Estados financieros detallados de Ponce Financial Group, Inc. (PDLB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Ponce Financial Group, Inc. registró ingresos de $194.3M en el último ejercicio fiscal, con un CAGR de 5 años del 26.1%. El beneficio neto alcanzó $28.7M, con un CAGR a 5 años del 49.4%.
Márgenes de los últimos 12 meses: margen bruto 56.2%, margen operativo 22.6%, margen neto 16.5%.
Al precio actual de $20.52, PDLB cotiza a un P/E de 14.33 y un ROE del 6.18%. La capitalización bursátil es de $496M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $35.3M | $41.4M | $48.3M | $52.5M | $61.0M | $77.6M | $87.1M | $134.5M | $167.3M | $194.3M |
| Coste de Ventas | $5.9M | $8.5M | $10.7M | $12.6M | $13.8M | $11.0M | $40.2M | $61.6M | $87.5M | $88.4M |
| Beneficio Bruto | $29.4M | $32.9M | $37.6M | $39.9M | $47.1M | $66.6M | $46.9M | $72.9M | $79.8M | $105.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $16.5M | $18.0M | $18.8M | $19.7M | $23.4M | $24.7M | $30.1M | $34.0M | $34.4M | $40.3M |
| Gastos Operativos | $27.0M | $35.8M | $33.8M | $45.9M | $41.9M | $33.0M | $83.8M | $67.0M | $64.1M | $66.4M |
| Beneficio Operativo | $2.4M | -$3.0M | $3.8M | -$6.0M | $5.2M | $33.6M | -$36.8M | $5.9M | $15.7M | $39.5M |
| EBITDA | $4.2M | -$1.3M | $5.6M | -$3.8M | $7.8M | $36.1M | -$32.6M | $10.4M | $20.4M | $43.0M |
| Gastos por Intereses | $5.9M | $6.8M | $9.5M | $12.4M | $11.4M | $8.3M | $16.1M | $60.6M | $86.2M | $85.7M |
| Beneficio Antes de Impuestos | $2.4M | -$3.0M | $3.8M | -$6.0M | $5.2M | $33.6M | -$36.8M | $5.9M | $15.7M | $38.4M |
| Impuestos | $1.0M | $1.4M | $1.1M | -$924000 | $1.4M | $8.2M | -$6.8M | $2.5M | $4.7M | $9.7M |
| Beneficio Neto | $1.4M | -$4.4M | $2.7M | -$5.1M | $3.9M | $25.4M | -$30.0M | $3.4M | $11.0M | $28.7M |
| BPA | $0.17 | $-0.16 | $0.15 | $-0.29 | $0.23 | $1.52 | $-1.32 | $0.15 | $0.46 | $1.21 |
| BPA Diluido | $0.17 | $-0.16 | $0.15 | $-0.29 | $0.23 | $1.51 | $-1.32 | $0.15 | $0.46 | $1.19 |
| Acciones en Circulación (Diluidas) | $8.3M | $18.5M | $17.8M | $17.4M | $16.7M | $16.8M | $22.7M | $22.8M | $22.6M | $23.3M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $48.3M | $52.3M | $50.7M | $53.2M |
| Beneficio Bruto | $25.4M | $31.4M | $28.6M | $29.4M |
| Beneficio Operativo | $8.8M | $14.8M | $11.4M | $11.3M |
| EBITDA | $9.9M | $16.0M | $12.6M | $12.5M |
| Beneficio Neto | $6.5M | $10.1M | $8.6M | $8.5M |
| BPA | $0.27 | $0.43 | $0.36 | $0.36 |
| BPA Diluido | $0.27 | $0.42 | $0.36 | $0.35 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $11.7M | $59.7M | $69.8M | $27.7M | $74.8M | $156.4M | $55.9M | $139.4M | $140.1M | $126.4M |
| Inversiones a Corto | $52.7M | $28.9M | $27.1M | $21.5M | $17.5M | $113.3M | $129.5M | $119.9M | $105.0M | $92.2M |
