Ponce Financial Group, Inc. (PDLB) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-127.6%

-$6.18

vs $22.44 price

Levered DCF

$22.61

After debt service

Piotroski score

7 / 9

Strong

Altman Z-score

-0.32

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	13.51×	28.26×	65.07×	-7.06×	9.54×	45.7×	-50.69×	84.93×
P/B	0.69×	0.58×	0.45×	0.43×	1.28×	1.1×	1.62×	1.34×
P/S	1.92×	1.74×	1.65×	2.43×	3.13×	2.87×	4.88×	4.7×
EV / EBITDA	19.68×	38.11×	77.05×	-21.72×	5.76×	32.13×	-87.01×	40.47×
Gross margin	54.5%	47.7%	54.2%	53.9%	85.9%	77.3%	76.0%	77.8%
Operating margin	20.3%	9.4%	4.4%	-42.3%	43.3%	8.6%	-11.5%	7.9%
Net margin	14.8%	6.6%	2.5%	-34.4%	32.8%	6.3%	-9.8%	5.5%
Current ratio	0.12×	0.14×	0.18×	0.16×	0.23×	0.09×	0.07×	0.12×
Debt / equity	1.15×	1.24×	1.46×	1.12×	0.64×	0.93×	0.66×	0.41×
Interest coverage	0.46×	0.18×	0.1×	-2.28×	4.07×	0.46×	-0.49×	0.4×
Dividend yield	0.3%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	3.9%	5.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	5.3%	2.2%	0.7%	-6.1%	13.4%	2.4%	-3.2%	1.6%
Return on invested capital	2.5%	1.0%	0.3%	-2.8%	5.7%	1.2%	-1.9%	1.1%
Return on assets	0.9%	0.4%	0.1%	-1.3%	1.5%	0.3%	-0.5%	0.3%
Free cash flow yield	14.6%	1.5%	2.7%	4.4%	5.9%	-16.8%	0.5%	0.9%
Earnings yield	7.7%	3.8%	1.5%	-14.2%	10.5%	2.2%	-2.0%	1.2%
Enterprise value	$872.4M	$778.4M	$799.7M	$707.5M	$207.8M	$249.1M	$333M	$226.5M
Net debt / EBITDA	11.26×	23.83×	55.66×	-15.23×	-0.97×	9.53×	-20.05×	-0.07×
Cash conversion cycle (days)	18	23	-22	50	51	67	25	27