Payment Financial Technologies Ltd (PMNT) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Payment Financial Technologies Ltd ILS 7.02, price ILS 5.08, upside +38.2%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
59‑month range 2.22 ILA – 7.89 ILA · fair‑value band 3.71 ILA – 12.46 ILA · the 5.08 ILA price screens below the 7.02 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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 5.08 ILA, while our model-based Fair Value estimate is 7.02 ILA, implying the stock looks roughly 27.6% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 23.39 ILA per share, and 12 of the 17 models we run sit above the 5.08 ILA price.
Bear case: the Asset-Based group reads lowest at 1.40 ILA, and 5 of the 17 models stay below the price. Evidence for this calculation is high.
Scenario range: 3.71 ILA (bear) to 12.46 ILA (bull), the price of 5.08 ILA sits inside 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 46/100 (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 220M ILA · P/E ratio 10.6 · P/S ratio 3.40 · EPS (TTM) 0.4800 ILA · Dividend yield 4.5% · Net margin 32.1% · Return on equity 23.8% · Return on assets (EBIT) 7.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 36% 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 −19% fair-value upside, at 38%, PMNT screens cheaper than that median.
Fair Value models
Bear 3.71 ILAFair Value 7.02 ILABull 12.46 ILA
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.1850 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.Evidence ⓘEvidence = 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.
+31.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.7%
Dividend (yield on the price)4.5%
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
Price, fair value, quality and upside side by side.
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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 · 383 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+38% · Top 25%
Profitability
Return on equity (TTM)24% · Top 25%
Return on assets13% · Top 25%
Net margin (TTM)31% · Top 25%
Operating margin (TTM)50% · Top 25%
Growth and dividend
Revenue growth25% · Above median
Dividend yield (TTM)4.5% · Top 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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Is Payment Financial Technologies Ltd (PMNT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 7.02 ILA versus a price of 5.08 ILA, about +38% upside (undervalued).
What is the fair value of PMNT?
Our model-based fair value for Payment Financial Technologies Ltd is 7.02 ILA (as of Sep 23, 2026), built from audited fundamentals. The current price: 5.08 ILA.
What is the quality score of PMNT?
Payment Financial Technologies Ltd has a Quality Score of 46/100. 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 7.02 ILA (as of Sep 23, 2026) from 17 valuation models. Cautious scenario 3.71 ILA, optimistic scenario 12.46 ILA. 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 7.02 ILA, about +38% upside versus a price of 5.08 ILA (undervalued). Cautious scenario 3.71 ILA, optimistic scenario 12.46 ILA. 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 59.5M ILS (latest available figure, as of Sep 23, 2026).
Does Payment Financial Technologies Ltd pay a dividend?
Payment Financial Technologies Ltd currently shows a dividend yield of about 4.49% relative to its recent price (as of Sep 23, 2026).
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 7.02 ILA per share (as of Sep 23, 2026), against a price of 5.08 ILA. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is Payment Financial Technologies Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PMNT trades below its calculated fair value: price 5.08 ILA, fair value 7.02 ILA, a gap of about +38% (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 (5.08 ILA); the fair value is what the company's own numbers justify (7.02 ILA). For Payment Financial Technologies Ltd the two are 1.94 ILA 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 220M ILA (market capitalisation, as of Sep 23, 2026). Per share that is 5.08 ILA; our models calculate a fair value of 7.02 ILA 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 ILA, base 7.02 ILA, optimistic 12.46 ILA per share (as of Sep 23, 2026, price 5.08 ILA). 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 10.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 7.02 ILA is built from several models across several years. Other multiples: P/B 0.9, P/S 1.2, EV/EBITDA 2.2.
How solid is the balance sheet of Payment Financial Technologies Ltd (PMNT)?
Balance-sheet figures for Payment Financial Technologies Ltd (as of Sep 23, 2026): return on equity 23.8%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is PMNT from its 52-week high?
Payment Financial Technologies Ltd trades at 5.08 ILA, about 36% below its 52-week high of 7.89 ILA and 19% above the low of 4.26 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 7.02 ILA is for.
Which stocks are comparable to Payment Financial Technologies Ltd?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, 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 Sep 23, 2026: price 5.08 ILA, calculated fair value 7.02 ILA (+38%), Quality Score 46/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 7.02 ILA, 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 14.0 % above its aggregate fair value. Payment Financial Technologies Ltd currently trades 38 % 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 Sep 24, 2026 was 5.08 ILA. Our model-based fair value is 7.02 ILA, about +38% 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 model range is unusually wide (3.71 ILA to 12.46 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
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 220M ILA. 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 3.40 (P/E × margin). 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 0.4800 ILA (price ÷ EPS = P/E 10.6). 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 4.5% (payout 47.5%). 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 32.1% (fiscal year 2025). 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 23.8% (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 49.6% (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 +24.8% 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 +10.0% 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 ILA (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 ILA (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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