| Cuentas por Cobrar | $2.7M | $3.3M | $3.8M | $4.0M | $11.4M | $12.4M | $15.0M | $18.0M | $17.8M | $17.9M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $67.1M | $92.0M | $100.7M | $53.2M | $103.7M | $282.1M | $200.4M | $277.4M | $262.8M | $236.5M |
| Inmovilizado Material | $26.0M | $27.2M | $31.1M | $32.7M | $32.0M | $19.6M | $50.9M | $47.3M | $45.9M | $43.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $3000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $745.0M | $925.5M | $1.06B | $1.05B | $1.36B | $1.65B | $2.31B | $2.75B | $3.04B | $3.22B |
| Cuentas por Pagar | $28000 | $42000 | $63000 | $97000 | $60000 | $228000 | $1.4M | $12.0M | $3.7M | $3.8M |
| Deuda a Corto | $3.0M | $20.0M | $25.0M | $11.0M | $118.8M | $15.1M | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $646.1M | $734.0M | $834.8M | $793.2M | $1.15B | $1.22B | $1.25B | $1.52B | $1.89B | $2.05B |
| Deuda a Largo | $3.0M | $16.4M | $44.4M | $93.4M | $29.9M | $106.3M | $517.4M | $684.4M | $596.1M | $596.1M |
| Pasivos Totales | $652.0M | $760.7M | $890.7M | $895.4M | $1.20B | $1.46B | $1.82B | $2.26B | $2.53B | $2.68B |
| Reservas | $99.2M | $94.9M | $98.8M | $93.7M | $97.5M | $123.0M | $93.0M | $97.4M | $107.8M | $135.3M |
| Patrimonio Neto | $93.0M | $164.8M | $169.2M | $158.4M | $159.5M | $189.3M | $492.7M | $491.4M | $505.5M | $541.5M |
| Deuda Total | $6.0M | $36.4M | $69.4M | $104.4M | $148.7M | $121.3M | $551.9M | $717.1M | $626.8M | $625.5M |
| Deuda Neta | -$58.4M | -$52.2M | -$27.5M | $55.2M | $56.4M | -$148.4M | $366.5M | $457.8M | $381.7M | $406.9M |
| Capital Circulante | -$579.0M | -$642.1M | -$734.1M | -$740.0M | -$1.04B | -$937.9M | -$1.05B | -$1.24B | -$1.63B | -$1.81B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $146.8M | $126.4M | $27.4M | $140.0M |
| Activos Totales | $3.16B | $3.22B | $3.30B | $3.49B |
| Pasivos Totales | $2.63B | $2.68B | $2.75B | $2.93B |
| Patrimonio Neto | $529.8M | $541.5M | $551.4M | $561.0M |
| Deuda Total | $551.1M | $625.5M | $600.5M | $650.0M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $1.4M | -$4.4M | $2.7M | -$5.1M | $3.9M | $25.4M | -$30.0M | $3.4M | $11.0M | $28.7M |
| Amortizaciones | $1.8M | $1.6M | $1.8M | $2.2M | $2.5M | $2.5M | $4.3M | $4.5M | $4.7M | $4.8M |
| Compensación en Acciones | 0 | $735000 | $713000 | $2.0M | $1.9M | $2.8M | $2.9M | $3.0M | $3.5M | $4.2M |
| Cambio en Capital Circulante | $1.0M | $2.7M | $1.6M | -$2.3M | -$33.1M | $4.3M | -$2.0M | -$4.5M | -$14.0M | $15.9M |
| Flujo de Caja Operativo | $4.3M | $8.6M | $7.9M | $5.0M | -$27.5M | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Inversiones (CapEx) | -$530000 | -$2.8M | -$5.8M | -$3.8M | -$1.9M | -$4.2M | -$492000 | -$411000 | -$2.7M | -$978000 |
| Adquisiciones | 0 | 0 | 0 | 0 | -$1.0M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | -$15.8M | -$4.7M | -$1.6M | 0 | -$11.0M | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$588000 | -$1.1M |
