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.

3

1. PAY.CA Profitability Analysis

1.1 Basic Checks

  • PAY had positive earnings in the past year.
  • In the past year PAY had a positive cash flow from operations.
  • PAY had negative earnings in 4 of the past 5 years.
  • In multiple years PAY reported negative operating cash flow during the last 5 years.
PAY.CA Yearly Net Income VS EBIT VS OCF VS FCFPAY.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M -20M

1.2 Ratios

  • PAY has a Return On Assets of 5.26%. This is in the better half of the industry: PAY outperforms 65.63% of its industry peers.
  • The Return On Equity of PAY (22.19%) is better than 87.50% of its industry peers.
  • With an excellent Return On Invested Capital value of 13.92%, PAY belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
Industry RankSector 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
PAY.CA Yearly ROA, ROE, ROICPAY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 -1K -2K -3K -4K

1.3 Margins

  • PAY has a worse Profit Margin (8.94%) than 68.75% of its industry peers.
  • PAY's Operating Margin of 7.79% is on the low side compared to the rest of the industry. PAY is outperformed by 90.63% of its industry peers.
  • The Gross Margin of PAY (25.74%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of PAY has declined.
Industry RankSector 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%
PAY.CA Yearly Profit, Operating, Gross MarginsPAY.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 -5K -10K -15K -20K

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5

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.
  • PAY has more shares outstanding than it did 1 year ago.
  • 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.
PAY.CA Yearly Shares OutstandingPAY.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
PAY.CA Yearly Total Debt VS Total AssetsPAY.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.2 Solvency

  • Based on the Altman-Z score of 1.14, we must say that PAY is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PAY (1.14) is worse than 75.00% of its industry peers.
  • 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.
  • PAY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of PAY (0.00) is better than 93.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 1.14
ROIC/WACC0.94
WACC14.89%
PAY.CA Yearly LT Debt VS Equity VS FCFPAY.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

  • A Current Ratio of 1.24 indicates that PAY should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.24, PAY is in the better half of the industry, outperforming 71.88% of the companies in the same industry.
  • A Quick Ratio of 1.24 indicates that PAY should not have too much problems paying 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 RankSector Rank
Current Ratio 1.24
Quick Ratio 1.24
PAY.CA Yearly Current Assets VS Current LiabilitesPAY.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PAY.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 73.91% over the past year.
  • The Revenue has grown by 26.40% in the past year. This is a very strong growth!
  • Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 120.24% on average per year.
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

  • The Earnings Per Share is expected to decrease by -67.14% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -39.64% on average over the next years. This is quite bad
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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PAY.CA Yearly Revenue VS EstimatesPAY.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
PAY.CA Yearly EPS VS EstimatesPAY.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 0 0.2 -0.2 -0.4

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5

4. PAY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.00, the valuation of PAY can be described as very reasonable.
  • 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 (25.50), 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 RankSector Rank
PE 10
Fwd PE N/A
PAY.CA Price Earnings VS Forward Price EarningsPAY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAY indicates a rather cheap valuation: PAY is cheaper than 100.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, PAY is valued cheaper than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.05
EV/EBITDA 4.67
PAY.CA Per share dataPAY.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

  • A cheap valuation may be justified as PAY's earnings are expected to decrease with -67.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-67.14%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PAY.CA Dividend Analysis

5.1 Amount

  • PAY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PAY.CA Fundamentals: All Metrics, Ratios and Statistics

PAYFARE INC

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
Earnings (Next)03-19
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 RankSector 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 RankSector 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 NumberN/A
Profitability
Industry RankSector 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 RankSector 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.


Can you provide the profitability details for PAYFARE INC?

PAYFARE INC (PAY.CA) has a profitability rating of 3 / 10.


What are the PE and PB ratios of PAYFARE INC (PAY.CA) stock?

The Price/Earnings (PE) ratio for PAYFARE INC (PAY.CA) is 10 and the Price/Book (PB) ratio is 2.21.