Reported Earnings • May 27
First quarter 2026 earnings released: EPS: ₪0.11 (vs ₪0.10 in 1Q 2025) First quarter 2026 results: EPS: ₪0.11 (up from ₪0.10 in 1Q 2025). Revenue: ₪14.4m (up 25% from 1Q 2025). Net income: ₪4.10m (up 8.7% from 1Q 2025). Profit margin: 28% (down from 33% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • Feb 25
Full year 2025 earnings released: EPS: ₪0.47 (vs ₪0.36 in FY 2024) Full year 2025 results: EPS: ₪0.47 (up from ₪0.36 in FY 2024). Revenue: ₪56.6m (up 32% from FY 2024). Net income: ₪18.2m (up 37% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has increased by 34% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Feb 20
Payment Financial Technologies Ltd to Report Fiscal Year 2025 Results on Feb 23, 2026 Payment Financial Technologies Ltd announced that they will report fiscal year 2025 results on Feb 23, 2026 Reported Earnings • Nov 20
Third quarter 2025 earnings released: EPS: ₪0.13 (vs ₪0.11 in 3Q 2024) Third quarter 2025 results: EPS: ₪0.13 (up from ₪0.11 in 3Q 2024). Revenue: ₪16.2m (up 28% from 3Q 2024). Net income: ₪5.01m (up 20% from 3Q 2024). Profit margin: 31% (down from 33% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Nov 19
Payment Financial Technologies Ltd, Annual General Meeting, Dec 23, 2025 Payment Financial Technologies Ltd, Annual General Meeting, Dec 23, 2025. Location: co. offices, Israel Announcement • Nov 14
Payment Financial Technologies Ltd to Report Q3, 2025 Results on Nov 17, 2025 Payment Financial Technologies Ltd announced that they will report Q3, 2025 results on Nov 17, 2025 Valuation Update With 7 Day Price Move • Nov 13
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to ₪5.14, the stock trades at a trailing P/E ratio of 12.4x. Average trailing P/E is 12x in the Diversified Financial industry in Israel. Total returns to shareholders of 89% over the past three years. Buy Or Sell Opportunity • Nov 10
Now 23% overvalued after recent price rise Over the last 90 days, the stock has risen 6.0% to ₪4.56. The fair value is estimated to be ₪3.70, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 28% over the last 3 years. Earnings per share has grown by 23%. Reported Earnings • Aug 12
Second quarter 2025 earnings released: EPS: ₪0.11 (vs ₪0.06 in 2Q 2024) Second quarter 2025 results: EPS: ₪0.11 (up from ₪0.06 in 2Q 2024). Revenue: ₪13.3m (up 51% from 2Q 2024). Net income: ₪4.24m (up 84% from 2Q 2024). Profit margin: 32% (up from 26% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings. Buy Or Sell Opportunity • Aug 10
Now 29% overvalued after recent price rise Over the last 90 days, the stock has risen 11% to ₪4.29. The fair value is estimated to be ₪3.31, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 33% over the last 3 years. Earnings per share has grown by 31%. Buy Or Sell Opportunity • May 29
Now 20% overvalued The stock has been flat over the last 90 days, currently trading at ₪4.06. The fair value is estimated to be ₪3.38, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 41% over the last 3 years. Meanwhile, the company has become profitable. Upcoming Dividend • May 22
Upcoming dividend of ₪0.051 per share Eligible shareholders must have bought the stock before 26 May 2025. Payment date: 05 June 2025. Payout ratio is a comfortable 38% but the company is paying out more than the cash it is generating. Trailing yield: 3.4%. Lower than top quartile of Israeli dividend payers (6.1%). In line with average of industry peers (3.4%). Buy Or Sell Opportunity • Mar 09
Now 21% overvalued after recent price rise Over the last 90 days, the stock has risen 28% to ₪4.09. The fair value is estimated to be ₪3.39, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 41% over the last 3 years. Meanwhile, the company has become profitable. Reported Earnings • Feb 21
Full year 2024 earnings released: EPS: ₪0.36 (vs ₪0.28 in FY 2023) Full year 2024 results: EPS: ₪0.36 (up from ₪0.28 in FY 2023). Revenue: ₪43.0m (up 12% from FY 2023). Net income: ₪13.3m (up 29% from FY 2023). Profit margin: 31% (up from 27% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 43% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Announcement • Feb 17
