Payment Financial Technologies Ltd (PMNT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Payment Financial Technologies Ltd stock ILS 7.01, price ILS 2.98, upside +135.4%, quality 47 out of 100. Rating: strongly undervalued. Calculated from audited financials with 17 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 2.20 ILS – 7.81 ILS · fair‑value band 3.71 ILS – 12.67 ILS · the 2.98 ILS price screens below the 7.01 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
Stock analysis
Payment Financial Technologies Ltd (PMNT) currently trades at 2.98 ILS, while our model-based Fair Value estimate is 7.01 ILS, implying the stock looks roughly 58% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 23.37 ILS per share, and 13 of the 17 models we run sit above the 2.98 ILS price.
Bear case: the Asset-Based group reads lowest at 1.64 ILS, and 4 of the 17 models stay below the price. Data coverage for this calculation is low.
Scenario range: 3.71 ILS (bear) to 12.67 ILS (bull), the price of 2.98 ILS sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Payment Financial Technologies Ltd reported revenue of 56.6M ILS in FY2025 versus 7.9M ILS in FY2021, a compound +63.9%/yr. Reported net income was 18.2M ILS in FY2025.
Key figures
Market cap 113M ILS Micro · P/E ratio 6.6 · P/S ratio 1.88 · EPS (TTM) 0.4500 ILS · Dividend yield 7.7% · Net margin 30.6% · Return on equity 22.6% · Return on assets (EBIT) 7.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (medium confidence).
What moves the price
The share trades about 62% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 135%, PMNT screens cheaper than that median.
Fair Value models
Bear3.71 ILSFair Value 7.01 ILSBull12.67 ILS
Price 2.98 ILS · Upside +135.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.1904 ILS per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+31.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+79.4%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+71.1%
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What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+34.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.7%
Dividend (yield on the price)7.7%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.13% → 42%
2025 sits 73% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Compare Payment Financial Technologies Ltd with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside+135.4% · Top 25%
Profitability
Return on equity (12 months)22.6% · Top 25%
Return on assets8.4% · Top 25%
Net margin (12 months)30.6% · Top 25%
Operating margin (12 months)46.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)6.1% · Below median
Dividend yield (12 months)7.7% · Top 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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Is Payment Financial Technologies Ltd (PMNT) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 7.01 ILS versus a price of 2.98 ILS, about +135% upside (undervalued).
What is the fair value of PMNT?
Our model-based fair value for Payment Financial Technologies Ltd is 7.01 ILS (as of Nov 8, 2026), built from audited fundamentals. The current price: 2.98 ILS.
What is the quality score of PMNT?
Payment Financial Technologies Ltd has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Payment Financial Technologies Ltd (PMNT)?
Our model-based price target is the fair value of 7.01 ILS (as of Nov 8, 2026) from 17 valuation models. Cautious scenario 3.71 ILS, optimistic scenario 12.67 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Payment Financial Technologies Ltd stock forecast for 2026?
Our models put fair value at 7.01 ILS, about +135% upside versus a price of 2.98 ILS (undervalued). Cautious scenario 3.71 ILS, optimistic scenario 12.67 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Payment Financial Technologies Ltd (PMNT)?
Payment Financial Technologies Ltd reported trailing-twelve-month revenue of about 60.3M ILS (latest available figure, as of Nov 8, 2026).
Does Payment Financial Technologies Ltd pay a dividend?
Payment Financial Technologies Ltd currently shows a dividend yield of 7.66% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Payment Financial Technologies Ltd (PMNT) and when is the ex-dividend date?
Payment Financial Technologies Ltd pays a dividend of 0.228 ILS per share a year, a dividend yield of 7.7%. The last ex-dividend date was Sep 2, 2026. The payout ratio is 50.7% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Payment Financial Technologies Ltd (PMNT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Payment Financial Technologies Ltd it is 7.01 ILS per share (as of Nov 8, 2026), against a price of 2.98 ILS. It is the blended result of 17 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Payment Financial Technologies Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PMNT trades below its calculated fair value: price 2.98 ILS, fair value 7.01 ILS, a gap of about +135% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PMNT?
