Payment Fina (PMNT) AI Stock Analysis

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Payment Fina

(TASE:PMNT)

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Rating:51Neutral

Price Target:ILA 317.00▼(-7.39% Downside)

Action:reiterated

Date:10/30/26

The overall score is weighed down by a severe disconnect between reported profits and actual cash generation, which is a critical risk, and a deeply bearish technical trend. While the low P/E ratio and high dividend yield are superficially attractive, the negative cash flow raises serious concerns about the sustainability of the business model and shareholder returns, making the stock a high-risk proposition despite its growth narrative.

Positive Factors

Accelerating revenue growthThe sharp acceleration in revenue growth indicates strengthening demand or increased business activity and gives the company a larger base from which to build future earnings. If sustained, this expansion can support operating leverage, broaden market reach, and reinforce the company’s competitive position over the next several quarters.

Negative Factors

Deeply negative free cash flowDeeply negative operating and free cash flow show that reported earnings are not currently translating into cash generation. This can increase reliance on financing and reduce the funds available for investment, debt service, or shareholder distributions, making liquidity and funding needs important constraints on the company’s durable growth.

Payment Fina (PMNT) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 134.63M
Dividend Yield: 6.70%
Average Volume (3M): 79.98K
Price to Earnings (P/E): 7.0
Beta (1Y): 0.98
Revenue Growth: 22.04%
EPS Growth: 9.32%
Country: Israel
Employees: 52
Sector: General
Sector Strength: 55
Industry: Software - Infrastructure

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 situa...

Payment Fina Financial Statement Overview

Summary

Financial performance is mixed. The income statement is strong with 137% revenue growth and 31% net margins, but the balance sheet is strained with a 1.58x debt-to-equity ratio, and cash flow is deeply negative at -$49.7M. The inability to convert profits to cash is a major red flag, dragging the overall financial health score down significantly.

Income Statement

78Positive

Balance Sheet

45Neutral

Cash Flow

15Very Negative

Financial statement breakdown
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	24.58M	22.20M	11.07M	-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

Technical Analysis SentimentNegative

Last Price342.30

Price Trends

50DMA444.29Negative

100DMA506.40Negative

200DMA601.20Negative

Market Momentum

MACD-39.33Negative

RSI42.81Neutral

STOCH56.78Neutral

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 342.30 is below the 20-day moving average (MA) of 344.48, below the 50-day MA of 444.29, and below the 200-day MA of 601.20, indicating a bearish trend. The MACD of -39.33 indicates Negative momentum. The RSI at 42.81 is Neutral, neither overbought nor oversold. The STOCH value of 56.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:PMNT.

Payment Fina Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:PMNT against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:SHVA	74Outperform	ILS 789.38M	20.68	―	7.86%	1.16%	-26.18%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IL:PMNT	51Neutral	ILS 129.79M	7.02	―	6.70%	22.04%	9.32%

* General Sector Average

Performance Comparison

IL:PMNT and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:PMNT	Payment Financial Technologies Ltd	342.30	-189.19	-35.60%
IL:GPAY.M	Global Pay-M	147.50	-67.80	-31.49%
IL:SHVA	Automatic Bank Services Ltd.	1908.00	-125.39	-6.17%

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.

Date of analysis: Oct 30, 2026

Payment Fina AI Stock Analysis