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Q1 '26Q4 '25Q3 '25Q2 '25Q1 '25
Profitability
Net margin27.3%+1.0pp26.3%+4.9pp21.4%+2.8pp18.5%+2.0pp16.5%+3.4pp
Free cash flow margin48.3%-1.7pp50%+8.2pp41.8%+13.8pp27.9%+7.7pp20.2%+14.8pp
Returns
Return on equity5.9%+0.4pp5.5%+1.3pp4.2%+0.7pp3.4%+0.5pp2.9%+0.7pp
Return on assets1%+0.1pp0.9%+0.2pp0.7%+0.1pp0.6%+0.1pp0.5%+0.1pp
Efficiency
Asset turnover0.0×0.0×0.0×0.0×0.0×
Leverage
Debt-to-equity1.5×-0.1×1.6×+0.2×1.4×-0.1×1.5×0.0×1.5×-0.2×
Debt-to-assets0.2×0.0×0.3×0.0×0.2×0.0×0.2×0.0×0.2×0.0×
Per Share
Book value per share$23.63+0.6%$23.48+2.5%$22.90+0.9%$22.71+1.1%$22.46+0.2%
Valuation
Market capitalization$472.87M+49.4%$392.42M+17.3%$334.66M+3.2%$324.27M+12.9%$287.16M-7.2%
Enterprise value$1.26B+21.3%$1.21B+14.9%$1.06B+0.1%$1.06B+4.7%$1.01B-8.5%
Price / earnings15.1×-6.7×13.7×-1.9×15.6×-3.0×18.6×-1.2×19.8×-8.4×
Price / sales4.1×+0.5×3.6×+0.3×3.3×-0.1×3.4×+0.2×3.3×-0.4×
Price / book0.9×+0.2×0.7×+0.1×0.6×0.0×0.6×+0.1×0.6×-0.1×
EV / sales10.9×-0.9×11.1×+0.6×10.5×-0.7×11.2×-0.3×11.5×-1.7×
Free cash flow yield11.7%+6.1pp13.9%+1.4pp12.6%+4.5pp8.1%+1.9pp6.2%+4.7pp
Earnings yield6.6%+2.0pp7.3%+0.9pp6.4%+1.1pp5.4%+0.3pp5.1%+1.5pp
PEG ratio0.1×0.0×0.1×0.0×0.1×-0.1×0.2×+0.1×0.1×0.0×

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Questions, answered.

Where do Ponce Financial Group, Inc.'s ratios come from?
Every ratio is computed from Ponce Financial Group, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.