Payment Financial Technologies Ltd (TLV:PMNT)

TLV:PMNT Statistics

Total Valuation

TLV:PMNT has a market cap or net worth of ILS 214.16 million. The enterprise value is 354.13 million.

Market Cap	214.16M
Enterprise Value	354.13M

Important Dates

The last earnings date was Thursday, November 13, 2025.

Earnings Date	Nov 13, 2025
Ex-Dividend Date	Nov 26, 2025

Share Statistics

TLV:PMNT has 39.23 million shares outstanding. The number of shares has decreased by -2.42% in one year.

Current Share Class	39.23M
Shares Outstanding	39.23M
Shares Change (YoY)	-2.42%
Shares Change (QoQ)	+0.14%
Owned by Insiders (%)	50.73%
Owned by Institutions (%)	13.56%
Float	7.10M

Valuation Ratios

The trailing PE ratio is 11.97.

PE Ratio	11.97
Forward PE	n/a
PS Ratio	4.04
PB Ratio	2.68
P/TBV Ratio	2.95
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.81, with an EV/FCF ratio of -77.52.

EV / Earnings	20.70
EV / Sales	6.69
EV / EBITDA	12.81
EV / EBIT	13.55
EV / FCF	-77.52

Financial Position

The company has a current ratio of 1.47, with a Debt / Equity ratio of 1.81.

Current Ratio	1.47
Quick Ratio	1.47
Debt / Equity	1.81
Debt / EBITDA	5.24
Debt / FCF	-31.69
Interest Coverage	5.70

Financial Efficiency

Return on equity (ROE) is 23.48% and return on invested capital (ROIC) is 9.78%.

Return on Equity (ROE)	23.48%
Return on Assets (ROA)	9.32%
Return on Invested Capital (ROIC)	9.78%
Return on Capital Employed (ROCE)	30.94%
Revenue Per Employee	1.18M
Profits Per Employee	380,244
Employee Count	45
Asset Turnover	0.30
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:PMNT has paid 5.25 million in taxes.

Income Tax	5.25M
Effective Tax Rate	23.48%

Stock Price Statistics

The stock price has increased by +52.81% in the last 52 weeks. The beta is -0.08, so TLV:PMNT's price volatility has been lower than the market average.

Beta (5Y)	-0.08
52-Week Price Change	+52.81%
50-Day Moving Average	488.69
200-Day Moving Average	422.78
Relative Strength Index (RSI)	57.47
Average Volume (20 Days)	17,784

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TLV:PMNT had revenue of ILS 52.96 million and earned 17.11 million in profits. Earnings per share was 0.46.

Revenue	52.96M
Gross Profit	52.96M
Operating Income	26.14M
Pretax Income	22.36M
Net Income	17.11M
EBITDA	27.04M
EBIT	26.14M
Earnings Per Share (EPS)	0.46

Balance Sheet

The company has 4.78 million in cash and 144.75 million in debt, giving a net cash position of -139.96 million or -3.57 per share.

Cash & Cash Equivalents	4.78M
Total Debt	144.75M
Net Cash	-139.96M
Net Cash Per Share	-3.57
Equity (Book Value)	79.78M
Book Value Per Share	2.07
Working Capital	69.94M

Cash Flow

In the last 12 months, operating cash flow was -4.03 million and capital expenditures -536,000, giving a free cash flow of -4.57 million.

Operating Cash Flow	-4.03M
Capital Expenditures	-536,000
Free Cash Flow	-4.57M
FCF Per Share	-0.12

Margins

Gross margin is 100.00%, with operating and profit margins of 49.36% and 32.31%.

Gross Margin	100.00%
Operating Margin	49.36%
Pretax Margin	42.23%
Profit Margin	32.31%
EBITDA Margin	51.05%
EBIT Margin	49.36%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 3.74%.

Dividend Per Share	0.20
Dividend Yield	3.74%
Dividend Growth (YoY)	22.99%
Years of Dividend Growth	2
Payout Ratio	46.75%
Buyback Yield	2.42%
Shareholder Yield	6.16%
Earnings Yield	7.99%
FCF Yield	-2.13%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3