| Flujo de Caja Libre | $3.8M | $5.9M | $2.1M | $1.2M | -$29.4M | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $1.4M | $34.9M | $13.9M | $8.0M |
| Inversiones (CapEx) | $407000 | $35000 | -$47000 | -$3000 |
| Flujo de Caja Libre | $1.8M | $35.0M | $13.8M | $8.0M |
| Dividendos Pagados | -$281000 | -$281000 | -$281000 | -$282000 |
| Compensación en Acciones | -$435000 | $1.2M | $552000 | $745000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +17.1% | +16.8% | +8.6% | +16.2% | +27.3% | +12.3% | +54.3% | +24.4% | +16.1% |
| Crecimiento Beneficio Neto (anual) | | -407.9% | +161.0% | -291.4% | +175.2% | +559.6% | -218.0% | +111.2% | +227.3% | +161.6% |
| Crecimiento BPA (anual) | | -194.1% | +193.8% | -293.3% | +179.3% | +560.9% | -186.8% | +111.4% | +206.7% | +163.0% |
| Cambio en Acciones (anual) | | +122.2% | -3.5% | -2.1% | -4.3% | +0.6% | +35.1% | +0.6% | -1.2% | +3.2% |
| Crecimiento FCF (anual) | | +54.1% | -63.9% | -42.1% | -2490.4% | +148.9% | -35.3% | -34.7% | -26.1% | +1115.3% |
| Margen Bruto | 83.4% | 79.4% | 77.8% | 76.0% | 77.3% | 85.9% | 53.9% | 54.2% | 47.7% | 54.5% |
| Margen Operativo | 6.9% | -7.2% | 7.9% | -11.5% | 8.6% | 43.3% | -42.3% | 4.4% | 9.4% | 20.3% |
| Margen EBITDA | 12.0% | -3.2% | 11.6% | -7.3% | 12.7% | 46.5% | -37.4% | 7.7% | 12.2% | 22.1% |
| Margen Neto | 4.0% | -10.6% | 5.5% | -9.8% | 6.3% | 32.8% | -34.4% | 2.5% | 6.6% | 14.8% |
| Margen FCF | 10.8% | 14.2% | 4.4% | 2.3% | -48.2% | 18.5% | 10.7% | 4.5% | 2.7% | 28.1% |
| Tasa Impositiva Efectiva | 41.4% | -48.1% | 29.5% | 15.3% | 26.4% | 24.4% | 18.6% | 42.7% | 30.0% | 25.3% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.46 | $0.32 | $0.12 | $0.07 | $-1.76 | $0.86 | $0.41 | $0.27 | $0.20 | $2.35 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.03 | $0.05 |
| Acciones en Circulación (Básicas) | $8.3M | $18.5M | $17.8M | $17.4M | $16.7M | $16.7M | $22.7M | $22.7M | $22.4M | $22.8M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 6.18% |
| Rentabilidad sobre capital invertido | 2.84% |
| Rentabilidad sobre activos | 0.97% |
| Margen bruto | 56.15% |
| Margen operativo | 22.60% |
| Margen neto | 16.51% |
Salud financiera
| Deuda / Patrimonio | 1.16 |
| Ratio corriente | 0.17 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.43 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 87.65 | -94.62 | 84.93 | -50.69 | 45.70 | 9.54 | -7.06 | 65.07 | 28.26 | 13.51 |
| P/VC | 1.33 | 1.70 | 1.34 | 1.62 | 1.10 | 1.28 | 0.43 | 0.45 | 0.58 | 0.69 |
| P/V | 3.51 | 6.76 | 4.70 | 4.88 | 2.87 | 3.13 | 2.43 | 1.65 | 1.74 | 1.92 |
| Margen Bruto | 83.4% | 79.4% | 77.8% | 76.0% | 77.3% | 85.9% | 53.9% | 54.2% | 47.7% | 54.5% |
| Margen Operativo | 6.9% | -7.2% | 7.9% | -11.5% | 8.6% | 43.3% | -42.3% | 4.4% | 9.4% | 20.3% |
| Margen Neto | 4.0% | -10.6% | 5.5% | -9.8% | 6.3% | 32.8% | -34.4% | 2.5% | 6.6% | 14.8% |