Payment Financial Technologies Ltd to Report Q4, 2024 Results on Feb 19, 2025 Payment Financial Technologies Ltd announced that they will report Q4, 2024 results on Feb 19, 2025 Buy Or Sell Opportunity • Feb 02
Now 22% overvalued after recent price rise Over the last 90 days, the stock has risen 82% to ₪4.74. The fair value is estimated to be ₪3.89, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 45% over the last 3 years. Meanwhile, the company has become profitable. Valuation Update With 7 Day Price Move • Jan 05
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ₪3.75, the stock trades at a trailing P/E ratio of 13.4x. Average trailing P/E is 11x in the Diversified Financial industry in Israel. Total loss to shareholders of 33% over the past three years. Announcement • Nov 28
Payment Financial Technologies Ltd, Annual General Meeting, Dec 31, 2024 Payment Financial Technologies Ltd, Annual General Meeting, Dec 31, 2024. Location: co. offices, Israel Upcoming Dividend • Nov 19
Upcoming dividend of ₪0.054 per share Eligible shareholders must have bought the stock before 26 November 2024. Payment date: 03 December 2024. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 4.5%. Lower than top quartile of Israeli dividend payers (6.2%). Higher than average of industry peers (3.1%). Buy Or Sell Opportunity • Nov 18
Now 20% undervalued Over the last 90 days, the stock has risen 8.2% to ₪2.97. The fair value is estimated to be ₪3.72, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 45% over the last 3 years. Meanwhile, the company has become profitable. Reported Earnings • Nov 18
Third quarter 2024 earnings released: EPS: ₪0.11 (vs ₪0.06 in 3Q 2023) Third quarter 2024 results: EPS: ₪0.11 (up from ₪0.06 in 3Q 2023). Revenue: ₪12.7m (up 40% from 3Q 2023). Net income: ₪4.19m (up 92% from 3Q 2023). Profit margin: 33% (up from 24% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 46% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings. Announcement • Nov 16
Payment Financial Technologies Ltd (TASE:PMNT) announces an Equity Buyback for ILS 5 million worth of its shares. Payment Financial Technologies Ltd (TASE:PMNT) announces a share repurchase program. Under the program, the company will repurchase up to ILS 5 million worth of its common stock. The repurchases will be funded from company's independent sources. The program will be valid till November 18, 2026. Valuation Update With 7 Day Price Move • Nov 15
Investor sentiment improves as stock rises 19% After last week's 19% share price gain to ₪2.97, the stock trades at a trailing P/E ratio of 13.2x. Average trailing P/E is 10x in the Diversified Financial industry in Israel. Total loss to shareholders of 31% over the past three years. Announcement • Nov 12
Payment Financial Technologies Ltd to Report Q3, 2024 Results on Nov 14, 2024 Payment Financial Technologies Ltd announced that they will report Q3, 2024 results on Nov 14, 2024 Reported Earnings • Aug 28
Second quarter 2024 earnings released: EPS: ₪0.06 (vs ₪0.11 in 2Q 2023) Second quarter 2024 results: EPS: ₪0.06 (down from ₪0.11 in 2Q 2023). Revenue: ₪8.78m (down 24% from 2Q 2023). Net income: ₪2.31m (down 44% from 2Q 2023). Profit margin: 26% (down from 35% in 2Q 2023). The decrease in margin was driven by lower revenue. Announcement • Aug 25
Payment Financial Technologies Ltd to Report Q2, 2024 Results on Aug 26, 2024 Payment Financial Technologies Ltd announced that they will report Q2, 2024 results on Aug 26, 2024 Announcement • May 22
Payment Financial Technologies Ltd to Report Q1, 2024 Results on May 21, 2024 Payment Financial Technologies Ltd announced that they will report Q1, 2024 results on May 21, 2024 Upcoming Dividend • Mar 03
Upcoming dividend of ₪0.054 per share Eligible shareholders must have bought the stock before 10 March 2024. Payment date: 18 March 2024. Payout ratio is a comfortable 49% but the company is not cash flow positive. Trailing yield: 4.4%. Lower than top quartile of Israeli dividend payers (6.9%). In line with average of industry peers (4.2%). Reported Earnings • Feb 27
