Ponce Financial Group, Inc. Financial Ratios — PDLB Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	1.55	-3.4	1.6	-3.13	2.42	14.57	-13.13	1.26	3.78	9.24
Return on Assets (%)	- -	0.2	-0.53	0.27	-0.48	0.32	1.69	-1.51	0.13	0.38	0.92
Return on Capital (%)	- -	1.44	- -	1.22	- -	1.35	8.21	- -	0.3	0.94	2.5
Return on Invested Capital (%)	- -	1.44	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	19.52	14.43	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	12.92	8.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	466.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.92	8.27	-8.57	9.78	-15.08	9.74	37.53	-52.24	7.92	19.33	35.48
Profit Margin (%)	8.48	4.85	-12.69	6.9	-12.77	7.17	28.37	-42.53	4.54	13.52	26.5
Net Income to Common Margin (%)	8.48	4.85	-12.69	6.9	-12.77	7.17	28.37	-42.53	4.54	12.74	25.46
Effective Tax Rate (%)	34.31	41.36	- -	29.52	- -	26.4	24.41	- -	42.73	30.05	25.31
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.48	- -
Sustainable Growth Rate (%)	- -	1.55	-3.4	1.6	-3.13	2.42	14.57	-13.13	1.26	3.8	9.24

Credit (USD)

Credit Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	8	6	36	69	104	149	121	552	717	627	625
ST Debt	- -	3	20	25	11	119	15	- -	- -	- -	- -
LT Debt	8	3	16	44	93	30	106	552	717	627	625
Total Debt/EBITDA	1.38	1.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.81	-1.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	2.09	2.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.22	-2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.95	12.48	17.8	15.96	15.03	11.77	11.45	11.58	9.68	9.23	9.82
Long-Term Debt/Equity (%)	8.79	3.23	9.95	26.25	58.95	18.71	56.14	112.02	145.93	124	115.49
Long-Term Debt/Capital (%)	8.08	3.03	8.15	18.61	35.53	9.69	34.21	52.83	59.34	55.36	53.59
Long-Term Debt/Total Assets (%)	1.14	0.4	1.77	4.19	8.86	2.2	6.43	23.87	26.07	20.62	19.4
Total Debt/Equity (%)	8.79	6.45	22.09	41.03	65.91	93.2	64.12	112.02	145.93	124	115.49
Total Debt/Capital (%)	8.08	6.06	18.09	29.09	39.73	48.24	39.07	52.83	59.34	55.36	53.59
Total Debt/Total Assets (%)	1.14	0.81	3.93	6.55	9.91	10.97	7.34	23.87	26.07	20.62	19.4
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
Net Debt/Capital (%)	-5.43	-6.55	-16.49	-0.22	32.63	31.65	-22.72	46.68	50.98	45.96	45.14
EBITDA	6	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	6	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.95	12.48	17.8	15.96	15.03	11.77	11.45	11.58	9.68	9.23	9.82
Long-Term Debt/Equity (%)	8.79	3.23	9.95	26.25	58.95	18.71	56.14	112.02	145.93	124	115.49
Long-Term Debt/Capital (%)	8.08	3.03	8.15	18.61	35.53	9.69	34.21	52.83	59.34	55.36	53.59
Long-Term Debt/Total Assets (%)	1.14	0.4	1.77	4.19	8.86	2.2	6.43	23.87	26.07	20.62	19.4
Total Debt/Equity (%)	8.79	6.45	22.09	41.03	65.91	93.2	64.12	112.02	145.93	124	115.49
Total Debt/Capital (%)	8.08	6.06	18.09	29.09	39.73	48.24	39.07	52.83	59.34	55.36	53.59
Total Debt/Total Assets (%)	1.14	0.81	3.93	6.55	9.91	10.97	7.34	23.87	26.07	20.62	19.4
CFO/Total Liabilities	0.85	0.67	1.14	0.89	0.56	-2.3	1.27	0.54	0.29	0.28	2.07
CFO/CapEx	18.95	8.19	3.12	1.37	1.32	-14.46	4.45	19.92	15.8	2.65	56.84
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	10.93	11.44	10.89	10.32	6.99	7.54	5.15	4.47	4.54	6.07
Days Sales Outstanding	- -	33.39	31.9	33.52	35.37	52.19	48.39	70.92	81.68	80.48	60.11
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	201	169	184	129	181	232	218	295	376
- Cash & Cash Equivalents	13	12	60	70	28	75	156	56	139	140	126
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	225	225	225	225
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	8	6	36	69	104	149	121	552	717	627	625
Enterprise Value	- -	- -	149	141	239	185	33	823	901	901	1,007
Total Capital	99	99	201	239	263	308	311	1,045	1,209	1,132	1,167
Total Debt/Capital (%)	8.08	6.06	18.09	29.09	39.73	48.24	39.07	52.83	59.34	55.36	53.59
Total Debt / EV	- -	- -	0.24	0.49	0.44	0.8	3.71	0.67	0.8	0.7	0.62
EV/Sales	- -	- -	4.3	3.63	5.96	3.45	0.37	11.67	12.2	11.11	9.3
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	17.89	- -	- -	1.76	- -	138.75	124.97	18.12
EV/Free Cash Flow to Firm	- -	- -	- -	66.42	- -	- -	2.28	- -	148.13	200.56	18.44
Diluted Market Cap	- -	- -	201	163	184	126	175	211	223	293	377
Diluted Enterprise Value	- -	- -	149	135	239	182	26	803	906	900	1,009
EV per Share	- -	- -	8.05	7.64	13.7	10.83	1.88	33.12	40.31	39.78	43.86
TTM Sales	30	29	35	39	40	54	90	71	74	81	108
TTM EBITDA	6	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	4	- -	8	- -	-27	19	- -	6	7	56
TTM Free Cash Flow to Firm	5	4	- -	2	- -	-29	14	- -	6	4	55

