1. Israel Stocks

  2. •

    Technology services

  3. •

    Packaged software
Payment Financial Technologies Ltd

Payment Financial Technologies Ltd

TTASE:PMNT
390.40
ILA
-13.50
(-3.34%)
46.48EPS
12.42P/E
23.21BMarket Cap
Payment Financial Technologies Ltd
TASE:PMNT
(Tel Aviv Stock Exchange)

Recent

price

390.40

P/E

ratio

12.42

div

yld

5.94%

ROIC.AI

2018
2019
2020
2023
2024
2025
TTM
ILS
0.04
0.07
0.1
1
1.15
1.41
1.51
Revenue per Share
-0.09
-0.05
0.01
0.28
0.36
0.47
0.48
Basic EPS, GAAP
-0.09
-0.05
-0.01
- -
0.04
0.03
0.26
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.19
0.23
0.23
Dividend per Share
- -
-0.07
-0.06
- -
1.83
2.09
2.21
Book Value per Share
- -
-0.07
-0.06
- -
1.61
1.91
2
Tangible Book Value per Share
31
31
31
37
37
39
39
Basic Weighted Avg Shares
1
2
3
37
43
55
58
Sales/Revenue/Turnover
-154.09
-55.73
13.28
57
52.67
52.02
52.08
Operating Margin (%)
- -
- -
- -
- -
2
3
3
Depreciation Expense
-3
-2
- -
10
13
18
18
Net Income, GAAP
- -
- -
- -
22.41
22.8
23.49
24.51
Effective Tax Rate (%)
-206.74
-70.62
7.39
27.92
31.2
33.22
31.6
Profit Margin (%)
- -
-1
- -
- -
58
70
74
Working Capital
- -
3
3
- -
- -
2
2
LT Debt
- -
-2
-2
- -
68
82
87
Total Equity
- -
- -
24.62
- -
- -
12.44
13.09
Return on Invested Capital (%)
- -
- -
17.86
- -
- -
12.49
12.92
Return on Capital (%)
- -
- -
- -
- -
- -
24.21
22.59
Return on Common Equity (%)

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
105
80
116
LT Borrowings
- -
- -
- -
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
39
39
39
Market Capitalization
228
263
232

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
198
171
215
Cash, Cash Equivalents & STI
6
7
5
Accounts Receivable, Net
189
161
207
Inventories
- -
- -
- -
Total Current Liabilities
128
99
141
Payables & Accruals
- -
- -
- -
ST Debt
105
80
116
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
20.74%
Free Cash Flow
- -
- -
-34.18%
Net Income, GAAP
- -
877.5%
36.84%
Sales/Revenue/Turnover
- -
252.42%
28.52%
Total Cash Common Dividend
- -
- -
28.57%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
9
13
11
43
2025
12
13
16
14
55
2026
14
14
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.06
0.11
0.11
0.36
2025
0.1
0.11
0.13
0.13
0.47
2026
0.1
0.11
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.08
0.05
0.19
2025
0.05
0.05
0.05
0.08
0.23
2026
0.05
0.05
- -
- -
- -
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Business
Payment Financial Technologies Ltd (PMNT.TA) operates a digital payment platform in Israel, enabling businesses to offer retail credit solutions that bypass traditional credit limits with immediate transaction approvals and full payment transfers to merchants. The company, founded in 2014 and headquartered in Omer, Israel, develops and owns the PaymenT brand, which provides alternative payment methods including long-term installment plans tailored to customer repayment capacity; cash, credit card, and check alternatives; and services for sectors such as dental medicine, aesthetics, legal representation, tourism, automotive, education, optics, air conditioning, professional consulting, contracting, furniture, electronics, jewelry, and heavy equipment. Its platform targets small and medium-sized enterprises, delivering instant risk-free cash flow by eliminating merchant exposure to customer credit risks, checks, or installment delays, while allowing consumers to manage large one-time expenses without depleting credit lines. As of fiscal year results, the company reports revenue of 43.05 million ILS, net income of 13.29 million ILS, and an EBITDA of 20.95 million ILS with a 44.97% margin, operating solely in the Israeli market under CEO Yaniv Gilor. No major acquisitions, funding rounds, partnerships, or strategic expansions have been announced in the last 1-2 years.