Ponce Financial Group, Inc.

PDLB

PDLBPonce Financial Group, Inc. US flag

NASDAQ Global Market

18.85

USD

+0.35

- -

455.94MMarket Cap

Income Statement (USD)

API Chat

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	30	29	35	39	40	50	69	71	74	81	108
+ Sales & Services Revenue	30	29	35	39	40	50	69	71	74	81	108
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-4	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	15	16	18	19	20	23	25	30	34	34	35
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-15	-16	-18	-19	-20	-23	-25	-30	-34	-34	-35
Operating Income (Loss)	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	3	-4	6	-5	-34	37	-6	-16	-38
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	3	-4	6	-5	-34	37	-6	-16	-38
Pretax Income	4	2	-3	4	-6	5	34	-37	6	16	38
- Income Tax Expense (Benefit)	1	1	1	1	-1	1	8	-7	3	5	10
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	3	1	-4	3	-5	4	25	-30	3	11	29
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	3	1	-4	3	-5	4	25	-30	3	11	29
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	3	1	-4	3	-5	4	25	-30	3	11	29
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	1	-4	3	-5	4	25	-30	3	10	28
EBIT	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	6	4	2	2	2	3	2	4	5	5	5
EBITDA Margin (%)	19.52	14.43	4.71	4.63	5.54	5.08	3.57	6.01	6.13	5.84	4.45
EBITA	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	12.92	8.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	8.48	4.85	-12.69	6.9	-12.77	7.77	36.66	-42.27	4.54	13.52	26.5
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.03	0.05
Depreciation Expense	2	2	2	2	2	3	2	4	5	5	5
Basic Weighted Avg Shares	8	8	18	18	17	17	17	23	23	22	23
Basic EPS, GAAP	0.3	0.17	-0.24	0.15	-0.29	0.23	1.52	-1.32	0.15	0.46	1.21
Basic EPS from Cont Ops	0.3	0.17	-0.24	0.15	-0.29	0.23	1.52	-1.32	0.15	0.49	1.26
Diluted Weighted Avg Shares	8	8	18	18	17	17	17	23	23	23	23
Diluted EPS, GAAP	0.3	0.17	-0.24	0.15	-0.29	0.23	1.51	-1.32	0.15	0.46	1.2
Diluted EPS from Cont Ops	0.3	0.17	-0.24	0.15	-0.29	0.23	1.51	-1.32	0.15	0.49	1.24

Balance Sheet (USD)

