ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ponce Financial Group, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 11 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 44.72 MM
- NET PROFIT(HY) At USD 18.76 MM has Grown at 110.96%
- NII(Q) Highest at USD 28.23 MM
2
With ROA of 0.56%, it has a fair valuation with a 0.78 Price to Book Value
- Over the past year, while the stock has generated a return of 48.96%, its profits have risen by 161.6% ; the PEG ratio of the company is 0.1
3
High Institutional Holdings at 48.99%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating performance in long term as well as near term
- Along with generating 48.96% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Ponce Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ponce Financial Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Ponce Financial Group, Inc.
48.96%
4.85
23.89%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.31%
EBIT Growth (5y)
41.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
48.99%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.78
EV to EBIT
26.44
EV to EBITDA
23.01
EV to Capital Employed
0.88
EV to Sales
4.61
PEG Ratio
0.09
Dividend Yield
NA
ROCE (Latest)
3.33%
ROE (Latest)
5.30%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 44.72 MM
NET PROFIT(HY)
At USD 18.76 MM has Grown at 110.96%
NII(Q)
Highest at USD 28.23 MM
ROCE(HY)
Highest at 0.98%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 127.7%
-2What is not working for the Company
ROCE(HY)
Lowest at 0.98%
Here's what is working for Ponce Financial Group, Inc.
NII
Highest at USD 28.23 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At USD 18.76 MM has Grown at 110.96%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 44.72 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.75%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 127.7%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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