← Ponce Financial Group, Inc. PDLB
Market Price
$20.74
Market Cap
$501.17M
P/E Ratio
N/A
Revenue (FY 2025)
↑14.8% YoY
$194.94M
3-Yr CAGR: 32.8%
Net Income
↑166.9% YoY
$27.58M
Net Margin: 14.1%
Free Cash Flow
↑1,115.3% YoY
$54.62M
FCF Yield: 10.90%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
5.1%
ROA: 0.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (PDLB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2019 | $50.5M | — | $3.9M | $-5.1M | — | — | — | $5.0M | $1.2M | — |
| FY 2020 | $53.3M | +5.6% | $5.8M | $3.9M | +175.2% | — | — | $-27.5M | $-29.4M | -2,490.4% |
| FY 2021 | $86.3M | +61.7% | $29.1M | $25.4M | +559.6% | — | — | $18.6M | $14.4M | +148.9% |
| FY 2022 | $83.2M | -3.6% | $83.2M | $-30.0M | -218.0% | — | — | $9.8M | $9.3M | -35.3% |
| FY 2023 | $127.2M | +52.8% | $58.5M | $3.4M | +111.2% | — | — | $6.5M | $6.1M | -34.7% |
| FY 2024 | $169.8M | +33.6% | $83.7M | $10.3M | +208.3% | — | — | $7.2M | $4.5M | -26.1% |
| FY 2025 | $194.9M | +14.8% | $109.2M | $27.6M | +166.9% | — | — | $55.6M | $54.6M | +1,115.3% |
Valuation
Market Price
$20.74
Market Cap
$501.17M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
0.93
FCF Yield
10.90%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
56.03%
Operating Margin
19.14%
Net Margin
14.15%
Return on Equity (ROE)
5.09%
Return on Assets (ROA)
0.86%
Asset Turnover
0.06x
Revenue 3-Yr CAGR
32.82%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$126.15M
Total Debt
N/A
Book Value / Share
$22.39
Cash Flow Efficiency
Operating Cash Flow
$55.59M
Capital Expenditures (CapEx)
$978.00K
Free Cash Flow
$54.62M
OCF / Revenue
28.52%
FCF / Revenue
28.02%
FCF 3-Yr CAGR
80.37%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$22.39
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$3.22B
Total Liabilities
$3.22B
Stockholders' Equity
$541.55M
Current Assets
N/A
Current Liabilities
N/A