PAYFARE INC (PAY.CA) Fundamental Analysis & Valuation

TSX:PAY • CA70437C1095

Current stock price

4 CAD
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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

  • In the past year PAY was profitable.
  • In the past year PAY had a positive cash flow from operations.
  • PAY had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PAY reported negative operating cash flow in multiple 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's Return On Assets of 5.26% is fine compared to the rest 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

  • With a Profit Margin value of 8.94%, PAY is not doing good in the industry: 68.75% of the companies in the same industry are doing better.
  • PAY has a worse Operating Margin (7.79%) than 90.63% of its industry peers.
  • PAY has a Gross Margin of 25.74%. This is comparable 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 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PAY is destroying value.
  • PAY has more shares outstanding than it did 1 year ago.
  • PAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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.
  • 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.
  • PAY has a debt to FCF ratio of 0.00. This is a very positive value and a sign of high solvency as it would only need 0.00 years to pay back of all of its debts.
  • The Debt to FCF ratio of PAY (0.00) is better than 96.88% of its industry peers.
  • A Debt/Equity ratio of 0.00 indicates that PAY is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.00, PAY belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
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

  • 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.
  • The Current ratio of PAY (1.24) is better than 71.88% of its industry peers.
  • A Quick Ratio of 1.24 indicates that PAY should not have too much problems paying its short term obligations.
  • PAY has a Quick ratio of 1.24. This is in the better half 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

  • 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

  • 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

  • Based on the Price/Earnings ratio of 10.00, the valuation of PAY can be described as reasonable.
  • PAY's Price/Earnings ratio is rather cheap when compared to the industry. PAY is cheaper than 81.25% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.47, PAY is valued rather cheaply.
  • The Forward Price/Earnings Ratio is negative for PAY. No positive earnings are expected for the next year.
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 80 100

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.
  • PAY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PAY is 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

  • No dividends for PAY!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

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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 Number0 (-100%)
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.


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.