Multiples (USD)

Valuation Multiples API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	34.18	76.72	149.32	-4.27	12.13	22.72	36.62	65.24	6.9
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	149	141	239	185	33	823	901	901	1,007
Low Price	- -	- -	10.39	8.97	8.9	5.24	6.73	9.04	6.51	7.89	10.88
EV/Sales	- -	- -	4.3	3.63	5.96	3.45	0.37	11.67	12.2	11.11	9.3
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	60.88	- -	32.6	6.85	- -	66.23	28.22	13.49
Price/Earnings Average	- -	- -	- -	70.18	- -	32.43	6.05	- -	57.79	21.92	11.53
Price/Earnings High	- -	- -	- -	77.55	- -	45.78	7.44	- -	69.15	29.16	14.85
Price/Earnings Low	- -	- -	- -	59.78	- -	22.67	4.43	- -	44.17	17.13	8.97
Price/Book Value	- -	- -	1.22	1	1.16	0.81	0.96	0.87	0.82	1.05	1.19
Price/Book Value Average	- -	- -	1.23	1.15	1.1	0.8	0.85	0.91	0.71	0.82	1.01
Price/Book Value High	- -	- -	1.36	1.27	1.17	1.14	1.04	1.04	0.85	1.08	1.31
Price/Book Value Low	- -	- -	1.16	0.98	0.98	0.56	0.62	0.84	0.55	0.64	0.79
Price/Tangible Book Value	- -	- -	1.22	1	1.16	0.81	0.96	0.87	0.82	1.05	1.19
Price/Tangible Book Value Average	- -	- -	1.23	1.15	1.1	0.8	0.85	0.91	0.71	0.82	1.01
Price/Tangible Book Value High	- -	- -	1.36	1.27	1.17	1.14	1.04	1.04	0.85	1.08	1.31
Price/Tangible Book Value Low	- -	- -	1.16	0.98	0.98	0.56	0.62	0.84	0.55	0.64	0.79
Price/Sales	- -	- -	5.81	4.2	4.58	2.34	1.94	3	3.01	3.59	3.43
Price/Sales Average	- -	- -	5.86	4.84	4.34	2.32	1.72	3.15	2.62	2.79	2.94
Price/Sales High	- -	- -	6.49	5.35	4.62	3.28	2.11	3.59	3.14	3.71	3.78
Price/Sales Low	- -	- -	5.55	4.12	3.87	1.62	1.26	2.91	2	2.18	2.28
Price/Cash Flow	- -	- -	23.23	20.67	36.4	-4.57	9.38	21.58	34.19	40.44	6.69
Price/Cash Flow Average	- -	- -	23.44	23.83	34.47	-4.54	8.29	22.69	29.83	31.41	5.72
Price/Cash Flow High	- -	- -	25.94	26.33	36.77	-6.41	10.19	25.84	35.7	41.78	7.37
Price/Cash Flow Low	- -	- -	22.19	20.29	30.75	-3.18	6.07	20.93	22.8	24.54	4.45
Price/Free Cash Flow Average	- -	- -	34.49	88.46	141.42	-4.25	10.72	23.89	31.96	50.68	5.9
Price/Free Cash Flow High	- -	- -	38.17	97.74	150.85	-6	13.18	27.21	38.24	67.39	7.6
Price/Free Cash Flow Low	- -	- -	32.65	75.34	126.16	-2.97	7.86	22.04	24.43	39.59	4.59
EV/Sales Average	- -	- -	4.35	4.3	5.72	3.44	0.13	11.84	11.82	10.3	8.8
EV/Sales High	- -	- -	4.98	4.82	6.01	4.42	0.54	12.32	12.33	11.23	9.65
EV/Sales Low	- -	- -	4.04	3.56	5.25	2.72	- -	11.57	11.21	9.68	8.14
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	10.88	9.13	10.54	7.53	10.39	9.32	9.76	13	16.35
High Price	- -	- -	12.15	11.63	10.64	10.58	11.29	11.16	10.19	13.43	18.01
Enterprise Value Average	- -	- -	150	167	229	185	12	835	873	836	953
Enterprise Value High	- -	- -	172	187	241	238	48	869	911	911	1,046
Enterprise Value Low	- -	- -	140	138	211	146	-31	816	828	786	882

Shares Outstanding	8	8	18	18	17	17	17	25	22	23	23
Diluted Weighted Avg Shares	8	8	18	18	17	17	17	23	23	23	23
Basic Weighted Avg Shares	8	8	18	18	17	17	17	23	23	22	23
Revenue per Share	3.57	3.54	1.87	2.17	2.3	3.22	5.35	3.11	3.25	3.62	4.76
EBITDA per Share	0.7	0.51	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.46	0.29	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.03	0.05
Cash Flow per Share	0.63	0.52	0.47	0.44	0.29	-1.65	1.11	0.43	0.29	0.32	2.44
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
Cash & Equivalents per Share	11.4	7.75	4.8	5.25	2.82	5.39	15.48	7.46	11.6	10.81	9.52
Book Value per Share	10.96	11.19	8.93	9.16	9.08	9.32	10.86	10.77	11.92	12.38	13.78
Tangible Book Value per Share	10.94	11.19	8.93	9.16	9.08	9.32	10.86	10.77	11.92	12.38	13.78

Ponce Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)