PONCE FINANCIAL GROUP INC Financials

PDLB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows PONCE FINANCIAL GROUP INC (PDLB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 47/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

PONCE FINANCIAL GROUP INC's revenue surged 29.2% year-over-year to $162.6M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

PONCE FINANCIAL GROUP INC carries a low D/E ratio of 1.18, meaning only $1.18 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 67/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

PONCE FINANCIAL GROUP INC's free cash flow margin of 2.8% results in a low score of 14/100. Capital expenditures of $2.7M absorb a large share of operating cash flow.

Returns

PONCE FINANCIAL GROUP INC generates a 2.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is up from 0.7% the prior year.

Piotroski F-Score Neutral

5/9

PONCE FINANCIAL GROUP INC passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.66x

For every $1 of reported earnings, PONCE FINANCIAL GROUP INC generates $0.66 in operating cash flow ($7.2M OCF vs $11.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$162.6M

YoY+29.2%

5Y CAGR+26.4%

PONCE FINANCIAL GROUP INC generated $162.6M in revenue in fiscal year 2024. This represents an increase of 29.2% from the prior year.

EBITDA

N/A

Free Cash Flow

$4.5M

YoY-26.1%

5Y CAGR+29.6%

PONCE FINANCIAL GROUP INC generated $4.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 26.1% from the prior year.

Net Income

$11.0M

YoY+227.3%

PONCE FINANCIAL GROUP INC reported $11.0M in net income in fiscal year 2024. This represents an increase of 227.3% from the prior year.

EPS (Diluted)

$0.46

YoY+206.7%

PONCE FINANCIAL GROUP INC earned $0.46 per diluted share (EPS) in fiscal year 2024. This represents an increase of 206.7% from the prior year.

Cash & Debt

$139.8M

YoY+0.5%

5Y CAGR+38.3%

PONCE FINANCIAL GROUP INC held $139.8M in cash against $596.1M in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

24M

YoY+0.7%

PONCE FINANCIAL GROUP INC had 24M shares outstanding in fiscal year 2024. This represents an increase of 0.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.8%

YoY+4.1pp

5Y CAGR+16.9pp

PONCE FINANCIAL GROUP INC's net profit margin was 6.8% in fiscal year 2024, showing the share of revenue converted to profit. This is up 4.1 percentage points from the prior year.

Return on Equity

2.2%

YoY+1.5pp

PONCE FINANCIAL GROUP INC's ROE was 2.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$2.7M

YoY+561.3%

5Y CAGR-6.6%

PONCE FINANCIAL GROUP INC invested $2.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 561.3% from the prior year.

PDLB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$162.6M+29.2%	$125.9M+52.1%	$82.8M+23.3%	$67.1M+25.8%	$53.3M+5.6%	$50.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$86.2M+42.2%	$60.6M+275.3%	$16.1M+95.7%	$8.3M-27.4%	$11.4M-8.0%	$12.4M
Income Tax	$4.7M+88.4%	$2.5M+136.5%	-$6.8M-183.4%	$8.2M+494.0%	$1.4M+249.6%	-$924K
Net Income	$11.0M+227.3%	$3.4M+111.2%	-$30.0M-218.0%	$25.4M+559.6%	$3.9M+175.2%	-$5.1M
EPS (Diluted)	$0.46+206.7%	$0.15+111.4%	$-1.32-187.4%	$1.51+556.5%	$0.23+179.3%	$-0.29

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$46.8M+2.2%	$45.9M+4.2%	$44.0M+2.6%	$42.9M+10.6%	$38.8M-2.2%	$39.7M+13.5%	$35.0M+4.3%	$33.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.6M+0.8%	$21.4M-1.7%	$21.8M-1.8%	$22.2M+6.3%	$20.9M+0.2%	$20.8M+21.2%	$17.2M+1.4%	$17.0M
Income Tax	$2.3M+19.0%	$1.9M-6.5%	$2.0M+32.0%	$1.5M+28.0%	$1.2M-11.1%	$1.3M+204.5%	$442K-74.4%	$1.7M
Net Income	$6.5M+6.7%	$6.1M+2.4%	$6.0M+103.2%	$2.9M-8.1%	$3.2M+32.2%	$2.4M+366.0%	$518K-80.0%	$2.6M
EPS (Diluted)	$0.27+8.0%	$0.250.0%	$0.25+127.3%	$0.11-21.4%	$0.14+27.3%	$0.11+450.0%	$0.02-83.3%	$0.12

