Ponce Financial Group, Inc.

PDLB

$20.72

+1.09%

N/A+$0.22

Financial Services

Banks - Regional

NASDAQ

Active Trading

Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The ...

Financial Highlights of PDLB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

56.2%

Net Margin

16.5%

P/E Ratio

14.59x

n/a

Debt / Equity

1.16

n/a

Current Ratio

0.17

Dividend Yield

0.0%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

56.2%

Net Margin

16.5%

P/E Ratio

14.59x

Debt / Equity

1.16

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	85.9%	53.9%	54.2%	47.7%	54.5%	—
Operating MarginOperating income as a percentage of revenue.	43.3%	-42.3%	4.4%	9.4%	20.3%	—
Net MarginNet income as a percentage of revenue.	32.8%	-34.4%	2.5%	6.6%	14.8%	—
EBITDA MarginEBITDA divided by revenue.	46.5%	-37.4%	7.7%	12.2%	22.1%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	43.3%	-42.3%	4.4%	9.4%	19.8%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.23	0.16	0.18	0.14	0.12	—
Quick RatioLiquid assets divided by current liabilities.	0.23	0.16	0.18	0.14	0.12	—
Cash RatioCash and equivalents divided by current liabilities.	0.13	0.04	0.09	0.07	0.06	—
Debt / AssetsDebt as a share of total assets.	7.3%	23.9%	26.1%	20.6%	19.4%	—
Debt / EquityDebt compared with shareholder equity.	0.64	1.12	1.46	1.24	1.15	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	6.28x	5.79x	7.47x	9.41x	10.85x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	48.11x	28.92x	5.15x	23.57x	23.34x	—
Asset TurnoverRevenue generated per dollar of assets.	0.05x	0.04x	0.05x	0.06x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.08x	-0.09x	-0.12x	-0.12x	-0.11x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	9.54x	-7.06x	65.07x	28.26x	13.51x	—
P/B RatioPrice paid for each dollar of book value.	1.28x	0.43x	0.45x	0.58x	0.69x	—
P/S RatioPrice paid for each dollar of sales.	3.13x	2.43x	1.65x	1.74x	1.92x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	16.88x	22.72x	36.50x	64.90x	6.84x	—
Dividend YieldAnnual dividend divided by current share price.	0.0%	0.0%	0.0%	0.2%	0.3%	—

Upstream

Fiserv, Inc.NASDAQ:FISV Salesforce, Inc.NYSE:CRM nCino, Inc.NASDAQ:NCNOData Center Inc. (DCI)Built Technologies, Inc.FortimizeMuleSoft, LLC (Salesforce subsidiary)NYSE:CRM

Downstream

Multifamily Residential Property Owners (NYC Metro)Construction & Land Development Borrowers (NYC Metro)Small Business & Commercial BorrowersResidential Mortgage Borrowers (via Mortgage World Bankers)Retail Deposit Customers (Individuals)Mizuho Bank (USA) / Mizuho Financial GroupNYSE:MFGFederal Home Loan Bank of New York (FHLBNY)

Proxies

Fiserv, Inc.NASDAQ:FISV Salesforce, Inc.NYSE:CRM nCino, Inc.NASDAQ:NCNO Mizuho Financial Group, Inc.NYSE:MFG

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Ponce Financial Group, Inc.

Financial Highlights of PDLB

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of PDLB

Upstream

Downstream

Proxies

Financial Highlights of PDLB

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of PDLB

Upstream

Downstream

Proxies