Full year 2023 earnings released: EPS: ₪0.28 (vs ₪0.26 in FY 2022) Full year 2023 results: EPS: ₪0.28 (up from ₪0.26 in FY 2022). Revenue: ₪38.5m (up 61% from FY 2022). Net income: ₪10.3m (up 17% from FY 2022). Profit margin: 27% (down from 37% in FY 2022). The decrease in margin was driven by higher expenses. Announcement • Feb 22
Payment Financial Technologies Ltd, Annual General Meeting, Mar 26, 2024 Payment Financial Technologies Ltd, Annual General Meeting, Mar 26, 2024, at 12:00 Israel Standard Time. Reported Earnings • Dec 28
Third quarter 2023 earnings released: EPS: ₪0.06 (vs ₪0.04 in 3Q 2022) Third quarter 2023 results: EPS: ₪0.06 (up from ₪0.04 in 3Q 2022). Revenue: ₪9.05m (up 57% from 3Q 2022). Net income: ₪2.19m (up 52% from 3Q 2022). Profit margin: 24% (in line with 3Q 2022). Announcement • Dec 26
Payment Financial Technologies Ltd to Report Q3, 2023 Results on Dec 28, 2023 Payment Financial Technologies Ltd announced that they will report Q3, 2023 results on Dec 28, 2023 Valuation Update With 7 Day Price Move • Nov 09
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ₪3.87, the stock trades at a trailing P/E ratio of 12.4x. Average trailing P/E is 5x in the Diversified Financial industry in Israel. Total returns to shareholders of 5.9% over the past year. Upcoming Dividend • Aug 10
Upcoming dividend of ₪0.081 per share at 2.0% yield Eligible shareholders must have bought the stock before 17 August 2023. Payment date: 24 August 2023. Payout ratio is a comfortable 26% but the company is not cash flow positive. Trailing yield: 2.0%. Lower than top quartile of Israeli dividend payers (7.0%). Lower than average of industry peers (4.5%). Reported Earnings • Aug 05
Second quarter 2023 earnings released: EPS: ₪0.11 (vs ₪0.09 in 2Q 2022) Second quarter 2023 results: EPS: ₪0.11 (up from ₪0.09 in 2Q 2022). Revenue: ₪11.6m (up 100% from 2Q 2022). Net income: ₪4.10m (up 43% from 2Q 2022). Profit margin: 35% (down from 50% in 2Q 2022). The decrease in margin was driven by higher expenses. New Risk • Aug 03
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Israeli stocks, typically moving 6.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (28% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (6.7% average weekly change). Shareholders have been diluted in the past year (15% increase in shares outstanding). Market cap is less than US$100m (₪154.3m market cap, or US$42.0m). Announcement • May 23
Payment Financial Technologies Ltd to Report Q1, 2023 Results on May 21, 2023 Payment Financial Technologies Ltd announced that they will report Q1, 2023 results on May 21, 2023 Valuation Update With 7 Day Price Move • May 03
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ₪3.56, the stock trades at a trailing P/E ratio of 14.9x. Average trailing P/E is 8x in the Consumer Finance industry in Israel. Total loss to shareholders of 35% over the past year. Announcement • Oct 26
Payment Financial Technologies Ltd to Report Q3, 2022 Results on Oct 31, 2022 Payment Financial Technologies Ltd announced that they will report Q3, 2022 results on Oct 31, 2022 Announcement • Aug 16
Payment Financial Technologies Ltd announced that it has received ILS 2.3 million in funding from Y.D. More Investments Ltd Payment Financial Technologies Ltd announced a private placement of common shares for gross proceeds of ILS 2.3 million on August 14, 2022. The transaction included participation from Y.D. More Investments Ltd. Announcement • Jul 23
Payment Financial Technologies Ltd to Report Q2, 2022 Results on Jul 26, 2022 Payment Financial Technologies Ltd announced that they will report Q2, 2022 results on Jul 26, 2022 Announcement • Feb 26
Payment Financial Technologies Ltd to Report Q4, 2021 Results on Mar 01, 2022 Payment Financial Technologies Ltd announced that they will report Q4, 2021 results on Mar 01, 2022