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Ponce Financial Group, Inc. (PDLB)
NASDAQ: PDLB · Real-Time Price · USD
20.20
+0.29 (1.46%)
Jul 24, 2026, 4:00 PM EDT - Market closed

Ponce Financial Group Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
113.62109.2283.6975.4973.0293.48
Revenue Growth
29.49%30.50%10.87%3.38%-21.89%69.30%
Gross Profit
107.9105.4483.1472.2148.9890.77
Operating Income
41.8638.4315.695.85-36.8533.62
Net Income
30.2427.5810.333.35-3025.42
Earnings Per Share
1.301.200.460.15-1.321.51
EPS Growth
113.12%160.87%206.67%--556.52%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
117.5126.4140.09139.4455.85156.38
Total Debt
600.53625.45626.8717.11551.91121.35
Net Cash (Debt)
-483.03-499.05-486.71-577.67-496.0535.04
Net Cash Growth
------
Net Cash Per Share
-20.85-21.64-21.58-25.31-21.862.09

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1.3955.597.216.499.818.55
Capital Expenditures
-0.87-0.98-2.72-0.41-0.49-4.17
Free Cash Flow
0.5254.624.496.089.3114.38
Free Cash Flow Growth
-1115.31%-26.11%-34.65%-35.29%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
94.96%96.54%99.34%95.65%67.07%97.09%
Operating Margin
36.84%35.19%18.74%7.75%-50.46%35.97%
Pretax Margin
36.81%35.19%18.74%7.75%-50.46%35.97%
Profit Margin
27.61%26.28%13.11%4.44%-41.08%27.19%
FCF Margin
0.46%50.00%5.37%8.06%12.75%15.38%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
15.4213.6328.2665.07-9.60
Forward PE
1.9112.9835.1455.33109.6510.99
P/FCF Ratio
8.807.2369.3138.1724.7617.47
PS Ratio
4.483.613.723.083.162.69