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Payment Financial Technologies Ltd (IL:PMNT)
TASE:PMNT
Israel Market
PMNT
Payment Fina
RESEARCH TOOLSreports
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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 ₪0.87. For the 2026 fiscal year, IL:PMNT's free cash flow was decreased by ₪ and operating cash flow was ₪0.38. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.52 1.55 1.60 1.43 1.47
Quick Ratio
 1.52 1.55 1.60 1.43 1.47
Cash Ratio
 0.03 0.05 0.11 0.14 0.29
Solvency Ratio
 0.15 0.16 0.14 0.08 0.08
Operating Cash Flow Ratio
 -0.35 -0.22 0.04 -0.04 -0.07
Short-Term Operating Cash Flow Coverage
 -0.37 -0.24 0.04 -0.04 -0.07
Net Current Asset Value
₪ 70.30M₪ 64.56M₪ 57.03M₪ 51.14M₪ 49.19M
Leverage Ratios
Debt-to-Assets Ratio
 0.59 0.57 0.53 0.64 0.65
Debt-to-Equity Ratio
 1.58 1.50 1.30 1.94 1.88
Debt-to-Capital Ratio
 0.61 0.60 0.57 0.66 0.65
Long-Term Debt-to-Capital Ratio
 0.00 0.02 0.00 0.00 <0.01
Financial Leverage Ratio
 2.67 2.62 2.45 3.03 2.92
Debt Service Coverage Ratio
 0.16 0.18 0.20 0.16 0.10
Interest Coverage Ratio
 0.00 0.00 3.75 0.00 110.14
Debt to Market Cap
 0.62 0.54 0.70 0.76 0.95
Interest Debt Per Share
 3.49 3.18 2.45 3.13 3.01
Net Debt to EBITDA
 4.77 4.35 3.43 4.80 7.05
Profitability Margins
Gross Profit Margin
84.66%86.04%100.00%100.00%88.71%
EBIT Margin
40.56%41.99%52.13%55.16%43.05%
EBITDA Margin
46.00%47.63%52.50%55.48%44.23%
Operating Profit Margin
40.56%41.99%39.99%35.04%35.06%
Pretax Profit Margin
40.56%41.99%39.99%34.45%36.58%
Net Profit Margin
30.62%32.13%30.88%26.73%36.90%
Continuous Operations Profit Margin
30.62%32.13%30.88%26.73%36.90%
Net Income Per EBT
75.49%76.51%77.20%77.59%100.88%
EBT Per EBIT
100.00%100.00%100.00%98.31%104.31%
Return on Assets (ROA)
7.96%8.44%7.98%5.53%5.38%
Return on Equity (ROE)
22.16%22.13%19.52%16.73%15.68%
Return on Capital Employed (ROCE)
26.98%27.06%24.76%21.28%14.71%
Return on Invested Capital (ROIC)
8.17%8.79%8.43%5.74%5.17%
Return on Tangible Assets
8.26%8.73%8.38%5.74%5.52%
Earnings Yield
8.49%8.09%10.68%6.60%8.01%
Efficiency Ratios
Receivables Turnover
 0.29 0.30 0.30 0.25 0.19
Payables Turnover
 10.78 13.40 66.34 39.18 5.99
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 19.65 16.61 34.83 29.23 13.69
Asset Turnover
 0.26 0.26 0.26 0.21 0.15
Working Capital Turnover Ratio
 0.83 0.88 0.77 0.75 0.68
Cash Conversion Cycle
 1.24K 1.21K 1.20K 1.48K 1.85K
Days of Sales Outstanding
 1.27K 1.24K 1.21K 1.49K 1.91K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 33.86 27.24 5.50 9.32 60.95
Operating Cycle
 1.27K 1.24K 1.21K 1.49K 1.91K
Cash Flow Ratios
Operating Cash Flow Per Share
 -1.26 -0.72 0.10 -0.14 -0.21
Free Cash Flow Per Share
 -1.27 -0.74 0.10 -0.14 -0.23
CapEx Per Share
 <0.01 0.02 <0.01 <0.01 0.01
Free Cash Flow to Operating Cash Flow
 1.01 1.02 0.97 1.02 1.05
Dividend Paid and CapEx Coverage Ratio
 -5.33 -2.93 0.55 -0.87 -19.20
Capital Expenditure Coverage Ratio
 -154.83 -48.05 30.55 -45.66 -19.20
Operating Cash Flow Coverage Ratio
 -0.36 -0.23 0.04 -0.04 -0.07
Operating Cash Flow to Sales Ratio
 -0.82 -0.50 0.09 -0.14 -0.32
Free Cash Flow Yield
-23.00%-12.73%3.04%-3.47%-7.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.77 12.36 9.10 15.16 12.49
Price-to-Sales (P/S) Ratio
 3.61 3.97 2.89 4.05 4.61
Price-to-Book (P/B) Ratio
 2.50 2.74 1.83 2.53 1.96
Price-to-Free Cash Flow (P/FCF) Ratio
 -4.35 -7.85 32.90 -28.84 -13.82
Price-to-Operating Cash Flow Ratio
 -4.38 -8.02 31.83 -29.47 -14.54
Price-to-Earnings Growth (PEG) Ratio
 1.27 0.36 0.27 1.89 -0.01
Price-to-Fair Value
 2.50 2.74 1.83 2.53 1.96
Enterprise Value Multiple
 12.61 12.69 8.94 12.10 17.47
Enterprise Value
 349.68M 342.23M 202.00M 258.65M 184.45M
EV to EBITDA
 12.61 12.69 8.94 12.10 17.47
EV to Sales
 5.80 6.04 4.69 6.71 7.73
EV to Free Cash Flow
 -6.99 -11.95 53.41 -47.79 -23.17
EV to Operating Cash Flow
 -7.04 -12.20 51.66 -48.84 -24.38
Tangible Book Value Per Share
 2.00 1.93 1.58 1.43 1.47
Shareholders’ Equity Per Share
 2.21 2.12 1.79 1.61 1.59
Tax and Other Ratios
Effective Tax Rate
 0.25 0.23 0.23 0.22 >-0.01
Revenue Per Share
 1.53 1.46 1.13 1.01 0.68
Net Income Per Share
 0.47 0.47 0.35 0.27 0.25
Tax Burden
 0.75 0.77 0.77 0.78 1.01
Interest Burden
 1.00 1.00 0.77 0.62 0.85
Research & Development to Revenue
 0.15 0.12 0.15 0.15 0.14
SG&A to Revenue
 0.29 0.32 0.32 0.12 0.15
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 0.02 0.04
Income Quality
 -2.69 -1.54 0.29 -0.51 -0.86
Currency in ILS