Saturday 17 October 2026 Export PDLB’s income statement to Excel — free account

Ponce Financial Group, Inc.

Ponce Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $194.9 million, up 14.8% from fiscal 2024. In the quarter to June 2026, revenue grew 11.0%, EPS grew 38.5%, free cash flow grew 35.8% and total debt rose 15.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

20.13 0.05 −0.25%

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Market cap: $488.1M
P/E: 14.2×
Fwd P/E: 1.8×
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
Piotroski F-Score Full definition →	8	6	6	3	7	6	5	5	6	—
P/E ratio Full definition →	13.51	27.66	63.12	0.00	6.84	31.38	0.00	60.87	0.00	186.25
P/S ratio Full definition →	1.91	1.72	1.59	2.42	1.71	1.89	3.46	3.31	0.00	0.00
P/FCF ratio Full definition →	6.81	64.90	35.53	23.19	3.35	0.00	149.38	76.54	0.00	0.00
P/Operating CF Full definition →	10.64	12.75	(252.43)	(48.70)	(18.36)	(5.05)	7,988.54	142.10	0.00	0.00
P/B ratio Full definition →	1.17	1.04	0.81	0.81	0.92	0.79	1.16	0.96	0.00	0.00
Price to Tangible BV Full definition →	1.17	1.04	0.81	0.81	0.92	0.79	1.16	0.96	0.00	0.00
EV/Sales Full definition →	4.32	4.40	5.59	7.61	1.24	2.56	4.90	3.30	(0.55)	(1.03)
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	15.14	103.70	117.25	69.27	6.81	(6.21)	51.62	20.57	(2.70)	(5.87)
EV/FCF Full definition →	15.41	166.42	125.17	72.93	2.43	(6.92)	211.76	76.36	(3.97)	(6.80)
Quick Ratio Full definition →	0.06	0.07	0.09	0.04	0.13	0.07	0.04	0.09	0.08	0.02
Current Ratio Full definition →	1.34	1.29	1.36	1.25	1.22	1.21	1.26	1.23	1.21	1.02
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	18.49%	19.61%	24.88%	22.38%	6.43%	8.65%	9.91%	6.55%	3.93%	0.40%
Debt/Equity Full definition →	1.10	1.18	1.39	1.05	0.56	0.73	0.66	0.41	0.22	0.03
Asset Turnover Full definition →	0.06	0.06	0.05	0.05	0.07	0.06	0.05	0.05	0.05	0.05
Operating CF/Net income Full definition →	2.02	0.70	1.94	(0.33)	0.73	(7.14)	(0.98)	2.95	(1.97)	3.05
Capex/Depreciation Full definition →	(0.21)	(0.59)	(0.09)	(0.11)	12.90	1.12	(1.69)	(3.19)	(1.65)	(0.29)
ROE Full definition →	9.24%	3.78%	1.26%	(13.13%)	14.57%	2.42%	(3.13%)	1.60%	(3.40%)	1.55%
ROA Full definition →	0.88%	0.36%	0.13%	(1.51%)	1.69%	0.32%	(0.48%)	0.27%	(0.53%)	0.20%
ROIC Full definition →	2.37%	1.02%	0.35%	(2.41%)	14.84%	1.60%	(1.61%)	1.41%	(1.31%)	1.80%
Return on Tangible Assets Full definition →	3.87%	1.80%	0.60%	(9.14%)	8.86%	1.54%	(2.14%)	1.25%	(2.51%)	3.42%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	36.32%	40.04%	51.17%	123.21%	58.84%	75.06%	88.14%	72.93%	90.92%	76.87%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	2.13%	2.09%	2.22%	3.30%	2.75%	2.92%	3.80%	1.45%	1.75%	0.00%
Graham Net Nets Full definition →	0.17	(0.27)	(0.91)	(1.18)	0.13	0.65	0.51	0.62	0.00	0.00
Graham Number Full definition →	19.46	11.50	6.30	0.00	19.66	7.19	0.00	5.66	0.00	0.00
Earnings Yield Full definition →	7.40%	3.62%	1.58%	(13.88%)	14.63%	3.19%	(2.85%)	1.64%	(1.06%)	0.54%
Free Cash Flow Yield Full definition →	14.69%	1.54%	2.81%	4.31%	29.89%	(19.64%)	0.67%	1.31%	0.00%	0.00%
Revenue per Share Full definition →	8.57	7.57	5.98	3.93	6.08	3.99	3.05	2.76	2.37	1.40
Operating CF per Share Full definition →	2.44	0.32	0.29	0.43	1.11	(1.65)	0.29	0.44	0.49	0.17
Capex per Share Full definition →	(0.04)	(0.12)	(0.02)	(0.02)	2.00	0.17	(0.22)	(0.32)	(0.16)	(0.02)
Free Cash Flow per Share Full definition →	2.40	0.20	0.27	0.41	3.11	(1.48)	0.07	0.12	0.33	0.15
Cash per Share Full definition →	5.55	6.23	6.12	2.40	9.19	4.32	1.59	3.92	3.37	0.45
Shareholders Equity per Share Full definition →	23.81	22.53	21.60	21.71	11.30	9.57	9.09	9.50	9.29	3.61
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	23.81	22.53	21.60	21.71	11.30	9.57	9.09	9.50	9.29	3.61
Free Cash Flow Full definition →	54.62	4.49	6.08	9.31	52.00	(24.66)	1.23	2.12	5.88	3.81
Working Capital Full definition →	696.28	556.02	543.48	310.71	267.14	217.92	206.29	182.26	147.74	15.61
Capital Expenditures Full definition →	(0.98)	(2.72)	(0.41)	(0.49)	33.45	2.84	(3.82)	(5.76)	(2.77)	(0.53)
Net Current Asset Value Full definition →	64.28	(79.49)	(196.26)	(254.77)	22.92	81.83	93.07	101.35	101.03	6.72
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.01	0.02	0.00	0.01	(0.33)	(0.04)	0.07	0.12	0.07	0.01
Price to Operating Income Full definition →	9.68	18.59	29.50	0.00	5.17	23.98	0.00	44.37	0.00	0.00
Other line items
Depreciation/Fixed assets Full definition →	0.30	0.27	0.27	0.26	0.13	0.08	0.07	0.06	0.06	0.07
Cash ROIC Full definition →	4.32%	0.36%	0.46%	0.87%	11.57%	(7.07%)	0.42%	0.69%	2.25%	3.54%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.04	0.05	0.04	0.01	0.01	0.01	0.02	0.01	0.01	0.01
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	8,715.28	8,028.98	9,080.40	28,307.04	53,286.64	33,054.48	23,098.05	31,144.54	38,420.25	39,542.36
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	1,970.92	1,701.42	1,380.02	1,228.56	1,117.15	905.81	795.90	761.87	678.53	621.29
Average Assets Full definition →	3,131.95	2,895.33	2,531.36	1,982.75	1,504.37	1,204.49	1,056.83	992.71	835.25	724.07
Average Common Equity Full definition →	298.52	273.45	267.05	228.48	174.40	158.97	163.79	166.98	128.89	92.03

Fold the line items

Columns are period end dates

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