Payment Financial Technologies Ltd (TLV:PMNT)

TLV:PMNT Statistics

Total Valuation

TLV:PMNT has a market cap or net worth of ILS 149.98 million. The enterprise value is 164.19 million.

Market Cap	149.98M
Enterprise Value	164.19M

Important Dates

The next estimated earnings date is Saturday, August 16, 2025.

Earnings Date	Aug 16, 2025
Ex-Dividend Date	May 26, 2025

Share Statistics

TLV:PMNT has 39.23 million shares outstanding. The number of shares has decreased by -0.50% in one year.

Current Share Class	39.23M
Shares Outstanding	39.23M
Shares Change (YoY)	-0.50%
Shares Change (QoQ)	-1.47%
Owned by Insiders (%)	50.73%
Owned by Institutions (%)	14.02%
Float	7.10M

Valuation Ratios

The trailing PE ratio is 10.05.

PE Ratio	10.05
Forward PE	n/a
PS Ratio	3.34
PB Ratio	2.11
P/TBV Ratio	2.11
P/FCF Ratio	18.50
P/OCF Ratio	18.22
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.86, with an EV/FCF ratio of 20.26.

EV / Earnings	11.43
EV / Sales	3.65
EV / EBITDA	6.86
EV / EBIT	7.13
EV / FCF	20.26

Financial Position

The company has a current ratio of 2.98, with a Debt / Equity ratio of 0.41.

Current Ratio	2.98
Quick Ratio	2.98
Debt / Equity	0.41
Debt / EBITDA	1.22
Debt / FCF	3.60
Interest Coverage	6.19

Financial Efficiency

Return on equity (ROE) is 21.51% and return on invested capital (ROIC) is 13.44%.

Return on Equity (ROE)	21.51%
Return on Assets (ROA)	12.82%
Return on Invested Capital (ROIC)	13.44%
Return on Capital Employed (ROCE)	30.90%
Revenue Per Employee	998,422
Profits Per Employee	319,111
Employee Count	45
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:PMNT has paid 4.30 million in taxes.

Income Tax	4.30M
Effective Tax Rate	23.05%

Stock Price Statistics

The stock price has increased by +43.56% in the last 52 weeks. The beta is -0.12, so TLV:PMNT's price volatility has been lower than the market average.

Beta (5Y)	-0.12
52-Week Price Change	+43.56%
50-Day Moving Average	379.33
200-Day Moving Average	382.49
Relative Strength Index (RSI)	45.70
Average Volume (20 Days)	19,556

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 44.93 million and earned 14.36 million in profits. Earnings per share was 0.38.

Revenue	44.93M
Gross Profit	44.93M
Operating Income	23.02M
Pretax Income	18.66M
Net Income	14.36M
EBITDA	23.33M
EBIT	23.02M
Earnings Per Share (EPS)	0.38

Balance Sheet

The company has 14.95 million in cash and 29.16 million in debt, giving a net cash position of -14.21 million or -0.36 per share.

Cash & Cash Equivalents	14.95M
Total Debt	29.16M
Net Cash	-14.21M
Net Cash Per Share	-0.36
Equity (Book Value)	71.15M
Book Value Per Share	1.89
Working Capital	60.13M

Cash Flow

In the last 12 months, operating cash flow was 8.23 million and capital expenditures -127,000, giving a free cash flow of 8.11 million.

Operating Cash Flow	8.23M
Capital Expenditures	-127,000
Free Cash Flow	8.11M
FCF Per Share	0.21

Margins

Gross margin is 100.00%, with operating and profit margins of 51.24% and 31.96%.

Gross Margin	100.00%
Operating Margin	51.24%
Pretax Margin	41.53%
Profit Margin	31.96%
EBITDA Margin	51.94%
EBIT Margin	51.24%
FCF Margin	18.04%

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 5.34%.

Dividend Per Share	0.20
Dividend Yield	5.34%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	48.75%
Buyback Yield	0.50%
Shareholder Yield	5.84%
Earnings Yield	9.57%
FCF Yield	5.40%

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

TLV:PMNT has an Altman Z-Score of 4.15 and a Piotroski F-Score of 5.

Altman Z-Score	4.15
Piotroski F-Score	5