PDLB - Ponce Financial Group, Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$24.00
DETAILS
HIGH:
$24.00
LOW:
$24.00
MEDIAN:
$24.00
CONSENSUS:
$24.00
UPSIDE:
17.47%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 194.3 | 167.3 | 134.5 | 87.1 | 77.6 | 61.0 | 52.5 | 48.3 | 41.4 | 35.3 | 35.3 |
| Cost of Revenue | 88.4 | 87.5 | 61.6 | 40.2 | 11.0 | 13.8 | 12.6 | 10.7 | 8.5 | 5.9 | 6.0 |
| Gross Profit | 105.9 | 79.8 | 72.9 | 46.9 | 66.6 | 47.1 | 39.9 | 37.6 | 32.9 | 29.4 | 29.3 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 40.3 | 34.4 | 34.0 | 30.1 | 24.7 | 23.4 | 19.7 | 18.8 | 18.0 | 16.5 | 15.1 |
| Other Expenses | 26.1 | 29.8 | 33.0 | 53.7 | 8.3 | 18.5 | 26.2 | 15.0 | 17.8 | 10.5 | 10.4 |
| Operating Expenses | 66.4 | 64.1 | 67.0 | 83.8 | 33.0 | 41.9 | 45.9 | 33.8 | 35.8 | 27.0 | 25.5 |
| Operating Income | |||||||||||
| Operating Income | 39.5 | 15.7 | 5.9 | (36.8) | 33.6 | 5.2 | (6.0) | 3.8 | (3.0) | 2.4 | 3.8 |
| Interest Expense | 85.7 | 86.2 | 60.6 | 16.1 | 8.3 | 11.4 | 12.4 | 9.5 | 6.8 | 5.9 | 5.7 |
| Interest Income | 185.5 | 162.6 | 125.9 | 82.8 | 67.1 | 53.3 | 50.5 | 46.2 | 39.0 | 33.7 | 33.6 |
| Profitability | |||||||||||
| EBITDA | 43.0 | 20.4 | 10.4 | (32.6) | 36.1 | 7.8 | (3.8) | 5.6 | (1.3) | 4.2 | 5.8 |
| EBIT | 39.5 | 15.7 | 5.9 | (36.8) | 33.6 | 5.2 | (6.0) | 3.8 | (3.0) | 2.4 | 3.8 |
| Income Before Tax | 38.4 | 15.7 | 5.9 | (36.8) | 33.6 | 5.2 | (6.0) | 3.8 | (3.0) | 2.4 | 3.8 |
| Income Tax Expense | 9.7 | 4.7 | 2.5 | (6.8) | 8.2 | 1.4 | (0.9) | 1.1 | 1.4 | 1.0 | 1.3 |
| Net Income | 28.7 | 11.0 | 3.4 | (30.0) | 25.4 | 3.9 | (5.1) | 2.7 | (4.4) | 1.4 | 2.5 |
| Per Share Data | |||||||||||
| EPS (Basic) | 1.21 | 0.46 | 0.15 | -1.32 | 1.52 | 0.23 | -0.29 | 0.15 | -0.16 | 0.17 | 0.30 |
| EPS (Diluted) | 1.19 | 0.46 | 0.15 | -1.32 | 1.51 | 0.23 | -0.29 | 0.15 | -0.16 | 0.17 | 0.30 |
| Shares Outstanding | 22.8 | 22.4 | 22.7 | 22.7 | 16.7 | 16.7 | 17.4 | 17.8 | 18.5 | 8.3 | 8.3 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||
| Cash & Cash Equivalents | 126.4 | 140.1 | 139.4 | 55.9 | 156.4 | 74.8 | 27.7 | 69.8 | 59.7 | 11.7 | 12.7 |
| Short-Term Investments | 92.2 | 105.0 | 119.9 | 129.5 | 113.3 | 17.5 | 21.5 | 27.1 | 28.9 | 52.7 | 82.0 |
| Net Receivables | 17.9 | 17.8 | 18.0 | 15.0 | 12.4 | 11.4 | 4.0 | 3.8 | 3.3 | 2.7 | 2.7 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 236.5 | 262.8 | 277.4 | 200.4 | 282.1 | 103.7 | 53.2 | 100.7 | 92.0 | 67.1 | 97.4 |
| Non-Current Assets | |||||||||||
| Property, Plant & Equipment | 43.2 | 45.9 | 47.3 | 50.9 | 19.6 | 32.0 | 32.7 | 31.1 | 27.2 | 26.0 | 27.2 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0 | 0.1 |
| Long-Term Investments | 2,875.6 | 2,665.3 | 2,367.6 | 2,005.9 | 1,321.8 | 1,195.8 | 956.8 | 918.5 | 798.7 | 644.3 | 571.0 |
| Other Non-Current Assets | 57.1 | 53.9 | 44.1 | 38.6 | 26.1 | 19.0 | 7.4 | 5.7 | 3.8 | 4.2 | 3.7 |
