PAYFARE INC (PAY.CA) Fundamental Analysis & Valuation
TSX:PAY • CA70437C1095
Current stock price
4 CAD
0 (0%)
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This PAY.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PAY.CA Profitability Analysis
1.1 Basic Checks
- PAY had positive earnings in the past year.
- PAY had a positive operating cash flow in the past year.
- In the past 5 years PAY reported 4 times negative net income.
- The reported operating cash flow has been mixed in the past 5 years: PAY reported negative operating cash flow in multiple years.
1.2 Ratios
- With a decent Return On Assets value of 5.26%, PAY is doing good in the industry, outperforming 65.63% of the companies in the same industry.
- With an excellent Return On Equity value of 22.19%, PAY belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
- PAY has a better Return On Invested Capital (13.92%) than 93.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.26% | ||
| ROE | 22.19% | ||
| ROIC | 13.92% |
ROA(3y)-2.18%
ROA(5y)-31.17%
ROE(3y)-10.76%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PAY's Profit Margin of 8.94% is on the low side compared to the rest of the industry. PAY is outperformed by 68.75% of its industry peers.
- PAY has a Operating Margin of 7.79%. This is amonst the worse of the industry: PAY underperforms 90.63% of its industry peers.
- PAY's Gross Margin of 25.74% is in line compared to the rest of the industry. PAY outperforms 53.13% of its industry peers.
- In the last couple of years the Gross Margin of PAY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.79% | ||
| PM (TTM) | 8.94% | ||
| GM | 25.74% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y202.43%
GM growth 5Y-5.73%
2. PAY.CA Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAY is destroying value.
- Compared to 1 year ago, PAY has more shares outstanding
- There is no outstanding debt for PAY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- PAY has an Altman-Z score of 1.14. This is a bad value and indicates that PAY is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.14, PAY is doing worse than 75.00% of the companies in the same industry.
- The Debt to FCF ratio of PAY is 0.00, which is an excellent value as it means it would take PAY, only 0.00 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 0.00, PAY belongs to the best of the industry, outperforming 96.88% of the companies in the same industry.
- A Debt/Equity ratio of 0.00 indicates that PAY is not too dependend on debt financing.
- PAY has a better Debt to Equity ratio (0.00) than 93.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.94
WACC14.89%
2.3 Liquidity
- PAY has a Current Ratio of 1.24. This is a normal value and indicates that PAY is financially healthy and should not expect problems in meeting its short term obligations.
- PAY has a Current ratio of 1.24. This is in the better half of the industry: PAY outperforms 71.88% of its industry peers.
- PAY has a Quick Ratio of 1.24. This is a normal value and indicates that PAY is financially healthy and should not expect problems in meeting its short term obligations.
- PAY's Quick ratio of 1.24 is fine compared to the rest of the industry. PAY outperforms 71.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.24 | ||
| Quick Ratio | 1.24 |
3. PAY.CA Growth Analysis
3.1 Past
- PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.91%, which is quite impressive.
- PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.40%.
- The Revenue has been growing by 120.24% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)73.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-10%
Revenue 1Y (TTM)26.4%
Revenue growth 3Y140.05%
Revenue growth 5Y120.24%
Sales Q2Q%24.92%
3.2 Future
- PAY is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -67.14% yearly.
- PAY is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -39.64% yearly.
EPS Next Y-13.43%
EPS Next 2Y-67.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.2%
Revenue Next 2Y-39.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. PAY.CA Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.00 indicates a reasonable valuation of PAY.
- Based on the Price/Earnings ratio, PAY is valued cheaper than 81.25% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PAY to the average of the S&P500 Index (27.50), we can say PAY is valued rather cheaply.
- PAY is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PAY is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, PAY is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.05 | ||
| EV/EBITDA | 4.67 |
4.3 Compensation for Growth
- PAY's earnings are expected to decrease with -67.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-67.14%
EPS Next 3YN/A
5. PAY.CA Dividend Analysis
5.1 Amount
- No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAY.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:PAY (3/4/2025, 7:00:00 PM)
4
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)03-19 2025-03-19/amc
Inst Owners13.25%
Inst Owner ChangeN/A
Ins Owners11.36%
Ins Owner ChangeN/A
Market Cap193.16M
Revenue(TTM)216.87M
Net Income(TTM)19.38M
Analysts48.89
Price Target5.51 (37.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-24.27%
Min EPS beat(2)-27.75%
Max EPS beat(2)-20.79%
EPS beat(4)1
Avg EPS beat(4)-12.33%
Min EPS beat(4)-27.75%
Max EPS beat(4)2.42%
EPS beat(8)3
Avg EPS beat(8)29.48%
EPS beat(12)6
Avg EPS beat(12)23.46%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.44%
Min Revenue beat(2)-5.1%
Max Revenue beat(2)-3.79%
Revenue beat(4)0
Avg Revenue beat(4)-3.63%
Min Revenue beat(4)-5.1%
Max Revenue beat(4)-1.5%
Revenue beat(8)1
Avg Revenue beat(8)-3.5%
Revenue beat(12)4
Avg Revenue beat(12)0.37%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)-1.03%
Revenue NY rev (3m)0.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | N/A | ||
| P/S | 0.89 | ||
| P/FCF | 7.05 | ||
| P/OCF | 5.61 | ||
| P/B | 2.21 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 4.67 |
EPS(TTM)0.4
EY10%
EPS(NY)-0.22
Fwd EYN/A
FCF(TTM)0.57
FCFY14.19%
OCF(TTM)0.71
OCFY17.83%
SpS4.49
BVpS1.81
TBVpS1.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.26% | ||
| ROE | 22.19% | ||
| ROCE | 19.34% | ||
| ROIC | 13.92% | ||
| ROICexc | 95.72% | ||
| ROICexgc | 210.94% | ||
| OM | 7.79% | ||
| PM (TTM) | 8.94% | ||
| GM | 25.74% | ||
| FCFM | 12.64% |
ROA(3y)-2.18%
ROA(5y)-31.17%
ROE(3y)-10.76%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y202.43%
GM growth 5Y-5.73%
F-Score5
Asset Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 133.85% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 155.55% | ||
| Profit Quality | 141.48% | ||
| Current Ratio | 1.24 | ||
| Quick Ratio | 1.24 | ||
| Altman-Z | 1.14 |
F-Score5
WACC14.89%
ROIC/WACC0.94
Cap/Depr(3y)179.14%
Cap/Depr(5y)141.17%
Cap/Sales(3y)2.72%
Cap/Sales(5y)6.14%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)73.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-10%
EPS Next Y-13.43%
EPS Next 2Y-67.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.4%
Revenue growth 3Y140.05%
Revenue growth 5Y120.24%
Sales Q2Q%24.92%
Revenue Next Year6.2%
Revenue Next 2Y-39.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y91.6%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year92.71%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y567.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1339.99%
OCF growth 3YN/A
OCF growth 5YN/A
PAYFARE INC / PAY.CA Fundamental Analysis FAQ
What is the ChartMill fundamental rating of PAYFARE INC (PAY.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to PAY.CA.
Can you provide the valuation status for PAYFARE INC?
ChartMill assigns a valuation rating of 5 / 10 to PAYFARE INC (PAY.CA). This can be considered as Fairly Valued.
How profitable is PAYFARE INC (PAY.CA) stock?
PAYFARE INC (PAY.CA) has a profitability rating of 3 / 10.
Can you provide the financial health for PAY stock?
The financial health rating of PAYFARE INC (PAY.CA) is 5 / 10.