PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
NYSE:PAY - New York Stock Exchange, Inc. - US70439P1084 - Common Stock - Currency: USD
Taking everything into account, PAY scores 6 out of 10 in our fundamental rating. PAY was compared to 101 industry peers in the Financial Services industry. While PAY has a great health rating, its profitability is only average at the moment. PAY is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year PAY was profitable.
PAY had a positive operating cash flow in the past year.
PAY had positive earnings in 4 of the past 5 years.
PAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PAY has a Return On Assets of 7.31%. This is amongst the best in the industry. PAY outperforms 83.17% of its industry peers.
Looking at the Return On Equity, with a value of 8.62%, PAY is in line with its industry, outperforming 44.55% of the companies in the same industry.
PAY has a better Return On Invested Capital (7.39%) than 78.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.31% | ||
| ROE | 8.62% | ||
| ROIC | 7.39% |
ROA(3y)1.93%
ROA(5y)4.76%
ROE(3y)2.29%
ROE(5y)6.01%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PAY's Profit Margin of 5.19% is on the low side compared to the rest of the industry. PAY is outperformed by 65.35% of its industry peers.
PAY's Profit Margin has improved in the last couple of years.
PAY's Operating Margin of 5.11% is on the low side compared to the rest of the industry. PAY is outperformed by 66.34% of its industry peers.
In the last couple of years the Operating Margin of PAY has declined.
Looking at the Gross Margin, with a value of 28.46%, PAY is in line with its industry, outperforming 49.51% of the companies in the same industry.
PAY's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.11% | ||
| PM (TTM) | 5.19% | ||
| GM | 28.46% |
OM growth 3Y-21.54%
OM growth 5YN/A
PM growth 3Y8.85%
PM growth 5YN/A
GM growth 3Y-1.11%
GM growth 5YN/A
2. Health
2.1 Basic Checks
PAY has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for PAY has been increased compared to 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.
2.2 Solvency
PAY has an Altman-Z score of 26.77. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
PAY has a Altman-Z score of 26.77. This is amongst the best in the industry. PAY outperforms 98.02% of its industry peers.
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 26.77 |
ROIC/WACC0.46
WACC16.02%
2.3 Liquidity
A Current Ratio of 4.31 indicates that PAY has no problem at all paying its short term obligations.
The Current ratio of PAY (4.31) is better than 90.10% of its industry peers.
PAY has a Quick Ratio of 4.31. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
PAY's Quick ratio of 4.31 is amongst the best of the industry. PAY outperforms 90.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 128.57% over the past year.
The Earnings Per Share has been growing by 36.61% on average over the past years. This is a very strong growth
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.84%.
Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 26.75% on average per year.
EPS 1Y (TTM)128.57%
EPS 3Y36.61%
EPS 5YN/A
EPS Q2Q%66.67%
Revenue 1Y (TTM)33.84%
Revenue growth 3Y26.75%
Revenue growth 5YN/A
Sales Q2Q%51.93%
3.2 Future
PAY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.22% yearly.
PAY is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.34% yearly.
EPS Next Y62.72%
EPS Next 2Y38.53%
EPS Next 3Y34.64%
EPS Next 5Y29.22%
Revenue Next Year37.68%
Revenue Next 2Y29.79%
Revenue Next 3Y26.49%
Revenue Next 5Y26.34%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 57.15, which means the current valuation is very expensive for PAY.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than the industry average as 75.25% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 29.62, PAY is valued quite expensively.
Based on the Price/Forward Earnings ratio of 47.65, the valuation of PAY can be described as expensive.
PAY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PAY is more expensive than 75.25% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PAY to the average of the S&P500 Index (22.70), we can say PAY is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 57.15 | ||
| Fwd PE | 47.65 |
4.2 Price Multiples
61.39% of the companies in the same industry are cheaper than PAY, based on the Enterprise Value to EBITDA ratio.
