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Payment Fina
(TASE:PMNT)
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Rating:59Neutral
Price Target:
573.00
▲(7.22% Upside)
Action:Reiterated
Date:08/24/26
The score is held back primarily by weak cash generation (deeply negative TTM operating/free cash flow) alongside rising leverage, despite strong reported profitability and rapid TTM revenue growth. Technicals are bearish (price below key moving averages with negative MACD), while valuation is a relative positive with a low P/E and solid dividend yield.
Positive Factors
Accelerating revenue growth
Rapidly accelerating revenue indicates strong demand and expanding business activity. Sustained top-line growth can improve operating leverage and support investment capacity, although execution and cash conversion remain important as the company scales.
Negative Factors
Deeply negative cash generation
Deeply negative operating and free cash flow show that reported profits are not currently converting into liquidity. Persistent cash consumption can increase dependence on external funding, constrain investment flexibility, and elevate liquidity risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue growth
Rapidly accelerating revenue indicates strong demand and expanding business activity. Sustained top-line growth can improve operating leverage and support investment capacity, although execution and cash conversion remain important as the company scales.
Read all positive factors
Payment Fina (PMNT) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪211.06M
Dividend Yield4.29%
Average Volume (3M)14.31K
Price to Earnings (P/E)11.4
Beta (1Y)0.73
Revenue Growth22.04%
EPS Growth9.32%
CountryIL
Employees52
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding39,296,284
10 Day Avg. Volume22,833
30 Day Avg. Volume14,311
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)2.74
Price to Sales (P/S)3.97
P/FCF Ratio-7.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Payment Fina Business Overview & Revenue Model
Company Description
Payment Financial Technologies Ltd., an Israeli firm, manages a proprietary payment platform. This system facilitates the distribution of retail credit to consumers through various businesses. Established in 2014, the company's headquarters are si...
Payment Fina Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
58
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.30M | 56.62M | 43.05M | 38.52M | 23.87M | 7.85M |
| Gross Profit | 51.05M | 48.71M | 43.05M | 38.52M | 21.18M | 7.42M |
| EBITDA | 27.74M | 26.97M | 22.60M | 21.37M | 10.56M | -83.00K |
| Net Income | 18.47M | 18.19M | 13.29M | 10.30M | 8.81M | -769.00K |
Balance Sheet | ||||||
| Total Assets | 231.94M | 215.58M | 166.56M | 186.34M | 163.88M | 32.94M |
| Cash, Cash Equivalents and Short-Term Investments | 4.88M | 5.94M | 10.92M | 16.92M | 31.41M | 20.95M |
| Total Debt | 137.09M | 123.22M | 88.48M | 119.50M | 105.82M | 9.14M |
| Total Liabilities | 145.03M | 133.38M | 98.48M | 124.77M | 107.69M | 10.78M |
| Stockholders Equity | 86.91M | 82.20M | 68.08M | 61.57M | 56.19M | 22.16M |
Cash Flow | ||||||
| Free Cash Flow | -50.02M | -28.64M | 3.78M | -5.41M | -7.96M | -1.17M |
| Operating Cash Flow | -49.70M | -28.06M | 3.91M | -5.30M | -7.57M | -1.11M |
| Investing Cash Flow | -2.75M | -1.75M | -2.34M | -2.90M | -2.72M | -804.00K |
| Financing Cash Flow | 52.74M | 24.83M | -7.57M | -6.29M | 23.27M | 19.55M |
Payment Fina Technical Analysis
Negative
534.40
Price Trends
576.13
Negative
638.98
Negative
634.59
Negative
Market Momentum
-11.97
Positive
36.36
Neutral
16.87
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PMNT, the sentiment is Negative. The current price of 534.4 is below the 20-day moving average (MA) of 563.67, below the 50-day MA of 576.13, and below the 200-day MA of 634.59, indicating a bearish trend. The MACD of -11.97 indicates Positive momentum. The RSI at 36.36 is Neutral, neither overbought nor oversold. The STOCH value of 16.87 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:PMNT.
Payment Fina Peers Comparison
UnderperformOutperform
Sector (55)
IL:PMNT
Payment Fina
524.40
81.10
18.30%
IL:GPAY.M
Global Pay-M
100.00
-1.60
-1.57%
IL:SHVA
Auto Bank Serv
2,220.00
230.93
11.61%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.