Fundamental Analysis of Ponce Financial Group Inc - Growth / Value Index


PDLB - Valuation Highlights

Valuation Analysis

   Undervalued - Price to Intrinsic Value of 0.431
   Price to Book Ratio is 0.400 indicating that it is undervalued.
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 36.48 -31.41 -543.30 %
Price to Book 0.404 0.408 37.17 % 0.398
Price to Sales 1.70 2.78 34.79 %
Enterprise Value to EBITDA Multiple 107.37 24.86 180.06 %


PDLB - Profitability Highlights

Profitability Analysis

   Excellent QoQ /QoQ FY EPS growth
   EBITDA is continuously increasing for last 3 Years
   Piotroski F Score - Very Poor Value of 1.0
   Very Low Dividend Yield of 0 %
   Low Earning Yield of 2.76 %
   Negative Net profit for last two years
   In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 1.11 -1.30 78.68 % 0.489
Return On Asset 0.203 -0.232 82.13 % 0.086
Net Profit Margin 4.66 -8.86 79.05 % 5.83
Operating Profit Margin 32.58 153.89 537.52 % 8.95
EBITDA Margin 10.27 71.33 344.59 % 0.128


Highlights
Market Cap209066 K
Enterprise Value1285.74 M
Price/Book TTM0.404
Outstanding Share23811.70 K
Float/ Outstanding Share70.78%
Dividend Yield0 %
Share Holding
Guru Numbers
Price/Graham No0.813
Peter Lynch Ratio0
Piotroski F Score1.00
Altman Z Score0.187
Sloan Ratio0.0085
Peter Lynch Fair Value6.02


PDLB - Growth Highlights

Growth Analysis

   Short term positive trend in total sale and net profit
   Annual sales of the company is increased for three years in a row
   Quarterly sales in last 5 years is trending up
   Steady increase in Total Assets for last 3 Years
   Tsr Growth Index - Poor Score of 34.14
   Operating Cash Flow decreasing for last 3 year
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 116604 K 1.49 % 15.24 %
Gross Profit 95888.00 K 87.99 % 42.39 %
EBITDA 11975.00 K 348.24 % 99.33 %
Net Profit 5435.00 K 78.73 % 366.02 %
EPS 0.241 84.46 % NA


PDLB - Stability Highlights

Stability Analysis

   Tsr Stability Index - Very Poor Score of 10.94
   Altman Z Score of 0.187 suggest high risk
   Company has high debt burden
   Company is unable to generate enough free cash to support the business.
   Interest Coverage of 0.876
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 2.13 90.34 % 1.38
Cash Ratio -0.0270 -100.50 %
Quick Ratio 1.91 -96.31 % 2.66
Shareholders Equity 17.86 -16.17 %
Debt to EBITDA 20.39 176.47 %


Historical Valuation Ratios of Ponce Financial Group Inc

Historical Valuation Ratios
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Historical Profitability Ratios of Ponce Financial Group Inc

Historical Profitability Ratios
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Historical Efficiency Ratios of Ponce Financial Group Inc

Historical Efficiency Ratios
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Historical Solvency Ratios of Ponce Financial Group Inc

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)