Payment Financial Technologies Ltd
Payment Financial Technologies Ltd. develops and sells financial technology solutions focused on payments and consumer credit in Israel. Its platform sells retail credit through businesses. Payment Financial Technologies Ltd. was incorporated in 2014 and is based in herzliya, Israel.
Payment Financial Technologies Ltd (PMNT) - Net Assets
Latest net assets as of December 2025: ILA82.20 Million ILA
Based on the latest financial reports, Payment Financial Technologies Ltd (PMNT) has net assets worth ILA82.20 Million ILA as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ILA215.58 Million) and total liabilities (ILA133.38 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ILA82.20 Million |
| % of Total Assets | 38.13% |
| Annual Growth Rate | N/A |
| 5-Year Change | 270.88% |
| 10-Year Change | N/A |
| Growth Volatility | 60.73 |
Payment Financial Technologies Ltd - Net Assets Trend (2019–2025)
This chart illustrates how Payment Financial Technologies Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Payment Financial Technologies Ltd (2019–2025)
The table below shows the annual net assets of Payment Financial Technologies Ltd from 2019 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | ILA82.20 Million | +20.74% |
| 2024-12-31 | ILA68.08 Million | +10.58% |
| 2023-12-31 | ILA61.57 Million | +9.58% |
| 2022-12-31 | ILA56.19 Million | +153.51% |
| 2021-12-31 | ILA22.16 Million | +1255.53% |
| 2020-12-31 | ILA-1.92 Million | +11.78% |
| 2019-12-31 | ILA-2.17 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Payment Financial Technologies Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2804200000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ILA18.80 Million | 22.87% |
| Common Stock | ILA4.00K | 0.00% |
| Other Comprehensive Income | ILA2.37 Million | 2.88% |
| Other Components | ILA61.02 Million | 74.24% |
| Total Equity | ILA82.20 Million | 100.00% |
Payment Financial Technologies Ltd Competitors by Market Cap
The table below lists competitors of Payment Financial Technologies Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Nano Magic Inc
PINK:NMGX
|
$788.21K |
|
LiveHire Ltd
AU:LVH
|
$788.52K |
|
TORONTO-DOMINION BK
MU:TDB
|
$789.49K |
|
NewGenIvf Group Limited Class A Ordinary Shares
NASDAQ:NIVF
|
$789.85K |
|
SNP SCHNEIDER-NEURE
MU:SHF
|
$786.83K |
|
American Biltrite Inc
PINK:ABLT
|
$786.16K |
|
BLACK PEARL ZY-10
F:7ZX
|
$786.00K |
|
Voltage Metals Corp
PINK:VLTMF
|
$784.51K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Payment Financial Technologies Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 68,081,000 to 82,198,000, a change of 14,117,000 (20.7%).
- Net income of 18,188,000 contributed positively to equity growth.
- Dividend payments of 9,000,000 reduced retained earnings.
- Other comprehensive income increased equity by 453,001.
- Other factors increased equity by 4,475,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ILA18.19 Million | +22.13% |
| Dividends Paid | ILA9.00 Million | -10.95% |
| Other Comprehensive Income | ILA453.00K | +0.55% |
| Other Changes | ILA4.48 Million | +5.45% |
| Total Change | ILA- | 20.74% |
Book Value vs Market Value Analysis
This analysis compares Payment Financial Technologies Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 345.69x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | ILA-0.10 | ILA731.90 | x |
| 2020-12-31 | ILA-0.08 | ILA731.90 | x |
| 2021-12-31 | ILA0.91 | ILA731.90 | x |
| 2022-12-31 | ILA1.56 | ILA731.90 | x |
| 2023-12-31 | ILA1.62 | ILA731.90 | x |
| 2024-12-31 | ILA1.80 | ILA731.90 | x |
| 2025-12-31 | ILA2.12 | ILA731.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Payment Financial Technologies Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 22.13%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 32.13%
- • Asset Turnover: 0.26x
- • Equity Multiplier: 2.62x
- Recent ROE (22.13%) is above the historical average (10.08%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 0.00% | -70.62% | 1.02x | 0.00x | ILA-1.39 Million |
| 2020 | 0.00% | 7.39% | 0.90x | 0.00x | ILA416.80K |
| 2021 | -3.47% | -9.80% | 0.24x | 1.49x | ILA-2.99 Million |
| 2022 | 15.68% | 36.90% | 0.15x | 2.92x | ILA3.19 Million |
| 2023 | 16.73% | 26.73% | 0.21x | 3.03x | ILA4.14 Million |
| 2024 | 19.52% | 30.88% | 0.26x | 2.45x | ILA6.48 Million |
| 2025 | 22.13% | 32.13% | 0.26x | 2.62x | ILA9.97 Million |
Industry Comparison
This section compares Payment Financial Technologies Ltd's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $20,413,179
- Average return on equity (ROE) among peers: -34.90%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Payment Financial Technologies Ltd (PMNT) | ILA82.20 Million | 0.00% | 1.62x | $786.90K |
| Axilion Smart Mobility Ltd (AILN) | $7.43 Million | -40.09% | 0.13x | $33.73K |
| Cipia Vision Ltd (CPIA) | $15.88 Million | -81.63% | 0.44x | $83.15K |
| Group 107 Ltd (G107) | $-3.57 Million | 0.00% | 0.00x | $38.05K |
| Glassbox Ltd (GLBX) | $23.03 Million | -71.99% | 1.52x | $1.30 Million |
| Orad-M (ORAD) | $37.28 Million | 10.83% | 2.82x | $398.74K |
| Pomvom (PMVM) | $48.91 Million | -49.99% | 0.55x | $43.54K |
| Razor Labs Ltd (RZR) | $4.59 Million | 58.77% | 3.78x | $689.26K |
| Shamaym Improve Ltd (SHMM) | $2.05 Million | -142.28% | 1.83x | $39.55K |
| Utron Ltd (UTRN) | $48.12 Million | 2.27% | 1.01x | $284.45K |