PDLB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$3.0B+10.5%	$2.8B+19.0%	$2.3B+39.8%	$1.7B+22.0%	$1.4B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$139.8M+0.5%	$139.2M+156.1%	$54.4M-64.7%	$153.9M+113.5%	$72.1M+160.4%	$27.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.5B+12.2%	$2.3B+24.2%	$1.8B+24.2%	$1.5B+22.5%	$1.2B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$596.1M-12.9%	$684.4M+32.3%	$517.4M	N/A	N/A	N/A
Total Equity	$505.5M+2.9%	$491.4M-0.3%	$492.7M+160.3%	$189.3M+18.6%	$159.5M+0.7%	$158.4M
Retained Earnings	$107.8M+10.6%	$97.4M+4.8%	$93.0M-24.4%	$123.0M+26.1%	$97.5M	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$3.2B+0.1%	$3.2B+2.1%	$3.1B+1.6%	$3.0B+7.0%	$2.8B+0.8%	$2.8B+2.5%	$2.8B+4.8%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$146.6M+15.7%	$126.6M-2.5%	$129.9M-7.1%	$139.8M+35.5%	$103.2M-23.4%	$134.7M-3.2%	$139.2M+19.0%	$117.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.6B-0.2%	$2.6B+2.2%	$2.6B+1.6%	$2.5B+8.1%	$2.3B+0.8%	$2.3B+2.9%	$2.3B+5.6%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$521.1M-2.8%	$536.1M+2.9%	$521.1M-12.6%	$596.1M-12.4%	$680.4M0.0%	$680.4M-0.6%	$684.4M+1.4%	$675.1M
Total Equity	$529.8M+1.7%	$521.1M+1.4%	$513.9M+1.7%	$505.5M+1.6%	$497.7M+0.8%	$493.7M+0.5%	$491.4M+1.3%	$485.1M
Retained Earnings	$125.5M+5.2%	$119.3M+5.1%	$113.4M+5.3%	$107.8M+4.7%	$103.0M+3.1%	$99.8M+2.5%	$97.4M+0.5%	$96.9M

PDLB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$7.2M+11.1%	$6.5M-33.7%	$9.8M-47.2%	$18.6M+167.5%	-$27.5M-645.0%	$5.0M
Capital Expenditures	$2.7M+561.3%	$411K-16.5%	$492K-88.2%	$4.2M+119.3%	$1.9M-50.2%	$3.8M
Free Cash Flow	$4.5M-26.1%	$6.1M-34.7%	$9.3M-35.3%	$14.4M+148.9%	-$29.4M-2490.4%	$1.2M
Investing Cash Flow	-$294.9M+11.4%	-$332.9M+57.2%	-$777.1M-268.0%	-$211.1M-3.2%	-$204.6M-429.1%	-$38.7M
Financing Cash Flow	$288.3M-29.9%	$411.2M-38.4%	$667.7M+143.3%	$274.4M-0.8%	$276.5M+3361.4%	-$8.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	$11.0M	N/A	$1.6M-65.9%	$4.7M-70.1%	$15.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$1.4M-77.5%	$6.2M-52.8%	$13.1M-42.8%	$22.9M+995.7%	-$2.6M-274.7%	$1.5M+270.7%	-$856K-112.1%	$7.1M
Capital Expenditures	$606K+139.5%	$253K+64.3%	$154K-67.6%	$476K+580.0%	$70K-96.1%	$1.8M+4231.7%	$41K-6.8%	$44K
Free Cash Flow	$786K-86.7%	$5.9M-54.2%	$12.9M-42.2%	$22.4M+953.6%	-$2.6M-732.7%	-$315K+64.9%	-$897K-112.8%	$7.0M
Investing Cash Flow	$23.2M+137.8%	-$61.4M+9.5%	-$67.8M+1.4%	-$68.8M-39.5%	-$49.3M+38.5%	-$80.1M+13.7%	-$92.8M-15.8%	-$80.2M
Financing Cash Flow	-$4.6M-108.9%	$52.0M+16.0%	$44.8M+49.6%	$29.9M+47.6%	$20.3M-72.6%	$74.2M-36.0%	$115.8M+315.7%	-$53.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$5.8M

