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Ponce Financial Group Inc (PDLB) Ratios
Ponce Financial Group Inc Ratios
PDLB's free cash flow for Q2 2026 was $8.04M. For the 2026 fiscal year, PDLB's free cash flow was decreased by $-3.00K and operating cash flow was $8.04M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.12 | 0.14 | 0.18 | 0.16 | 0.23 |
| Quick Ratio | 0.12 | 0.14 | 0.18 | 0.16 | 0.23 |
| Cash Ratio | 0.06 | 0.07 | 0.09 | 0.04 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.00 | -0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.03 | 0.00 | 0.00 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 1.23 |
| Net Current Asset Value | $ -2.45B | $ -2.27B | $ -1.98B | $ -1.62B | $ -1.18B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.19 | 0.21 | 0.26 | 0.24 | 0.07 |
| Debt-to-Equity Ratio | 1.15 | 1.24 | 1.46 | 1.12 | 0.64 |
| Debt-to-Capital Ratio | 0.54 | 0.55 | 0.59 | 0.53 | 0.39 |
| Long-Term Debt-to-Capital Ratio | 0.52 | 0.54 | 0.58 | 0.51 | 0.36 |
| Financial Leverage Ratio | 5.95 | 6.01 | 5.60 | 4.69 | 8.74 |
| Debt Service Coverage Ratio | 0.40 | 0.18 | 0.13 | -1.59 | 1.19 |
| Interest Coverage Ratio | 0.46 | 0.18 | 0.10 | -2.28 | 4.07 |
| Debt to Market Cap | 1.60 | 2.04 | 3.08 | 2.45 | 0.50 |
| Interest Debt Per Share | 31.14 | 31.78 | 34.19 | 25.03 | 7.74 |
| Net Debt to EBITDA | 11.26 | 23.83 | 55.66 | -15.23 | -0.97 |
| Profitability Margins | |||||
| Gross Profit Margin | 54.50% | 47.70% | 54.21% | 53.86% | 85.86% |
| EBIT Margin | 20.33% | 9.38% | 4.35% | -42.29% | 43.34% |
| EBITDA Margin | 22.81% | 12.21% | 7.72% | -37.40% | 46.53% |
| Operating Profit Margin | 20.33% | 9.38% | 4.35% | -42.29% | 43.34% |
| Pretax Profit Margin | 19.78% | 9.38% | 4.35% | -42.29% | 43.34% |
| Net Profit Margin | 14.77% | 6.56% | 2.49% | -34.44% | 32.76% |
| Continuous Operations Profit Margin | 14.77% | 6.56% | 2.49% | -34.44% | 32.76% |
| Net Income Per EBT | 74.69% | 69.95% | 57.27% | 81.42% | 75.59% |
| EBT Per EBIT | 97.27% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.89% | 0.36% | 0.12% | -1.30% | 1.54% |
| Return on Equity (ROE) | 5.30% | 2.17% | 0.68% | -6.09% | 13.43% |
| Return on Capital Employed (ROCE) | 3.37% | 1.36% | 0.48% | -3.48% | 7.76% |
| Return on Invested Capital (ROIC) | 2.51% | 0.95% | 0.27% | -2.84% | 5.67% |
| Return on Tangible Assets | 0.89% | 0.36% | 0.12% | -1.30% | 1.54% |
| Earnings Yield | 7.69% | 3.76% | 1.51% | -14.19% | 10.47% |
| Efficiency Ratios | |||||
| Receivables Turnover | 10.85 | 9.41 | 7.47 | 5.79 | 6.28 |
| Payables Turnover | 23.34 | 23.57 | 5.15 | 28.92 | 48.11 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.50 | 3.65 | 2.84 | 1.71 | 3.95 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 |
| Working Capital Turnover Ratio | -0.11 | -0.12 | -0.12 | -0.09 | -0.08 |
| Cash Conversion Cycle | 18.00 | 23.29 | -22.04 | 50.43 | 50.58 |
| Days of Sales Outstanding | 33.63 | 38.77 | 48.89 | 63.05 | 58.16 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 15.64 | 15.49 | 70.93 | 12.62 | 7.59 |
| Operating Cycle | 33.63 | 38.77 | 48.89 | 63.05 | 58.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.43 | 0.32 | 0.29 | 0.43 | 1.11 |
| Free Cash Flow Per Share | 2.39 | 0.20 | 0.27 | 0.41 | 0.86 |
| Dividend Paid and CapEx Coverage Ratio | 26.44 | 2.18 | 15.80 | 19.92 | 4.45 |
| Capital Expenditure Coverage Ratio | 56.84 | 2.65 | 15.80 | 19.92 | 4.45 |
| Operating Cash Flow Coverage Ratio | 0.09 | 0.01 | 0.01 | 0.02 | 0.15 |
| Operating Cash Flow to Sales Ratio | 0.29 | 0.04 | 0.05 | 0.11 | 0.24 |
| Free Cash Flow Yield | 14.63% | 1.54% | 2.74% | 4.40% | 5.92% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.51 | 28.26 | 66.23 | -7.05 | 9.55 |
| Price-to-Sales (P/S) Ratio | 1.92 | 1.74 | 1.65 | 2.43 | 3.13 |
| Price-to-Book (P/B) Ratio | 0.69 | 0.58 | 0.45 | 0.43 | 1.28 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.84 | 64.90 | 36.50 | 22.72 | 16.88 |
| Price-to-Operating Cash Flow Ratio | 6.72 | 40.44 | 34.19 | 21.58 | 13.09 |
| Price-to-Earnings Growth (PEG) Ratio | 0.08 | 0.14 | -0.59 | 0.04 | 0.02 |
| Enterprise Value Multiple | 19.68 | 38.11 | 77.05 | -21.72 | 5.76 |
| Enterprise Value | 872.44M | 778.36M | 799.66M | 707.53M | 207.76M |
| EV to EBITDA | 19.68 | 38.11 | 77.05 | -21.72 | 5.76 |
| EV to Sales | 4.49 | 4.65 | 5.95 | 8.12 | 2.68 |
| EV to Free Cash Flow | 15.97 | 173.20 | 131.48 | 76.02 | 14.45 |
| EV to Operating Cash Flow | 15.69 | 107.93 | 123.16 | 72.20 | 11.20 |
| Tangible Book Value Per Share | 23.71 | 22.53 | 21.60 | 21.71 | 11.30 |
| Shareholders’ Equity Per Share | 23.71 | 22.53 | 21.60 | 21.71 | 11.30 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.30 | 0.43 | 0.19 | 0.24 |
| Revenue Per Share | 8.51 | 7.46 | 5.91 | 3.84 | 4.63 |
| Net Income Per Share | 1.26 | 0.49 | 0.15 | -1.32 | 1.52 |
| Tax Burden | 0.75 | 0.70 | 0.57 | 0.81 | 0.76 |
| Interest Burden | 0.97 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.21 | 0.21 | 0.25 | 0.34 | 0.32 |
| Stock-Based Compensation to Revenue | 0.02 | 0.02 | 0.02 | 0.03 | 0.04 |
| Income Quality | 1.94 | 0.66 | 1.94 | -0.33 | 0.73 |
Currency in USD
