Overall FIVN gets a fundamental rating of 5 out of 10. We evaluated FIVN against 277 industry peers in the Software industry. Both the profitability and the financial health of FIVN get a neutral evaluation. Nothing too spectacular is happening here. An interesting combination arises when we look at growth and value: FIVN is growing strongly while it also seems undervalued.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FIVN was profitable.
FIVN had a positive operating cash flow in the past year.
FIVN had negative earnings in each of the past 5 years.
FIVN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FIVN's Return On Assets of 1.77% is fine compared to the rest of the industry. FIVN outperforms 61.37% of its industry peers.
The Return On Equity of FIVN (4.03%) is better than 65.70% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.67%, FIVN is in the better half of the industry, outperforming 61.01% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.77%
ROE	4.03%
ROIC	0.67%

ROA(3y)-4.57%

ROA(5y)-4.42%

ROE(3y)-15.93%

ROE(5y)-17.6%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FIVN has a Profit Margin of 2.77%. This is in the better half of the industry: FIVN outperforms 61.01% of its industry peers.
The Operating Margin of FIVN (1.17%) is better than 60.65% of its industry peers.
FIVN's Gross Margin of 55.20% is on the low side compared to the rest of the industry. FIVN is outperformed by 65.70% of its industry peers.
In the last couple of years the Gross Margin of FIVN has declined.

		Industry Rank	Sector Rank
OM	1.17%
PM (TTM)	2.77%
GM	55.2%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-0.82%

GM growth 5Y-1.69%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FIVN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, FIVN has more shares outstanding
The number of shares outstanding for FIVN has been increased compared to 5 years ago.
The debt/assets ratio for FIVN is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 1.74, we must say that FIVN is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.74, FIVN is in line with its industry, outperforming 45.49% of the companies in the same industry.
FIVN has a debt to FCF ratio of 4.57. This is a neutral value as FIVN would need 4.57 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.57, FIVN perfoms like the industry average, outperforming 58.84% of the companies in the same industry.
A Debt/Equity ratio of 0.96 indicates that FIVN is somewhat dependend on debt financing.
FIVN has a Debt to Equity ratio of 0.96. This is in the lower half of the industry: FIVN underperforms 75.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.96
Debt/FCF	4.57
Altman-Z	1.74

ROIC/WACC0.07

WACC9.04%

2.3 Liquidity

FIVN has a Current Ratio of 4.61. This indicates that FIVN is financially healthy and has no problem in meeting its short term obligations.
FIVN has a better Current ratio (4.61) than 85.92% of its industry peers.
FIVN has a Quick Ratio of 4.61. This indicates that FIVN is financially healthy and has no problem in meeting its short term obligations.
FIVN's Quick ratio of 4.61 is amongst the best of the industry. FIVN outperforms 86.28% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	4.61
Quick Ratio	4.61

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 29.39% over the past year.
Measured over the past years, FIVN shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.27% on average per year.
FIVN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.48%.
The Revenue has been growing by 26.01% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)29.39%

EPS 3Y28.48%

EPS 5Y24.27%

EPS Q2Q%16.42%

Revenue 1Y (TTM)12.48%

Revenue growth 3Y19.56%

Revenue growth 5Y26.01%

Sales Q2Q%8.2%

3.2 Future

Based on estimates for the next years, FIVN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.64% on average per year.
The Revenue is expected to grow by 9.27% on average over the next years. This is quite good.

EPS Next Y21.81%

EPS Next 2Y14.73%

EPS Next 3Y13.61%

EPS Next 5Y8.64%

Revenue Next Year11.22%

Revenue Next 2Y10.31%

Revenue Next 3Y9.99%

Revenue Next 5Y9.27%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.21, which indicates a rather cheap valuation of FIVN.
Based on the Price/Earnings ratio, FIVN is valued cheaper than 93.14% of the companies in the same industry.
When comparing the Price/Earnings ratio of FIVN to the average of the S&P500 Index (27.21), we can say FIVN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.66, the valuation of FIVN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FIVN indicates a rather cheap valuation: FIVN is cheaper than 93.86% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FIVN to the average of the S&P500 Index (24.26), we can say FIVN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.21
Fwd PE	5.66

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FIVN is valued cheaper than 81.59% of the companies in the same industry.
FIVN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FIVN is cheaper than 93.86% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.71
EV/EBITDA	17

4.3 Compensation for Growth

FIVN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FIVN's earnings are expected to grow with 13.61% in the coming years. This may justify a more expensive valuation.