Payment Fina(IL:PMNT)
ILAÂ 330.00+15.80 (+5.03%)
IL:PMNT
Payment Fina financials statements
ILAÂ 330.00
At close:+15.80 (+5.03%)
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Payment Fina (PMNT) Ratios
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Payment Fina Ratios
IL:PMNT's free cash flow for Q2 2026 was ₪-39.86M. For the 2026 fiscal year, IL:PMNT's free cash flow was decreased by ₪-13.00K and operating cash flow was ₪-39.84M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.55 | 1.60 | 1.43 | 1.47 | 3.12 |
| Quick Ratio | 1.55 | 1.60 | 1.43 | 1.47 | 3.12 |
| Cash Ratio | 0.05 | 0.11 | 0.14 | 0.29 | 2.15 |
| Solvency Ratio | 0.16 | 0.14 | 0.08 | 0.08 | -0.04 |
| Operating Cash Flow Ratio | -0.22 | 0.04 | -0.04 | -0.07 | -0.11 |
| Short-Term Operating Cash Flow Coverage | -0.24 | 0.04 | -0.04 | -0.07 | -0.14 |
| Net Current Asset Value | ₪ 64.56M | ₪ 57.03M | ₪ 51.14M | ₪ 49.19M | ₪ 19.52M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.57 | 0.53 | 0.64 | 0.65 | 0.28 |
| Debt-to-Equity Ratio | 1.50 | 1.30 | 1.94 | 1.88 | 0.41 |
| Debt-to-Capital Ratio | 0.60 | 0.57 | 0.66 | 0.65 | 0.29 |
| Long-Term Debt-to-Capital Ratio | 0.02 | 0.00 | 0.00 | 0.00 | 0.04 |
| Financial Leverage Ratio | 2.62 | 2.45 | 3.03 | 2.92 | 1.49 |
| Debt Service Coverage Ratio | 0.18 | 0.20 | 0.16 | 0.10 | -0.01 |
| Interest Coverage Ratio | 0.00 | 3.75 | 0.00 | 110.14 | 30.29 |
| Debt to Market Cap | 0.54 | 0.70 | 0.76 | 0.95 | 0.05 |
| Interest Debt Per Share | 3.18 | 2.45 | 3.13 | 3.01 | 0.38 |
| Net Debt to EBITDA | 4.35 | 3.43 | 4.80 | 7.05 | 142.18 |
| Profitability Margins | |||||
| Gross Profit Margin | 86.04% | 100.00% | 100.00% | 88.71% | 94.51% |
| EBIT Margin | 41.99% | 52.13% | 55.16% | 43.05% | -4.98% |
| EBITDA Margin | 47.63% | 52.50% | 55.48% | 44.23% | -1.06% |
| Operating Profit Margin | 41.99% | 39.99% | 35.04% | 35.06% | 18.90% |
| Pretax Profit Margin | 41.99% | 39.99% | 34.45% | 36.58% | -9.80% |
| Net Profit Margin | 32.13% | 30.88% | 26.73% | 36.90% | -9.80% |
| Continuous Operations Profit Margin | 32.13% | 30.88% | 26.73% | 36.90% | -9.80% |
| Net Income Per EBT | 76.51% | 77.20% | 77.59% | 100.88% | 100.00% |
| EBT Per EBIT | 100.00% | 100.00% | 98.31% | 104.31% | -51.82% |
| Return on Assets (ROA) | 8.44% | 7.98% | 5.53% | 5.38% | -2.33% |
| Return on Equity (ROE) | 22.13% | 19.52% | 16.73% | 15.68% | -3.47% |
| Return on Capital Employed (ROCE) | 27.06% | 24.76% | 21.28% | 14.71% | 6.39% |
| Return on Invested Capital (ROIC) | 8.79% | 8.43% | 5.74% | 5.17% | 4.74% |
| Return on Tangible Assets | 8.73% | 8.38% | 5.74% | 5.52% | -2.49% |
| Earnings Yield | 8.09% | 10.68% | 6.60% | 8.01% | -0.47% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.30 | 0.30 | 0.25 | 0.19 | 0.86 |
