PDLBPonce Financial Group, Inc.
Savings Institution, Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $481M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear202% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear20% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $25M | −$30M | $3M | $10M | $28M | 167% |
| Operating cash flow | $19M | $10M | $6M | $7M | $56M | 671% |
| Capex | $4M | $492K | $411K | $3M | $978K | 64% |
| Stock-based comp | $1M | $2M | $2M | $2M | $2M | 7.0% |
| Buybacks | $2M | — | $11M | — | — |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $2M | $2M | 217 | — |
| FY2024 | $1M | $2M | 173 | — |
| FY2023 | $4M | $4M | 130 | — |