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Ponce Financial Group, Inc. PDLB

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Price alert · PDLB

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22.49 USD -0.19 -0.84%

At close

22.68 +0.19 +0.84%

Pre-market · Nov 2, 7:00 AM ET

Bid
22.45 × 2
Ask
22.52 × 2
22.07 Day range 22.81
14.01 52-week range 22.81
YTD
+37.55%
1 year
+59.39%
Open
22.78
Prev close
22.68
Mkt cap
543.99M
Vol
247.44K
Avg vol
91.15K
EPS
1.90
P/E
11.84
Div yield
0.00%
More statistics
Low
22.07
High
22.81
Forward P/E
33.08
Beta
0.51
Short ratio
1.66
Inst. own
45.82%
Dividend
0.00
Ex-div date
Earnings
Feb 4, 2025
50-d avg
12.39
200-d avg
10.27
1y target
14.00

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Financial health

Altman Z-Score

-0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 4

Valuation

P/E 13.5×
FY 2016: 87.6×FY 2017: -94.6×FY 2018: 84.9×FY 2019: -50.7×FY 2020: 45.7×FY 2021: 9.5×FY 2022: -7.1×FY 2023: 65.1×FY 2024: 28.3×FY 2025: 13.5×
FY 2016 5y median 13.5× FY 2025
P/S 1.9×
FY 2016: 3.5×FY 2017: 6.8×FY 2018: 4.7×FY 2019: 4.9×FY 2020: 2.9×FY 2021: 3.1×FY 2022: 2.4×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 0.7×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.6×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
P/FCF 6.8×
FY 2016: 32.5×FY 2017: 47.6×FY 2018: 107×FY 2019: 208×FY 2020: -6.0×FY 2021: 16.9×FY 2022: 22.7×FY 2023: 36.5×FY 2024: 64.9×FY 2025: 6.8×
FY 2016 5y median 22.7× FY 2025
EV/EBITDA 19.7×
FY 2016: 27.9×FY 2017: -192×FY 2018: 40.5×FY 2019: -87.0×FY 2020: 32.1×FY 2021: 5.8×FY 2022: -21.7×FY 2023: 77.0×FY 2024: 38.1×FY 2025: 19.7×
FY 2016 5y median 19.7× FY 2025
EV/Sales 4.5×
FY 2016: 3.3×FY 2017: 6.2×FY 2018: 4.7×FY 2019: 6.3×FY 2020: 4.1×FY 2021: 2.7×FY 2022: 8.1×FY 2023: 5.9×FY 2024: 4.7×FY 2025: 4.5×
FY 2016 5y median 4.7× FY 2025
FCF Yield 14.6%
FY 2016: 3.1%FY 2017: 2.1%FY 2018: 0.9%FY 2019: 0.5%FY 2020: -16.8%FY 2021: 5.9%FY 2022: 4.4%FY 2023: 2.7%FY 2024: 1.5%FY 2025: 14.6%
FY 2016 5y median 4.4% FY 2025

Profitability

Gross Margin 54.5%
FY 2016: 83.4%FY 2017: 79.4%FY 2018: 77.8%FY 2019: 76.0%FY 2020: 77.3%FY 2021: 85.9%FY 2022: 53.9%FY 2023: 54.2%FY 2024: 47.7%FY 2025: 54.5%
FY 2016 5y median 54.2% FY 2025
Operating Margin 20.3%
FY 2016: 6.9%FY 2017: -7.2%FY 2018: 7.9%FY 2019: -11.5%FY 2020: 8.6%FY 2021: 43.3%FY 2022: -42.3%FY 2023: 4.4%FY 2024: 9.4%FY 2025: 20.3%
FY 2016 5y median 9.4% FY 2025
Net Margin 14.8%
FY 2016: 4.0%FY 2017: -10.6%FY 2018: 5.5%FY 2019: -9.8%FY 2020: 6.3%FY 2021: 32.8%FY 2022: -34.4%FY 2023: 2.5%FY 2024: 6.6%FY 2025: 14.8%
FY 2016 5y median 6.6% FY 2025
ROE 5.3%
FY 2016: 1.5%FY 2017: -2.7%FY 2018: 1.6%FY 2019: -3.2%FY 2020: 2.4%FY 2021: 13.4%FY 2022: -6.1%FY 2023: 0.7%FY 2024: 2.2%FY 2025: 5.3%
FY 2016 5y median 2.2% FY 2025
ROIC 2.5%
FY 2016: 1.4%FY 2017: -1.4%FY 2018: 1.1%FY 2019: -1.9%FY 2020: 1.2%FY 2021: 5.7%FY 2022: -2.8%FY 2023: 0.3%FY 2024: 1.0%FY 2025: 2.5%
FY 2016 5y median 1.0% FY 2025
ROA 0.9%
FY 2016: 0.2%FY 2017: -0.5%FY 2018: 0.3%FY 2019: -0.5%FY 2020: 0.3%FY 2021: 1.5%FY 2022: -1.3%FY 2023: 0.1%FY 2024: 0.4%FY 2025: 0.9%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue 16.1%
FY 2016: -0.0%FY 2017: 17.1%FY 2018: 16.8%FY 2019: 8.6%FY 2020: 16.2%FY 2021: 27.3%FY 2022: 12.3%FY 2023: 54.3%FY 2024: 24.4%FY 2025: 16.1%
FY 2016 FY 2025
Operating Income 151.9%
FY 2016: -36.6%FY 2017: -221.9%FY 2018: 228.2%FY 2019: -259.3%FY 2020: 186.5%FY 2021: 542.3%FY 2022: -209.6%FY 2023: 115.9%FY 2024: 168.0%FY 2025: 151.9%
FY 2016 FY 2025
EPS (diluted) 158.7%
FY 2016: -43.3%FY 2017: -194.1%FY 2018: 193.8%FY 2019: -293.3%FY 2020: 179.3%FY 2021: 556.5%FY 2022: -187.4%FY 2023: 111.4%FY 2024: 206.7%FY 2025: 158.7%
FY 2016 FY 2025
Free Cash Flow 1115.3%
FY 2016: -23.0%FY 2017: 54.1%FY 2018: -63.9%FY 2019: -42.1%FY 2020: -2490.4%FY 2021: 148.9%FY 2022: -35.3%FY 2023: -34.7%FY 2024: -26.1%FY 2025: 1115.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.4×FY 2019: 0.7×FY 2020: 0.9×FY 2021: 0.6×FY 2022: 1.1×FY 2023: 1.5×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 11.3×
FY 2016: -1.3×FY 2017: 17.5×FY 2018: -0.1×FY 2019: -20.0×FY 2020: 9.5×FY 2021: -1.0×FY 2022: -15.2×FY 2023: 55.7×FY 2024: 23.8×FY 2025: 11.3×
FY 2016 5y median 11.3× FY 2025
Interest Coverage 0.5×
FY 2016: 0.4×FY 2017: -0.4×FY 2018: 0.4×FY 2019: -0.5×FY 2020: 0.5×FY 2021: 4.1×FY 2022: -2.3×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.5×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 0.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.2%FY 2025: 0.3%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 3.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 5.4%FY 2025: 3.9%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31