Ponce Financial Group, Inc. — Earnings Quality Grade F
PDLB · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 60 days, change -20 days YoY
AR growth 0.8% vs revenue growth 33.5%
Revenue 33.5%, CFFO 670.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -64.0% vs revenue 33.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.94. Profits backed by cash
FCF $0.1B, FCF/NI = 1.90
Accruals ratio = -0.8%. Low accruals
Cash $0.1B covers only 20% of debt $0.6B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Ponce Financial Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25