Ponce Financial Group, Inc. cash flow to debt ratio of 8.89% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Ponce Financial Group, Inc.'s free cash flow has increased 1.12K% from $4.49M last year to $54.62M, signaling increasing performance

Ponce Financial Group, Inc.'s debt to equity ratio is 1.16, which means that the company's assets are unhealthy financed, signaling financial risk.

Ponce Financial Group, Inc.'s debt has decreased relative to shareholder equity from 1.24 last year to 1.16 today, signaling strengthened financials

Ponce Financial Group, Inc. has a net debt to EBITDA ratio of 9.45x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Ponce Financial Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Ponce Financial Group, Inc.'s profit margin has increased (151.70%) in the last year from 6.56% to 16.51%, signaling increasing performance

Ponce Financial Group, Inc.'s short-term liabilities of $2.05B exceed its short-term assets of $236.50M, signaling financial risk

Ponce Financial Group, Inc.'s return on assets of 0.97% is lower than the 5.00% threshold, indicating inefficient asset utilization

Ponce Financial Group, Inc.'s return on equity of 6.18%, is lower than 15.00%, indicating bad performance

Ponce Financial Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Ponce Financial Group, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Ponce Financial Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Ponce Financial Group, Inc. has a free cash flow yield of 11.27%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Ponce Financial Group, Inc.'s yearly earnings has increased 161.60% since last year from $10.97M to $28.70M, signaling increasing performance

Ponce Financial Group, Inc.'s yearly revenue has increased 16.15% since last year from $167.29M to $194.31M, signaling increasing performance

ROIC 2.84% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Ponce Financial Group, Inc.'s 3-year revenue CAGR of 30.65% is positive, indicating growing revenue over the past 3 years

Ponce Financial Group, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Ponce Financial Group, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Ponce Financial Group, Inc. has insufficient data to evaluate this check.

Ponce Financial Group, Inc. has an earnings yield of 7.31%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Ponce Financial Group, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Ponce Financial Group, Inc. has an EV/EBITDA ratio of 20.71x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Ponce Financial Group, Inc. is overvalued relative to its fair value price of 13.94 based on Earnings Fair Value model

Ponce Financial Group, Inc. has a PEG-ratio under 1 which is considered undervalued

Ponce Financial Group, Inc. has a price-to-book ratio of 0.82x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Ponce Financial Group, Inc. has a price-to-sales ratio of 2.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue