Ponce Financial Group, Inc.PDLBNASDAQ

Revenue (LTM)

$194M

+16.1% YoY

Net Income (LTM)

$29M

+161.6% YoY

Free Cash Flow

$42M

Revenue CAGR (5Y)

+25.8%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	78	87↑12.3%	134↑54.3%	167↑24.4%	194↑16.1%
Gross Profit	67	47↓29.6%	73↑55.3%	80↑9.5%	106↑32.7%
Operating Income	34	-37↓209.6%	6↑115.9%	16↑168.0%	40↑151.9%
Net Income	25	-30↓218.0%	3↑111.2%	11↑227.3%	29↑161.6%
EBITDA	36	-33↓190.3%	10↑131.9%	20↑96.8%	43↑110.7%
EPS Diluted	1.51	-1.32↓187.4%	0.15↑111.4%	0.46↑206.7%	1.19↑158.7%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	156	56↓64.3%	139↑149.6%	140↑0.5%	29↓79.6%
Total Current Assets	282	200↓29.0%	277↑38.4%	263↓5.2%	2,738↑941.7%
Total Assets	1,654	2,312↑39.8%	2,751↑19.0%	3,040↑10.5%	3,224↑6.1%
Total Current Liabilities	1,220	1,254↑2.8%	1,520↑21.2%	1,889↑24.3%	1,076↓43.0%
Total Liabilities	1,464	1,819↑24.2%	2,259↑24.2%	2,534↑12.2%	2,682↑5.8%
Total Equity	189	493↑160.3%	491↓0.3%	506↑2.9%	542↑7.1%
Total Debt	121	552↑354.8%	717↑29.9%	627↓12.6%	655↑4.5%
Net Debt	-35	496↑1515.7%	578↑16.5%	487↓15.7%	626↑28.7%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	19	10↓47.2%	6↓33.7%	7↑11.1%	43↑496.0%
Capital Expenditure	-4	-0↑88.2%	-0↑16.5%	-3↓561.3%	-1↑64.0%
Free Cash Flow	14	9↓35.3%	6↓34.7%	4↓26.1%	42↑834.7%
Stock-Based Comp	3	3↑5.0%	3↑3.0%	4↑17.2%	0
Net Change in Cash	82	-100↓221.7%	85↑185.2%	1↓99.2%	0

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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