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STOCKS

Ponce Financial Group Inc (PDLB)

NASDAQ:PDLB

PDLB

Ponce Financial Group Inc

RESEARCH TOOLSreports

Ponce Financial Group Inc (PDLB) Ratios

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52 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.55	2.55	0.14	0.18	0.16
Quick Ratio	2.55	2.55	0.14	0.18	0.16
Cash Ratio	0.03	0.03	0.07	0.09	0.04
Solvency Ratio	0.01	0.01	<0.01	<0.01	-0.01
Operating Cash Flow Ratio	0.05	0.04	<0.01	<0.01	<0.01
Short-Term Operating Cash Flow Coverage	0.21	0.19	0.00	0.00	0.00
Net Current Asset Value	$ 55.45M	$ 55.45M	$ -2.27B	$ -1.98B	$ -1.62B
Leverage Ratios
Debt-to-Assets Ratio	0.20	0.20	0.21	0.26	0.24
Debt-to-Equity Ratio	1.21	1.21	1.24	1.46	1.12
Debt-to-Capital Ratio	0.55	0.55	0.55	0.59	0.53
Long-Term Debt-to-Capital Ratio	0.54	0.54	0.54	0.58	0.51
Financial Leverage Ratio	5.95	5.95	6.01	5.60	4.69
Debt Service Coverage Ratio	0.11	0.11	0.18	0.13	-1.59
Interest Coverage Ratio	0.46	0.46	0.18	0.10	-2.28
Debt to Market Cap	2.16	2.29	2.04	3.08	2.45
Interest Debt Per Share	32.43	32.43	31.78	34.19	25.03
Net Debt to EBITDA	14.55	14.55	23.83	55.66	-15.23
Profitability Margins
Gross Profit Margin	54.50%	54.50%	47.70%	54.21%	53.86%
EBIT Margin	20.33%	20.33%	9.38%	4.35%	-42.29%
EBITDA Margin	22.15%	22.15%	12.21%	7.72%	-37.40%
Operating Profit Margin	20.33%	20.33%	9.38%	4.35%	-42.29%
Pretax Profit Margin	19.78%	19.78%	9.38%	4.35%	-42.29%
Net Profit Margin	14.77%	14.77%	6.56%	2.49%	-34.44%
Continuous Operations Profit Margin	14.77%	14.77%	6.56%	2.49%	-34.44%
Net Income Per EBT	74.69%	74.69%	69.95%	57.27%	81.42%
EBT Per EBIT	97.27%	97.27%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.89%	0.89%	0.36%	0.12%	-1.30%
Return on Equity (ROE)	5.45%	5.30%	2.17%	0.68%	-6.09%
Return on Capital Employed (ROCE)	1.84%	1.84%	1.36%	0.48%	-3.48%
Return on Invested Capital (ROIC)	1.52%	1.52%	0.95%	0.27%	-2.84%
Return on Tangible Assets	0.89%	0.89%	0.36%	0.12%	-1.30%
Earnings Yield	7.64%	7.69%	3.76%	1.51%	-14.19%
Efficiency Ratios
Receivables Turnover	0.07	0.07	9.41	7.47	5.79
Payables Turnover	0.00	0.00	23.57	5.15	28.92
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.50	4.50	3.65	2.84	1.71
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-2.69	10.64	-0.12	-0.12	-0.09
Cash Conversion Cycle	4.92K	4.92K	23.29	-22.04	50.43
Days of Sales Outstanding	4.92K	4.92K	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	0.00	15.49	70.93	12.62
Operating Cycle	4.92K	4.92K	38.77	48.89	63.05
Cash Flow Ratios
Operating Cash Flow Per Share	2.12	1.88	0.32	0.29	0.43
Free Cash Flow Per Share	2.12	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	0.07	0.07	0.01	<0.01	0.02
Operating Cash Flow to Sales Ratio	0.25	0.22	0.04	0.05	0.11
Free Cash Flow Yield	12.27%	11.25%	1.54%	2.74%	4.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.09	13.01	26.58	66.23	-7.05
Price-to-Sales (P/S) Ratio	2.03	1.92	1.74	1.65	2.43
Price-to-Book (P/B) Ratio	0.69	0.69	0.58	0.45	0.43
Price-to-Free Cash Flow (P/FCF) Ratio	8.15	8.89	64.90	36.50	22.72
Price-to-Operating Cash Flow Ratio	7.76	8.69	40.44	34.19	21.58
Price-to-Earnings Growth (PEG) Ratio	0.38	0.08	0.13	-0.59	0.04
Price-to-Fair Value	0.69	0.69	0.58	0.45	0.43
Enterprise Value Multiple	23.73	23.23	38.11	77.05	-21.72
Enterprise Value	1.02B	999.68M	778.36M	799.66M	707.53M
EV to EBITDA	23.73	23.23	38.11	77.05	-21.72
EV to Sales	5.26	5.14	4.65	5.95	8.12
EV to Free Cash Flow	21.08	23.80	173.20	131.48	76.02
EV to Operating Cash Flow	21.09	23.26	107.93	123.16	72.20
Tangible Book Value Per Share	23.71	23.71	22.53	21.60	21.71
Shareholders’ Equity Per Share	23.71	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	8.51	8.51	7.46	5.91	3.84
Net Income Per Share	1.26	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	0.20	0.20	0.20	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