| Total Non-Current Assets | 2,987.5 | 2,777.1 | 2,473.4 | 2,111.6 | 1,371.4 | 1,251.5 | 1,000.6 | 959.2 | 833.6 | 677.9 | 605.8 |
| Total Assets | 3,224.0 | 3,039.9 | 2,750.7 | 2,312.0 | 1,653.5 | 1,355.2 | 1,053.8 | 1,059.9 | 925.5 | 745.0 | 703.2 |
| Current Liabilities | |||||||||||
| Account Payables | 3.8 | 3.7 | 12.0 | 1.4 | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 15.1 | 118.8 | 11.0 | 25 | 20 | 3 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 2,046.6 | 1,884.9 | 1,507.6 | 1,252.4 | 1,204.7 | 1,029.6 | 782.0 | 809.8 | 714.0 | 643.1 | 599.5 |
| Total Current Liabilities | 2,050.4 | 1,888.6 | 1,519.6 | 1,253.8 | 1,220.0 | 1,148.5 | 793.2 | 834.8 | 734.0 | 646.1 | 599.6 |
| Non-Current Liabilities | |||||||||||
| Long-Term Debt | 596.1 | 596.1 | 684.4 | 517.4 | 106.3 | 29.9 | 93.4 | 44.4 | 16.4 | 3 | 8 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 6.5 | 19.1 | 22.6 | 13.6 | 138.0 | 17.3 | 8.8 | 11.5 | 10.3 | 2.9 | 4.5 |
| Total Non-Current Liabilities | 632.0 | 645.9 | 739.7 | 565.5 | 244.2 | 47.2 | 102.2 | 55.9 | 26.7 | 5.9 | 12.5 |
| Total Liabilities | 2,682.4 | 2,534.4 | 2,259.3 | 1,819.3 | 1,464.3 | 1,195.7 | 895.4 | 890.7 | 760.7 | 652.0 | 612.1 |
| Stockholders' Equity | |||||||||||
| Common Stock | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0 | 0 |
| Retained Earnings | 135.3 | 107.8 | 97.4 | 93.0 | 123.0 | 97.5 | 93.7 | 98.8 | 94.9 | 99.2 | 97.8 |
| Accumulated Other Comprehensive Income | (10.8) | (15.3) | (15.6) | (17.9) | (1.5) | 0.1 | 0.0 | (8.1) | (7.9) | (6.2) | (0.4) |
| Total Stockholders' Equity | 541.5 | 505.5 | 491.4 | 492.7 | 189.3 | 159.5 | 158.4 | 169.2 | 164.8 | 93.0 | 91.1 |
| Total Liabilities & Equity | 3,224.0 | 3,039.9 | 2,750.7 | 2,312.0 | 1,653.5 | 1,355.2 | 1,053.8 | 1,059.9 | 925.5 | 745.0 | 703.2 |
| Debt Metrics | |||||||||||
| Total Debt | 625.5 | 626.8 | 717.1 | 551.9 | 121.3 | 148.7 | 104.4 | 69.4 | 36.4 | 6 | 8 |
| Net Debt | 499.1 | 486.7 | 577.7 | 496.1 | (35.0) | 73.9 | 76.7 | (0.4) | (23.3) | (5.7) | (4.7) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Net Income | 28.7 | 11.0 | 3.4 | (30.0) | 25.4 | 3.9 | (5.1) | 2.7 | (4.4) | 1.4 | 2.5 |
| Depreciation & Amortization | 4.8 | 4.7 | 4.5 | 4.3 | 2.5 | 2.5 | 2.2 | 1.8 | 1.6 | 1.8 | 2.0 |
| Stock-Based Compensation | 4.2 | 3.5 | 3.0 | 2.9 | 2.8 | 1.9 | 2.0 | 0.7 | 0.7 | 0 | 0 |
| Change in Working Capital | 15.9 | (14.0) | (4.5) | (2.0) | 4.3 | (33.1) | (2.3) | 1.6 | 2.7 | 1.0 | (0.9) |
| Other Non-Cash Items | 2.7 | (0.2) | (1.2) | 42.6 | (17.7) | (1.8) | 10.3 | 1.3 | 8.0 | (0.0) | 0.5 |
| Operating Cash Flow | 55.6 | 7.2 | 6.5 | 9.8 | 18.6 | (27.5) | 5.0 | 7.9 | 8.6 | 4.3 | 5.2 |
| Investing Activities | |||||||||||