PDLB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.8%+4.1pp	2.7%+38.9pp	-36.3%-74.1pp	37.9%+30.7pp	7.2%+17.4pp	-10.2%
Return on Equity	2.2%+1.5pp	0.7%	N/A	13.4%+11.0pp	2.4%	N/A
Return on Assets	0.4%+0.2pp	0.1%+1.4pp	-1.3%-2.8pp	1.5%+1.3pp	0.3%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.18-0.2	1.39+0.3	1.05-6.7	7.74+0.2	7.49	N/A
FCF Margin	2.8%-2.1pp	4.8%-6.4pp	11.3%-10.2pp	21.4%+76.6pp	-55.1%-57.6pp	2.4%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.9%+0.6pp	13.3%-0.2pp	13.5%+6.7pp	6.8%-1.4pp	8.2%+2.1pp	6.1%+4.6pp	1.5%-6.2pp	7.7%
Return on Equity	1.2%+0.1pp	1.2%+0.0pp	1.2%+0.6pp	0.6%-0.1pp	0.6%+0.2pp	0.5%+0.4pp	0.1%-0.4pp	0.5%
Return on Assets	0.2%+0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%-0.0pp	0.1%+0.0pp	0.1%+0.1pp	0.0%-0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.98-0.0	1.03+0.0	1.01-0.2	1.18-0.2	1.37-0.0	1.38-0.0	1.390.0	1.39
FCF Margin	1.7%-11.2pp	12.9%-16.5pp	29.4%-22.8pp	52.2%+59.0pp	-6.8%-6.0pp	-0.8%+1.8pp	-2.6%-23.5pp	20.9%

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Frequently Asked Questions

What is PONCE FINANCIAL GROUP INC's annual revenue?

PONCE FINANCIAL GROUP INC (PDLB) reported $162.6M in total revenue for fiscal year 2024. This represents a 29.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PONCE FINANCIAL GROUP INC's revenue growing?

PONCE FINANCIAL GROUP INC (PDLB) revenue grew by 29.2% year-over-year, from $125.9M to $162.6M in fiscal year 2024.

Is PONCE FINANCIAL GROUP INC profitable?

Yes, PONCE FINANCIAL GROUP INC (PDLB) reported a net income of $11.0M in fiscal year 2024, with a net profit margin of 6.8%.

What is PONCE FINANCIAL GROUP INC's earnings per share (EPS)?

PONCE FINANCIAL GROUP INC (PDLB) reported diluted earnings per share of $0.46 for fiscal year 2024. This represents a 206.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does PONCE FINANCIAL GROUP INC have?

As of fiscal year 2024, PONCE FINANCIAL GROUP INC (PDLB) had $139.8M in cash and equivalents against $596.1M in long-term debt.

What is PONCE FINANCIAL GROUP INC's net profit margin?

PONCE FINANCIAL GROUP INC (PDLB) had a net profit margin of 6.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is PONCE FINANCIAL GROUP INC's return on equity (ROE)?

PONCE FINANCIAL GROUP INC (PDLB) has a return on equity of 2.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is PONCE FINANCIAL GROUP INC's free cash flow?

PONCE FINANCIAL GROUP INC (PDLB) generated $4.5M in free cash flow during fiscal year 2024. This represents a -26.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is PONCE FINANCIAL GROUP INC's operating cash flow?

PONCE FINANCIAL GROUP INC (PDLB) generated $7.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are PONCE FINANCIAL GROUP INC's total assets?

PONCE FINANCIAL GROUP INC (PDLB) had $3.0B in total assets as of fiscal year 2024, including both current and long-term assets.

What are PONCE FINANCIAL GROUP INC's capital expenditures?

PONCE FINANCIAL GROUP INC (PDLB) invested $2.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does PONCE FINANCIAL GROUP INC have outstanding?

PONCE FINANCIAL GROUP INC (PDLB) had 24M shares outstanding as of fiscal year 2024.

What is PONCE FINANCIAL GROUP INC's debt-to-equity ratio?

PONCE FINANCIAL GROUP INC (PDLB) had a debt-to-equity ratio of 1.18 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is PONCE FINANCIAL GROUP INC's return on assets (ROA)?

PONCE FINANCIAL GROUP INC (PDLB) had a return on assets of 0.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is PONCE FINANCIAL GROUP INC's Piotroski F-Score?

PONCE FINANCIAL GROUP INC (PDLB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are PONCE FINANCIAL GROUP INC's earnings high quality?

PONCE FINANCIAL GROUP INC (PDLB) has an earnings quality ratio of 0.66x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is PONCE FINANCIAL GROUP INC?

PONCE FINANCIAL GROUP INC (PDLB) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.