Ponce Financial (PDLB) Interest Coverage Ratio (2020 - 2026)
Ponce Financial (PDLB) posted Interest Coverage Ratio of 1.3 for Q1 2026, down 21.81% sequentially from 1.66 in Q4 2025, and up 8.59% YoY from 1.19 in Q1 2025.
Ponce Financial (PDLB) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
Ponce Financial has reported Interest Coverage Ratio for 7 years, with the latest figure at 1.3 in Q1 2026.
- Quarterly Interest Coverage Ratio rose 8.59% year-over-year to 1.3 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.24 (up 28.47% YoY) and the FY2025 annual result came in at 1.45, up 24.2% from the prior year.
- Interest Coverage Ratio declined to 1.3 in Q1 2026 per PDLB's latest filing, from 1.66 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 1.66 in Q4 2025 and troughed at 4.8 in Q1 2022.
- A 5-year average of 0.55 and a median of 1.09 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2023: Interest Coverage Ratio slumped 300.42% in 2022, then jumped 295.01% in 2023.
- Over 5 years, Interest Coverage Ratio stood at 0.27 in 2022, then jumped by 295.01% to 1.05 in 2023, then climbed by 27.08% to 1.34 in 2024, then climbed by 23.66% to 1.66 in 2025, then dropped by 21.81% to 1.3 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.3, 1.66, and 1.41 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | Ponce Financial | 470.75 Mn | 330.74 Mn | - | 1.52 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.52 |
| Mar 31, 2026 | 1.30 |
| Dec 31, 2025 | 1.66 |
| Sep 30, 2025 | 1.41 |
| Jun 30, 2025 | 1.20 |
| Mar 31, 2025 | 1.19 |
| Dec 31, 2024 | 1.34 |
| Sep 30, 2024 | 1.07 |
| Jun 30, 2024 | 1.21 |
| Mar 31, 2024 | 1.09 |
| Dec 31, 2023 | 1.05 |
| Sep 30, 2023 | 1.17 |
| Jun 30, 2023 | 0.99 |
| Mar 31, 2023 | 1.08 |
| Dec 31, 2022 | 0.27 |
| Sep 30, 2022 | -2.87 |
| Jun 30, 2022 | 1.08 |
| Mar 31, 2022 | -4.80 |
| Dec 31, 2021 | 3.34 |
| Sep 30, 2021 | 1.53 |