| Capital Expenditure | (1.0) | (2.7) | (0.4) | (0.5) | (4.2) | (1.9) | (3.8) | (5.8) | (2.8) | (0.5) | (0.3) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | (1.0) | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (10.7) | 0 | 0 | (587.3) | (109.9) | (15.4) | (34) | (5.0) | 0 | (25.9) | 0 |
| Sales/Maturities of Investments | 113.5 | 109.5 | 61.0 | 40.3 | 12.9 | 17.8 | 39.6 | 6.7 | 23.6 | 55.6 | 19.4 |
| Other Investing Activities | (321.5) | (401.7) | (393.5) | (229.6) | (110.0) | (204.1) | (40.4) | (122.5) | (156.8) | (73.0) | (25.3) |
| Investing Cash Flow | (219.7) | (294.9) | (332.9) | (777.1) | (211.1) | (204.6) | (38.7) | (126.6) | (135.9) | (43.9) | (6.2) |
| Financing Activities | |||||||||||
| Net Debt Issuance | 0 | (88.3) | 167.0 | 396.0 | (25.9) | 33.7 | 35 | 33.0 | 33.4 | (5) | (2) |
| Stock Repurchased | 0 | 0 | (11.0) | 0 | (1.6) | (4.7) | (15.8) | 0 | 0 | 0 | 0 |
| Dividends Paid | (1.1) | (0.6) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 151.4 | 377.2 | 255.2 | 46.7 | 297.1 | 247.5 | (27.7) | 95.8 | 63.7 | 43.6 | (0.2) |
| Financing Cash Flow | 150.4 | 288.3 | 411.2 | 667.7 | 274.4 | 276.5 | (8.5) | 128.8 | 175.3 | 38.6 | (2.2) |
| Cash Position | |||||||||||
| Net Change in Cash | (13.7) | 0.6 | 84.8 | (99.5) | 81.8 | 44.4 | (42.1) | 10.1 | 48.0 | (1.0) | (3.2) |
| Cash at Beginning | 139.8 | 139.2 | 54.4 | 153.9 | 72.1 | 27.7 | 69.8 | 59.7 | 11.7 | 12.7 | 15.8 |
| Cash at End | 126.2 | 139.8 | 139.2 | 54.4 | 153.9 | 72.1 | 27.7 | 69.8 | 59.7 | 11.7 | 12.7 |
| Free Cash Flow | 54.6 | 4.5 | 6.1 | 9.3 | 14.4 | (29.4) | 1.2 | 2.1 | 5.9 | 3.8 | 5.0 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 194.3 | 167.3 | 134.5 | 87.1 | 77.6 | 61.0 | 52.5 | 48.3 | 41.4 | 35.3 | 35.3 |
| Gross Profit | 105.9 | 79.8 | 72.9 | 46.9 | 66.6 | 47.1 | 39.9 | 37.6 | 32.9 | 29.4 | 29.3 |
| Operating Income | 39.5 | 15.7 | 5.9 | (36.8) | 33.6 | 5.2 | (6.0) | 3.8 | (3.0) | 2.4 | 3.8 |
| Net Income | 28.7 | 11.0 | 3.4 | (30.0) | 25.4 | 3.9 | (5.1) | 2.7 | (4.4) | 1.4 | 2.5 |
| EPS (Diluted) | 1.19 | 0.46 | 0.15 | -1.32 | 1.51 | 0.23 | -0.29 | 0.15 | -0.16 | 0.17 | 0.30 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 126.4 | 140.1 | 139.4 | 55.9 | 156.4 | 74.8 | 27.7 | 69.8 | 59.7 | 11.7 | 12.7 |
| Total Assets | 3,224.0 | 3,039.9 | 2,750.7 | 2,312.0 | 1,653.5 | 1,355.2 | 1,053.8 | 1,059.9 | 925.5 | 745.0 | 703.2 |
| Total Debt | 625.5 | 626.8 | 717.1 | 551.9 | 121.3 | 148.7 | 104.4 | 69.4 | 36.4 | 6 | 8 |
| Stockholders' Equity | 541.5 | 505.5 | 491.4 | 492.7 | 189.3 | 159.5 | 158.4 | 169.2 | 164.8 | 93.0 | 91.1 |
| Cash Flow | |||||||||||
| Operating Cash Flow | 55.6 | 7.2 | 6.5 | 9.8 | 18.6 | (27.5) | 5.0 | 7.9 | 8.6 | 4.3 | 5.2 |
| Capital Expenditure | (1.0) | (2.7) | (0.4) | (0.5) | (4.2) | (1.9) | (3.8) | (5.8) | (2.8) | (0.5) | (0.3) |
| Free Cash Flow | 54.6 | 4.5 | 6.1 | 9.3 | 14.4 | (29.4) | 1.2 | 2.1 | 5.9 | 3.8 | 5.0 |