API Chat

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	95	64	89	97	49	92	270	185	259	245	219
+ Cash & Cash Equivalents	13	12	60	70	28	75	156	56	139	140	126
+ ST Investments	82	53	29	27	22	17	113	130	120	105	92
+ Accounts & Notes Receiv	3	3	3	4	4	11	12	15	18	18	18
+ Accounts Receivable, Net	3	3	3	4	4	11	12	15	18	18	18
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-97	-67	-92	-101	-53	-104	-282	-200	-277	-263	-237
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	27	26	27	31	33	32	20	51	47	46	43
+ Property, Plant & Equip	45	43	46	52	55	56	31	63	62	61	60
- Accumulated Depreciation	18	17	19	20	23	24	12	13	14	15	17
+ LT Investments & Receivables	82	53	29	27	22	19	114	640	582	473	365
+ LT Investments	82	53	29	27	22	19	114	640	582	473	365
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-109	-79	-56	-58	-54	-51	-134	-691	-629	-519	-408
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-109	-79	-56	-58	-54	-51	-134	-691	-629	-519	-408
Total Assets	703	745	926	1,060	1,054	1,355	1,654	2,312	2,751	3,040	3,224
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	1	12	4	4
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	1	12	4	4
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	3	20	25	11	119	15	- -	- -	- -	- -
+ ST Borrowings	- -	3	20	25	11	119	15	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-3	-20	-25	-11	-119	-15	-1	-12	-4	-4
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-3	-20	-25	-11	-119	-15	-1	-12	-4	-4
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	8	3	16	44	93	30	106	552	717	627	625
+ LT Borrowings	8	3	16	44	93	30	106	517	684	596	596
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	35	33	31	29
+ Other LT Liabilities	-8	-3	-16	-44	-93	-30	-106	-552	-717	-627	-625
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-8	-3	-16	-44	-93	-30	-106	-552	-717	-627	-625
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	612	652	761	891	895	1,196	1,464	1,819	2,259	2,534	2,682
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	225	225	225	225
+ Share Capital & APIC	- -	- -	85	85	85	85	86	207	207	208	209
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	84	85	85	85	86	207	207	207	209
- Treasury Stock	- -	- -	- -	- -	14	18	14	- -	10	8	6
+ Retained Earnings	98	99	95	99	94	98	123	93	97	108	135
+ Other Equity	- -	-6	-8	-8	- -	- -	-1	-18	-16	-15	-11
Equity Before Minority Interest	91	93	165	169	158	160	189	493	491	506	542
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	91	93	165	169	158	160	189	493	491	506	542
Total Liabilities & Equity	703	745	926	1,060	1,054	1,355	1,654	2,312	2,751	3,040	3,224
Shares Outstanding	8	8	18	18	17	17	17	25	22	23	23
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	35	33	31	29
Net Debt	-5	-6	-23	- -	77	74	-35	462	545	456	470
Net Debt to Equity	-5.15	-6.15	-14.15	-0.22	48.44	46.31	-18.51	93.67	110.91	90.21	86.73
Tangible Common Equity Ratio	12.93	12.48	17.8	15.96	15.03	11.77	11.45	11.58	9.68	9.23	9.82
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	3	1	-4	3	-5	4	25	-30	3	11	29
+ Depreciation & Amortization	2	2	2	2	2	3	2	4	5	5	5
+ Non-Cash Items	2	- -	9	2	10	-1	-14	38	3	6	6
+ Stock-Based Compensation	- -	- -	1	1	2	2	3	3	3	4	4
+ Deferred Income Taxes	1	- -	- -	- -	-2	-1	1	-8	1	2	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	18	-1	- -	- -
+ Other Non-Cash Adj	- -	- -	8	1	10	-2	-18	25	- -	- -	3
+ Chg in Non-Cash Work Cap	-1	1	3	2	-2	-33	4	-2	-4	-14	16
+ (Inc) Dec in Accts Receiv	- -	- -	-1	- -	- -	-7	-1	-3	-3	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	1	11	-8	- -
+ Inc (Dec) in Other	-1	1	3	2	-2	-26	5	- -	-12	-6	16
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	5	4	9	8	5	-28	19	10	6	7	56
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	5	38	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	5	38	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-3	-6	-4	-2	-4	- -	- -	-3	-1
+ Acq of Fixed Prod Assets	- -	-1	-3	-6	-4	-2	-4	- -	- -	-3	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	78	- -	-16	-5	3	- -	-11	- -	- -
+ Increase in Capital Stock	- -	- -	78	- -	- -	- -	5	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-16	-5	-2	- -	-11	- -	- -
+ Net Change in LT Investment	19	30	24	2	6	2	-97	-547	61	109	103
+ Dec in LT Investment	19	56	24	7	40	18	13	40	61	109	113
+ Inc in LT Investment	- -	-26	- -	-5	-34	-15	-110	-587	- -	- -	-11
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-25	-73	-157	-123	-40	-209	-148	-230	-393	-402	-321
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-6	-44	-136	-127	-39	-205	-211	-777	-333	-295	-220
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1
+ Net Cash From Debt	-2	-5	33	33	35	-125	-14	396	167	-88	- -
+ Cash From Debt	1,989	280	646	271	699	34	12	411	167	- -	- -
+ Repayments of Debt	-1,991	-285	-613	-238	-664	-159	-26	-15	- -	-88	- -
+ Other Financing Activities	- -	44	64	96	-28	407	286	272	255	377	152
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-2	39	175	129	-8	277	274	668	411	288	150
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-3	-1	48	10	-42	44	82	-100	85	1	-14
EBITDA	6	4	2	2	2	3	2	4	5	5	5
EBITDA Margin (%)	19.52	14.43	4.71	4.63	5.54	5.08	3.57	6.01	6.13	5.84	4.45
Free Cash Flow	5	4	6	2	1	-29	14	9	6	4	55
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
Free Cash Flow to Firm	5	4	- -	2	- -	-29	14	- -	6	4	55
Free Cash Flow to Equity	- -	-1	39	35	36	-150	38	630	173	-84	53
Free Cash Flow per Basic Share	0.6	0.46	0.32	0.12	0.07	-1.76	0.86	0.41	0.27	0.2	2.4
Price/Free Cash Flow	- -	- -	17.6	11.94	20.73	-4.91	7.68	20.55	32.26	29.52	6.66
Cash Flow to Net Income	2.08	3.05	-1.97	2.95	-0.98	-7.14	0.73	-0.33	1.94	0.66	1.94
Capital Expenditures	- -	-1	-3	-6	-4	-2	-4	- -	- -	-3	-1