| Payables Turnover | 13.40 | 66.34 | 39.18 | 5.99 | 0.68 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 16.61 | 34.83 | 29.23 | 13.69 | 13.77 |
| Asset Turnover | 0.26 | 0.26 | 0.21 | 0.15 | 0.24 |
| Working Capital Turnover Ratio | 0.88 | 0.77 | 0.75 | 0.68 | 0.76 |
| Cash Conversion Cycle | 1209.72 | 1199.54 | 1480.19 | 1852.96 | -111.29 |
| Days of Sales Outstanding | 1236.96 | 1205.04 | 1489.50 | 1913.90 | 426.47 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 27.24 | 5.50 | 9.32 | 60.95 | 537.76 |
| Operating Cycle | 1236.96 | 1205.04 | 1489.50 | 1913.90 | 426.47 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -0.72 | 0.10 | -0.14 | -0.21 | -0.05 |
| Free Cash Flow Per Share | -0.74 | 0.10 | -0.14 | -0.23 | -0.05 |
| Dividend Paid and CapEx Coverage Ratio | -2.93 | 0.55 | -0.87 | -19.20 | -17.33 |
| Capital Expenditure Coverage Ratio | -48.05 | 30.55 | -45.66 | -19.20 | -17.33 |
| Operating Cash Flow Coverage Ratio | -0.23 | 0.04 | -0.04 | -0.07 | -0.12 |
| Operating Cash Flow to Sales Ratio | -0.50 | 0.09 | -0.14 | -0.32 | -0.14 |
| Free Cash Flow Yield | -12.73% | 3.04% | -3.47% | -7.23% | -0.72% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.36 | 9.10 | 15.16 | 12.49 | -210.82 |
| Price-to-Sales (P/S) Ratio | 3.97 | 2.89 | 4.05 | 4.61 | 20.65 |
| Price-to-Book (P/B) Ratio | 2.74 | 1.83 | 2.53 | 1.96 | 7.31 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -7.85 | 32.90 | -28.84 | -13.82 | -138.21 |
| Price-to-Operating Cash Flow Ratio | -8.02 | 31.83 | -29.47 | -14.54 | -146.18 |
| Price-to-Earnings Growth (PEG) Ratio | 0.36 | 0.27 | 1.89 | -0.01 | 0.50 |
| Enterprise Value Multiple | 12.69 | 8.94 | 12.10 | 17.47 | -1811.04 |
| Enterprise Value | 342.23M | 202.00M | 258.65M | 184.45M | 150.32M |
| EV to EBITDA | 12.69 | 8.94 | 12.10 | 17.47 | -1811.04 |
| EV to Sales | 6.04 | 4.69 | 6.71 | 7.73 | 19.15 |
| EV to Free Cash Flow | -11.95 | 53.41 | -47.79 | -23.17 | -128.15 |
| EV to Operating Cash Flow | -12.20 | 51.66 | -48.84 | -24.38 | -135.54 |
| Tangible Book Value Per Share | 1.93 | 1.58 | 1.43 | 1.47 | 0.82 |
| Shareholders’ Equity Per Share | 2.12 | 1.79 | 1.61 | 1.59 | 0.91 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.23 | 0.22 | -0.01 | 0.00 |
| Revenue Per Share | 1.46 | 1.13 | 1.01 | 0.68 | 0.32 |
| Net Income Per Share | 0.47 | 0.35 | 0.27 | 0.25 | -0.03 |
| Tax Burden | 0.77 | 0.77 | 0.78 | 1.01 | 1.00 |
| Interest Burden | 1.00 | 0.77 | 0.62 | 0.85 | 1.97 |
| Research & Development to Revenue | 0.12 | 0.15 | 0.15 | 0.14 | 0.29 |
| SG&A to Revenue | 0.32 | 0.32 | 0.12 | 0.15 | 0.15 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.02 | 0.04 | 0.27 |
| Income Quality | -1.54 | 0.29 | -0.51 | -0.86 | 1.44 |
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