No. The price is what the market pays today (2.98 ILS); the fair value is what the company's own numbers justify (7.01 ILS). For Payment Financial Technologies Ltd the two are 4.03 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Payment Financial Technologies Ltd worth?
The market values Payment Financial Technologies Ltd at about 113M ILS (market capitalisation, as of Nov 8, 2026). Per share that is 2.98 ILS; our models calculate a fair value of 7.01 ILS per share.
What do the bullish and bearish scenarios say about PMNT?
Our models span a range for Payment Financial Technologies Ltd: cautious scenario 3.71 ILS, base 7.01 ILS, optimistic 12.67 ILS per share (as of Nov 8, 2026, price 2.98 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PMNT?
Payment Financial Technologies Ltd trades at a price-to-earnings ratio of 6.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 7.01 ILS is built from several models across several years. Other multiples: P/B 1.4, P/S 1.9, EV/EBITDA 3.5.
How solid is the balance sheet of Payment Financial Technologies Ltd (PMNT)?
Balance-sheet figures for Payment Financial Technologies Ltd (as of Nov 8, 2026): return on equity 22.6%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is PMNT from its 52-week high?
Payment Financial Technologies Ltd trades at 2.98 ILS, about 62% below its 52-week high of 7.81 ILS and 19% above the low of 2.51 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 7.01 ILS is for.
Which stocks are comparable to Payment Financial Technologies Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Payment Financial Technologies Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price 2.98 ILS, calculated fair value 7.01 ILS (+135%), Quality Score 47/100, from 17 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PMNT calculated?
We run Payment Financial Technologies Ltd through 17 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 7.01 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Payment Financial Technologies Ltd currently trades 58% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Payment Financial Technologies Ltd (PMNT)?
The closing price on Nov 6, 2026 was 2.98 ILS. Our model-based fair value is 7.01 ILS, about +135% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Payment Financial Technologies Ltd right now?
The large discount to fair value meets weak quality (47/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (3.71 ILS). The market is more pessimistic than our downside scenario. The model range is unusually wide (3.71 ILS to 12.67 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Payment Financial Technologies Ltd
How large is the market capitalisation of Payment Financial Technologies Ltd (PMNT)?
The market capitalisation of Payment Financial Technologies Ltd is 113M ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Payment Financial Technologies Ltd (PMNT)?
The price-to-sales ratio of Payment Financial Technologies Ltd is 1.88 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Payment Financial Technologies Ltd (PMNT)?
Earnings per share at Payment Financial Technologies Ltd are 0.4500 ILS (price ÷ EPS = P/E 6.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Payment Financial Technologies Ltd (PMNT)?
The dividend yield of Payment Financial Technologies Ltd is 7.7% (payout 50.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Payment Financial Technologies Ltd (PMNT)?
The net margin of Payment Financial Technologies Ltd is 30.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Payment Financial Technologies Ltd (PMNT)?
The return on equity (ROE) of Payment Financial Technologies Ltd is 22.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Payment Financial Technologies Ltd (PMNT)?
On an EBIT basis the return on assets of Payment Financial Technologies Ltd is 7.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Payment Financial Technologies Ltd (PMNT)?
The operating margin of Payment Financial Technologies Ltd is 46.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Payment Financial Technologies Ltd (PMNT)?
Revenue at Payment Financial Technologies Ltd is growing +6.1% versus a year earlier (3y avg +33.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Payment Financial Technologies Ltd (PMNT)?
Earnings per share at Payment Financial Technologies Ltd are growing −9.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Payment Financial Technologies Ltd (PMNT) generate?
The free cash flow of Payment Financial Technologies Ltd is −28.6M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Payment Financial Technologies Ltd (PMNT) carry?
The net debt of Payment Financial Technologies Ltd is 117M ILS (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 8, 2026