book (P/B) Ratio
 0.74 0.69 0.58 0.45 0.43
Price-to-Free Cash Flow (P/FCF) Ratio
 8.83 8.89 64.90 36.50 22.72
Price-to-Operating Cash Flow Ratio
 8.41 8.69 40.44 34.19 21.58
Price-to-Earnings Growth (PEG) Ratio
 0.11 0.08 0.13 -0.59 0.04
Price-to-Fair Value
 0.74 0.69 0.58 0.45 0.43
Enterprise Value Multiple
 22.14 20.27 38.11 77.05 -21.72
Enterprise Value
 1.00B 872.44M 778.36M 799.66M 707.53M
EV to EBITDA
 22.14 20.27 38.11 77.05 -21.72
EV to Sales
 5.03 4.49 4.65 5.95 8.12
EV to Free Cash Flow
 20.66 20.77 173.20 131.48 76.02
EV to Operating Cash Flow
 20.68 20.30 107.93 123.16 72.20
Tangible Book Value Per Share
 23.98 23.71 22.53 21.60 21.71
Shareholders’ Equity Per Share
 23.98 23.71 22.53 21.60 21.71
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.30 0.43 0.19
Revenue Per Share
 8.66 8.51 7.46 5.91 3.84
Net Income Per Share
 1.36 1.26 0.49 0.15 -1.32
Tax Burden
 0.75 0.75 0.70 0.57 0.81
Interest Burden
 0.97 0.97 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.17 0.21 0.21 0.25 0.34
Stock-Based Compensation to Revenue
 <0.01 0.00 0.02 0.02 0.03
Income Quality
 1.69 1.50 0.66 1.94 -0.33
Currency in USD