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
Return on Common Equity (%)	- -	1.45	-4.52	2.76	-5.31	4.02	23.01	-27.73	3.51	10.05	22.64
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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	1.44	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	19.52	14.43	4.71	4.63	5.54	5.08	3.57	6.01	6.13	5.84	4.45
Operating Margin (%)	12.92	8.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	466.11	-46.78	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.92	8.27	-8.57	9.78	-15.08	10.56	48.5	-51.92	7.92	19.33	35.48
Profit Margin (%)	8.48	4.85	-12.69	6.9	-12.77	7.77	36.66	-42.27	4.54	13.52	26.5
Net Income to Common Margin (%)	8.48	4.85	-12.69	6.9	-12.77	7.77	36.66	-42.27	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 (%)	- -	1.45	-4.52	2.76	-5.31	4.02	23.01	-27.73	3.51	10.1	22.64

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	22.36	38.6	46.99	59.03	49.07	129.37	158.44	132.32	129.82
Net Debt/EBITDA	-0.81	-1.35	-14.33	-0.21	34.53	29.33	-14.17	108.19	120.41	96.27	97.49
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	13.91	13.32	10.27	9.34	8.91	7.21	7.45	4.03	3.55	3.55	4.21
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 (%)	7.56	2.85	12.48	26.37	47.09	12.12	43.46	63.43	68.97	65.3	63.43
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 (%)	7.56	5.7	27.69	41.21	52.66	60.34	49.63	63.43	68.97	65.3	63.43
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 (%)	-5.04	-6.11	-32.52	-0.38	44.97	43.05	-39.77	56.68	60.53	55.63	54.64
EBITDA	6	4	2	2	2	3	2	4	5	5	5
EBITDA-CapEx	6	4	-1	-4	-2	1	-2	4	4	2	4
Operating Income (Loss)	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.91	13.32	10.27	9.34	8.91	7.21	7.45	4.03	3.55	3.55	4.21
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 (%)	7.56	2.85	12.48	26.37	47.09	12.12	43.46	63.43	68.97	65.3	63.43
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 (%)	7.56	5.7	27.69	41.21	52.66	60.34	49.63	63.43	68.97	65.3	63.43
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	0.25	0.24	0.34	0.28	0.29	0.2	0.22	0.16	0.14	0.15	0.18

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	10.93	11.44	10.89	10.32	6.45	5.84	5.18	4.47	4.54	6.07
Days Sales Outstanding	- -	33.39	31.9	33.52	35.37	56.59	62.54	70.49	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)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	201	163	184	126	174	211	222	292	372
- 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	-87	-58	149	135	239	182	26	803	905	898	1,004
Total Capital	106	105	131	168	198	246	244	870	1,040	960	986
Total Debt/Capital (%)	7.56	5.7	27.69	41.21	52.66	60.34	49.63	63.43	68.97	65.3	63.43
Total Debt / EV	-0.09	-0.1	0.24	0.51	0.44	0.82	4.73	0.69	0.79	0.7	0.62
EV/Sales	- -	- -	4.3	3.49	5.95	3.67	0.37	11.31	12.25	11.07	9.27
EV/EBITDA	- -	- -	91.33	75.34	107.52	72.25	10.38	188.24	199.9	189.65	208.33
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	17.2	17.18	47.35	- -	1.38	81.95	139.34	124.57	18.06
EV/Free Cash Flow to Firm	- -	- -	13.03	9.93	26.96	- -	1.13	78.03	131.05	90.47	17.74
Diluted Market Cap	- -	- -	201	163	184	126	175	211	223	293	377
Diluted Enterprise Value	-5	-6	178	163	260	200	139	933	1,025	1,005	1,101
EV per Share	- -	- -	8.05	7.59	13.71	10.92	1.53	35.39	39.78	40.04	44.13
TTM Sales	30	29	35	39	40	50	69	71	74	81	108
TTM EBITDA	6	4	2	2	2	3	2	4	5	5	5
TTM Operating Income	4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	4	9	8	5	-28	19	10	6	7	56
TTM Free Cash Flow to Firm	6	5	11	14	9	-26	23	10	7	10	57

