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STOCKS

Ponce Financial Group Inc (PDLB)

NASDAQ:PDLB

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 Q2 2025 was $0.52. For the 2025 fiscal year, PDLB's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.27	0.18	144.18	3.03	3.45
Quick Ratio	1.27	0.18	195.19	4.84	6.33
Cash Ratio	0.02	0.09	40.18	1.68	2.49
Solvency Ratio	<0.01	<0.01	-0.01	0.02	<0.01
Operating Cash Flow Ratio	0.01	<0.01	7.05	0.20	-0.92
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.20	-0.23
Net Current Asset Value	$ -22.61M	$ -1.98B	$ -1.62B	$ -1.18B	$ -1.09B
Leverage Ratios
Debt-to-Assets Ratio	0.18	0.26	0.24	0.07	0.11
Debt-to-Equity Ratio	1.09	1.46	1.12	0.64	0.93
Debt-to-Capital Ratio	0.52	0.59	0.53	0.39	0.48
Long-Term Debt-to-Capital Ratio	0.50	0.58	0.00	0.13	0.16
Financial Leverage Ratio	6.05	5.60	4.69	8.74	8.49
Debt Service Coverage Ratio	0.25	0.13	-1.59	0.28	0.05
Interest Coverage Ratio	0.26	0.10	-1.55	4.07	0.46
Debt to Market Cap	1.51	3.08	0.00	0.50	0.85
Interest Debt Per Share	28.80	34.19	25.03	7.74	9.60
Net Debt to EBITDA	18.68	55.66	-15.23	-0.97	9.53
Profitability Margins
Gross Profit Margin	49.30%	54.21%	92.80%	93.41%	100.00%
EBIT Margin	13.07%	4.35%	-51.92%	48.50%	10.56%
EBITDA Margin	15.79%	7.72%	-45.91%	52.07%	15.64%
Operating Profit Margin	12.83%	4.35%	-35.17%	48.50%	10.56%
Pretax Profit Margin	13.07%	4.35%	-51.92%	48.50%	10.56%
Net Profit Margin	9.69%	2.49%	-42.27%	36.66%	7.77%
Continuous Operations Profit Margin	9.69%	2.49%	-42.27%	36.66%	7.77%
Net Income Per EBT	74.12%	57.27%	81.42%	75.59%	73.60%
EBT Per EBIT	101.85%	100.00%	147.60%	100.00%	100.00%
Return on Assets (ROA)	0.55%	0.12%	-1.30%	1.54%	0.28%
Return on Equity (ROE)	3.41%	0.68%	-6.09%	13.43%	2.42%
Return on Capital Employed (ROCE)	2.11%	0.48%	-1.08%	2.15%	0.40%
Return on Invested Capital (ROIC)	2.82%	0.27%	-2.28%	6.11%	1.58%
Return on Tangible Assets	0.55%	0.12%	-1.30%	1.67%	0.29%
Earnings Yield	5.34%	1.51%	-14.19%	10.47%	2.20%
Efficiency Ratios
Receivables Turnover	9.41	7.47	0.00	0.00	0.00
Payables Turnover	21.92	5.15	3.68	20.03	0.00
Inventory Turnover	0.00	0.00	-0.07	-0.03	0.00
Fixed Asset Turnover	4.01	2.84	1.40	3.53	1.55
Asset Turnover	0.06	0.05	0.03	0.04	0.04
Working Capital Turnover Ratio	-0.30	-0.12	0.37	0.53	0.78
Cash Conversion Cycle	22.15	-22.04	-5.16K	-13.50K	0.00
Days of Sales Outstanding	38.80	48.89	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	-5.06K	-13.49K	0.00
Days of Payables Outstanding	16.65	70.93	99.25	18.22	0.00
Operating Cycle	38.80	48.89	-5.06K	-13.49K	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.21	0.29	0.43	1.11	-1.65
Free Cash Flow Per Share	1.16	0.27	0.41	0.86	-1.76
CapEx Per Share	0.06	0.02	0.02	0.25	0.11
Free Cash Flow to Operating Cash Flow	0.95	0.94	0.95	0.78	1.07
Dividend Paid and CapEx Coverage Ratio	11.46	15.80	19.92	4.45	-14.46
Capital Expenditure Coverage Ratio	21.55	15.80	19.92	4.45	-14.46
Operating Cash Flow Coverage Ratio	0.05	<0.01	0.02	0.15	-0.18
Operating Cash Flow to Sales Ratio	0.15	0.05	0.14	0.27	-0.55
Free Cash Flow Yield	7.63%	2.74%	4.40%	5.92%	-16.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	18.72	66.23	-7.05	9.55	45.48
Price-to-Sales (P/S) Ratio	1.92	1.65	2.98	3.50	3.53
Price-to-Book (P/B) Ratio	0.63	0.45	0.43	1.28	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	13.11	36.50	22.72	16.88	-5.96
Price-to-Operating Cash Flow Ratio	11.83	34.19	21.58	13.09	-6.37
Price-to-Earnings Growth (PEG) Ratio	0.95	-0.59	0.04	0.02	-0.25
Price-to-Fair Value	0.63	0.45	0.43	1.28	1.10
Enterprise Value Multiple	30.81	77.05	-21.72	5.76	32.13
Enterprise Value	875.49M	799.66M	707.53M	207.76M	249.12M
EV to EBITDA	30.81	77.05	-21.72	5.76	32.13
EV to Sales	4.87	5.95	9.97	3.00	5.02
EV to Free Cash Flow	33.31	131.48	76.02	14.45	-8.47
EV to Operating Cash Flow	31.76	123.16	72.20	11.20	-9.06
Tangible Book Value Per Share	22.94	21.60	21.71	11.30	9.57
Shareholders’ Equity Per Share	22.94	21.60	21.71	11.30	9.57
Tax and Other Ratios
Effective Tax Rate	0.26	0.43	0.19	0.24	0.26
Revenue Per Share	7.92	5.91	3.13	4.14	2.97
Net Income Per Share	0.77	0.15	-1.32	1.52	0.23
Tax Burden	0.74	0.57	0.81	0.76	0.74
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.15	0.25	0.41	0.35	0.46
Stock-Based Compensation to Revenue	0.02	0.02	0.04	0.04	0.04
Income Quality	1.58	1.94	-0.33	0.73	-7.14

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