Ponce Financial Group, Inc. (PDLB) — Financial statements
Income statement, balance sheet, and cash flow for Ponce Financial Group, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 194↑16.1% | 167↑24.4% | 134↑54.3% | 87↑12.3% | 78 | |
| Cost of Revenue | 88↑1.1% | 87↑42.1% | 62↑53.2% | 40↑266.4% | 11 | |
| Gross Profit | 106↑32.7% | 80↑9.5% | 73↑55.3% | 47↓29.6% | 67 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 40↑17.9% | 34↑1.4% | 33↑12.6% | 29↑20.6% | 24 | |
| Selling & Marketing Expenses | 0.63↓12.2% | 0.71↓13.5% | 0.83↑39.1% | 0.59↑187.9% | 0.21 | |
| SG&A Expenses | 40↑17.2% | 34↑1.0% | 34↑13.1% | 30↑22.0% | 25 | |
| Other Expenses | 26↓12.3% | 30↓9.9% | 33↓38.5% | 54↑545.1% | 8 | |
| Operating Expenses | 66↑3.5% | 64↓4.4% | 67↓20.0% | 84↑154.0% | 33 | |
| Total Costs & Expenses | 155↑2.1% | 152↑17.9% | 129↑3.7% | 124↑182.0% | 44 | |
| Operating Results | ||||||
| Operating Income | 40↑151.9% | 16↑168.0% | 6↑115.9% | -37↓209.6% | 34 | |
| Depreciation & Amortization | 4↓25.6% | 5↑4.7% | 5↑6.1% | 4↑72.5% | 2 | |
| EBITDA | 43↑110.7% | 20↑96.8% | 10↑131.9% | -33↓190.3% | 36 | |
| EBIT | 40↑151.9% | 16↑168.0% | 6↑115.9% | -37↓209.6% | 34 | |
| Interest & Other Income | ||||||
| Net Interest Income | 100↑30.5% | 76↑17.2% | 65↓2.0% | 67↑13.2% | 59 | |
| Interest Income | 186↑14.1% | 163↑29.2% | 126↑52.1% | 83↑23.3% | 67 | |
| Interest Expense | 86↓0.5% | 86↑42.2% | 61↑275.3% | 16↑95.7% | 8 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -1 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 38↑145.0% | 16↑168.0% | 6↑115.9% | -37↓209.6% | 34 | |
| Income Tax Expense | 10↑106.4% | 5↑88.4% | 3↑136.5% | -7↓183.4% | 8 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 29↑161.6% | 11↑227.3% | 3↑111.2% | -30↓218.0% | 25 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 29↑161.6% | 11↑227.3% | 3↑111.2% | -30↓218.0% | 25 | |
| Bottom-Line Net Income | 28↑166.9% | 10↑208.3% | 3↑111.2% | -30↓218.0% | 25 | |
| EPS (Basic) | 1.21↑163.0% | 0.46↑206.7% | 0.15↑111.4% | -1.32↓186.8% | 1.52 | |
| EPS (Diluted) | 1.19↑158.7% | 0.46↑206.7% | 0.15↑111.4% | -1.32↓187.4% | 1.51 | |
| Weighted Average Shares | 23↑1.8% | 22↓1.4% | 23↑0.2% | 23↑35.5% | 17 | |
| Weighted Average Diluted Shares | 23↑3.2% | 23↓1.2% | 23↑0.6% | 23↑35.1% | 17 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.