PAY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PAY is more expensive than 60.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 141.87 | ||
| EV/EBITDA | 43.12 |
4.3 Compensation for Growth
PAY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PAY's earnings are expected to grow with 34.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y38.53%
EPS Next 3Y34.64%
5. Dividend
5.1 Amount
No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
27.43
-1.73 (-5.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.73%
Inst Owner Change-92.56%
Ins Owners2.52%
Ins Owner Change-3.74%
Market Cap3.42B
Analysts72
Price Target36.11 (31.64%)
Short Float %2.85%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.55%
Min EPS beat(2)37.09%
Max EPS beat(2)62.01%
EPS beat(4)4
Avg EPS beat(4)49.75%
Min EPS beat(4)37.09%
Max EPS beat(4)62.01%
EPS beat(8)8
Avg EPS beat(8)203.12%
EPS beat(12)11
Avg EPS beat(12)219.55%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)14.26%
Min Revenue beat(2)8.25%
Max Revenue beat(2)20.28%
Revenue beat(4)4
Avg Revenue beat(4)9.49%
Min Revenue beat(4)3.65%
Max Revenue beat(4)20.28%
Revenue beat(8)7
Avg Revenue beat(8)6.04%
Revenue beat(12)11
Avg Revenue beat(12)4.68%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)9.77%
PT rev (3m)17.02%
EPS NQ rev (1m)1.41%
EPS NQ rev (3m)1.41%
EPS NY rev (1m)-1.02%
EPS NY rev (3m)16.94%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 57.15 | ||
| Fwd PE | 47.65 | ||
| P/S | 4.39 | ||
| P/FCF | 141.87 | ||
| P/OCF | 56.83 | ||
| P/B | 7.29 | ||
| P/tB | 13.68 | ||
| EV/EBITDA | 43.12 |
EPS(TTM)0.48
EY1.75%
EPS(NY)0.58
Fwd EY2.1%
FCF(TTM)0.19
FCFY0.7%
OCF(TTM)0.48
OCFY1.76%
SpS6.25
BVpS3.76
TBVpS2
PEG (NY)0.91
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.31% | ||
| ROE | 8.62% | ||
| ROCE | 8.32% | ||
| ROIC | 7.39% | ||
| ROICexc | 12.15% | ||
| ROICexgc | 48.98% | ||
| OM | 5.11% | ||
| PM (TTM) | 5.19% | ||
| GM | 28.46% | ||
| FCFM | 3.09% |
ROA(3y)1.93%
ROA(5y)4.76%
ROE(3y)2.29%
ROE(5y)6.01%
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
ROICexcg growth 3Y-34.9%
ROICexcg growth 5YN/A
ROICexc growth 3Y-43.93%
ROICexc growth 5YN/A
OM growth 3Y-21.54%
OM growth 5YN/A
PM growth 3Y8.85%
PM growth 5YN/A
GM growth 3Y-1.11%
GM growth 5YN/A
F-Score7
Asset Turnover1.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 102.69% | ||
| Cap/Sales | 4.63% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 80.29% | ||
| Profit Quality | 59.61% | ||
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 | ||
| Altman-Z | 26.77 |
F-Score7
WACC16.02%
ROIC/WACC0.46
Cap/Depr(3y)131.88%
Cap/Depr(5y)157.7%
Cap/Sales(3y)5.68%
Cap/Sales(5y)5.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)128.57%
EPS 3Y36.61%
EPS 5YN/A
EPS Q2Q%66.67%
EPS Next Y62.72%
EPS Next 2Y38.53%
EPS Next 3Y34.64%
EPS Next 5Y29.22%
Revenue 1Y (TTM)33.84%
Revenue growth 3Y26.75%
Revenue growth 5YN/A
Sales Q2Q%51.93%
Revenue Next Year37.68%
Revenue Next 2Y29.79%
Revenue Next 3Y26.49%
Revenue Next 5Y26.34%
EBIT growth 1Y282.76%
EBIT growth 3Y-0.56%
EBIT growth 5YN/A
EBIT Next Year492.67%
EBIT Next 3Y110.62%
EBIT Next 5Y70.67%
FCF growth 1Y198.31%
FCF growth 3Y18.46%
FCF growth 5YN/A
OCF growth 1Y1041.54%
OCF growth 3Y24.55%
OCF growth 5YN/A