Payment Financial Technologies Ltd (PMNT) Fair Value & Analysis
Technology · Il · Market cap 220M ILA
Fair value as of: Jul 19, 2026
From 17 valuation models · updated 22 days ago
Share price −1.1% over the past month.
Below-average quality, screening 12% undervalued on our models.
What matters now
- The model range is unusually wide (3.85 ILA to 10.12 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Our model range runs from 3.85 ILA (bear) to 10.12 ILA (bull), base 6.28 ILA. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 46/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.
How to read this chart
58‑month range 2.17 ILA – 7.72 ILA · fair‑value band 3.85 ILA – 10.12 ILA · the 5.60 ILA price screens below the 6.28 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
Payment Financial Technologies Ltd (PMNT) currently trades at 5.60 ILA, while our model-based Fair Value estimate is 6.28 ILA, implying the stock looks roughly 12.2% undervalued today. The Quality Score stands at 46/100 (below-average quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Payment Financial Technologies Ltd generated revenue of 59.5M ILA at a net margin of 31.1%. Revenue grew 24.8% year over year. It earns a return on equity of 23.8%. Net debt stands at 117M ILA. Fundamentals as of Jul 19, 2026
Our scenario range runs from 3.85 ILA (bear case) to 10.12 ILA (bull case); at 5.60 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Technology peers we cover trades at -50% fair-value upside, at 12%, PMNT screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 17 models by family
Widest divergence: Growth Earnings (20.87 ILA) versus Asset-Based (1.40 ILA). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 64
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Payment Financial Technologies Ltd reported revenue of 56.6M ILA in FY2025 versus 7.9M ILA in FY2021, a compound +63.9%/yr. Reported net income was 18.2M ILA in FY2025.
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Peer Group
Software - Infrastructure · 371 stocks
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.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $384.00 | $274.17 | -29% |
| Oracle Corporation ORAC | C$9.08 | C$2.94 | -68% |
| Fortinet, Inc FTNT | $160.78 | $44.96 | -72% |
| Synopsys, Inc 1SNPS | €354.50 | €93.61 | -74% |
| Block, Inc XYZ | A$114.53 | A$70.69 | -38% |
| CoreWeave, Inc CRWV | $79.94 | $44.89 | -44% |
| Range Intelligent Computing Technology Group 300442 | ¥71.60 | ¥34.00 | -53% |
| Oracle Financial Services Software Limited OFSS | ₹11,651 | ₹5,821 | -50% |
| 360 Security Technology Inc 601360 | ¥9.64 | ¥5.05 | -48% |
| One97 Communications Limited PAYTM | ₹1,342 | ₹181.50 | -86% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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