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	17.6	11.94	20.73	-4.91	7.68	20.55	32.26	29.52	6.66
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-87	-58	149	135	239	182	26	803	905	898	1,004
Low Price	- -	- -	14.5	11.61	12.42	7.31	9.39	9.04	6.51	7.89	10.88
EV/Sales	- -	- -	4.3	3.49	5.95	3.67	0.37	11.31	12.25	11.07	9.27
EV/EBITDA	- -	- -	91.33	75.34	107.52	72.25	10.38	188.24	199.9	189.65	208.33
Price/Earnings	- -	- -	- -	60.88	- -	32.6	6.85	- -	66.23	28.22	13.49
Price/Earnings Average	- -	- -	-46.21	70.22	-33.95	32.44	6.05	-7.41	57.79	21.92	11.53
Price/Earnings High	- -	- -	-71.34	108.2	-50.51	63.87	10.38	-11.78	69.15	29.16	14.85
Price/Earnings Low	- -	- -	-61.02	77.42	-42.25	31.63	6.19	-6.84	44.17	17.13	8.97
Price/Book Value	- -	- -	2.11	1.65	1.96	1.29	1.41	2.27	2.27	2.7	2.74
Price/Book Value Average	- -	- -	2.13	1.9	1.85	1.28	1.25	2.39	1.98	2.1	2.35
Price/Book Value High	- -	- -	3.29	2.93	2.76	2.52	2.14	3.79	2.37	2.79	3.02
Price/Book Value Low	- -	- -	2.82	2.09	2.31	1.25	1.28	2.2	1.52	1.64	1.83
Price/Tangible Book Value	- -	- -	1.22	0.96	1.16	0.79	0.92	0.79	0.83	1.04	1.17
Price/Tangible Book Value Average	- -	- -	1.23	1.11	1.1	0.78	0.81	0.83	0.73	0.81	1
Price/Tangible Book Value High	- -	- -	1.9	1.71	1.63	1.54	1.39	1.32	0.87	1.07	1.29
Price/Tangible Book Value Low	- -	- -	1.62	1.23	1.37	0.76	0.83	0.77	0.56	0.63	0.78
Price/Sales	- -	- -	5.81	4.2	4.58	2.53	2.51	2.98	3.01	3.59	3.43
Price/Sales Average	- -	- -	5.86	4.84	4.34	2.52	2.22	3.13	2.62	2.79	2.94
Price/Sales High	- -	- -	9.05	7.46	6.45	4.96	3.8	4.98	3.14	3.71	3.78
Price/Sales Low	- -	- -	7.74	5.34	5.4	2.46	2.27	2.89	2	2.18	2.28
Price/Cash Flow	- -	- -	23.24	20.67	36.4	-4.57	9.38	21.58	34.19	40.44	6.69
Price/Cash Flow Average	- -	- -	23.45	23.84	34.48	-4.54	8.29	22.69	29.83	31.41	5.72
Price/Cash Flow High	- -	- -	36.2	36.73	51.3	-8.95	14.21	36.05	35.7	41.78	7.37
Price/Cash Flow Low	- -	- -	30.96	26.28	42.91	-4.43	8.47	20.93	22.8	24.54	4.45
Price/Free Cash Flow Average	- -	- -	17.76	13.78	19.63	-4.89	6.79	21.61	28.15	22.93	5.7
Price/Free Cash Flow High	- -	- -	27.42	21.23	29.21	-9.62	11.64	34.33	33.68	30.5	7.34
Price/Free Cash Flow Low	- -	- -	23.45	15.19	24.43	-4.76	6.94	19.93	21.52	17.92	4.44
EV/Sales Average	- -	- -	5.19	4.83	6.25	4.01	1.71	13.29	13.49	11.56	9.62
EV/Sales High	- -	- -	8.38	7.45	8.36	6.45	3.3	15.14	14	12.48	10.47
EV/Sales Low	- -	- -	7.07	5.33	7.31	3.95	1.76	13.05	12.87	10.95	8.97
EV/EBITDA Average	-0.81	-1.35	110.2	104.35	112.83	78.95	48.02	221.15	220.15	198.07	216.3
EV/EBITDA High	-0.81	-1.35	177.9	160.89	151.03	127.03	92.47	251.84	228.56	213.85	235.31
EV/EBITDA Low	-0.81	-1.35	150.12	115.06	131.97	77.71	49.41	217.11	210.06	187.61	201.65
EV/EBIT Average	-1.22	-2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-1.22	-2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.22	-2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	10.88	9.13	10.54	7.53	10.39	9.32	9.76	13	16.35
High Price	- -	- -	16.95	16.23	14.85	14.76	15.75	15.57	10.19	13.43	18.01
Enterprise Value Average	-5	-6	179	188	251	199	119	943	996	938	1,042
Enterprise Value High	-5	-6	290	289	336	320	229	1,074	1,034	1,013	1,134
Enterprise Value Low	-5	-6	244	207	293	196	122	926	951	889	972

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	2.97	4.14	3.13	3.25	3.62	4.76
EBITDA per Share	0.7	0.51	0.09	0.1	0.13	0.15	0.15	0.19	0.2	0.21	0.21
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	5.43	2.82	5.54	16.11	8.17	11.4	10.92	9.61
Book Value per Share	11.77	11.94	5.15	5.55	5.38	5.86	7.35	4.11	4.29	4.81	5.96
Tangible Book Value per Share	10.94	11.19	8.93	9.48	9.09	9.57	11.3	11.8	11.71	12.5	13.92

Ponce Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)