PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
NYSE:PAY - New York Stock Exchange, Inc. - US70439P1084 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to PAY. PAY was compared to 101 industry peers in the Financial Services industry. PAY is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. 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.
Of the past 5 years PAY 4 years were profitable.
PAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 7.31%, PAY belongs to the best of the industry, outperforming 84.16% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.62%, PAY is in line with its industry, outperforming 48.51% of the companies in the same industry.
With a decent Return On Invested Capital value of 7.39%, PAY is doing good in the industry, outperforming 79.21% of the companies in the same industry.
| 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 has a worse Profit Margin (5.19%) than 60.40% 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 64.36% of its industry peers.
In the last couple of years the Operating Margin of PAY has declined.
With a Gross Margin value of 28.46%, PAY perfoms like the industry average, outperforming 51.49% of the companies in the same industry.
In the last couple of years the Gross Margin of PAY has remained more or less at the same level.
| 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.
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.
2.2 Solvency
An Altman-Z score of 30.15 indicates that PAY is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 30.15, PAY belongs to the top of the industry, outperforming 98.02% of the companies in the same industry.
PAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 30.15 |
ROIC/WACC0.8
WACC9.21%
2.3 Liquidity
PAY has a Current Ratio of 4.31. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
PAY's Current ratio of 4.31 is amongst the best of the industry. PAY outperforms 89.11% 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.
With an excellent Quick ratio value of 4.31, PAY belongs to the best of the industry, outperforming 89.11% of the companies in the same industry.
| 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%.
PAY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.75% yearly.
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
The Earnings Per Share is expected to grow by 29.93% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 27.20% on average over the next years. This is a very strong growth
EPS Next Y64.4%
EPS Next 2Y39.34%
EPS Next 3Y35.16%
EPS Next 5Y29.93%
Revenue Next Year37.94%
Revenue Next 2Y30.04%
Revenue Next 3Y26.72%
Revenue Next 5Y27.2%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
PAY is valuated quite expensively with a Price/Earnings ratio of 63.79.
Compared to the rest of the industry, the Price/Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 75.25% of the companies listed in the same industry.
PAY is valuated expensively when we compare the Price/Earnings ratio to 28.19, which is the current average of the S&P500 Index.
PAY is valuated quite expensively with a Price/Forward Earnings ratio of 52.57.
77.23% of the companies in the same industry are cheaper than PAY, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.37, PAY is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.79 | ||
| Fwd PE | 52.57 |
4.2 Price Multiples
PAY's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 63.37% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 158.37 | ||
| EV/EBITDA | 49.46 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PAY's earnings are expected to grow with 35.16% in the coming years.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y39.34%
EPS Next 3Y35.16%
5. Dividend
5.1 Amount
PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYMENTUS HOLDINGS INC-A
NYSE:PAY (1/23/2025, 4:15:01 PM)
After market: 30.62 0 (0%)30.62
-0.62 (-1.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners67.02%
Inst Owner Change0.16%
Ins Owners2.84%
Ins Owner Change-3.63%
Market Cap3.82B
Analysts70.91
Price Target32.9 (7.45%)
Short Float %3.31%
Short Ratio1.37
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)0%
PT rev (3m)52.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.69%
EPS NY rev (1m)0%
EPS NY rev (3m)19.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.79 | ||
| Fwd PE | 52.57 | ||
| P/S | 4.9 | ||
| P/FCF | 158.37 | ||
| P/OCF | 63.43 | ||
| P/B | 8.14 | ||
| P/tB | 15.27 | ||
| EV/EBITDA | 49.46 |
EPS(TTM)0.48
EY1.57%
EPS(NY)0.58
Fwd EY1.9%
FCF(TTM)0.19
FCFY0.63%
OCF(TTM)0.48
OCFY1.58%
SpS6.25
BVpS3.76
TBVpS2
PEG (NY)0.99
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 | 30.15 |
F-Score7
WACC9.21%
ROIC/WACC0.8
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 Y64.4%
EPS Next 2Y39.34%
EPS Next 3Y35.16%
EPS Next 5Y29.93%
Revenue 1Y (TTM)33.84%
Revenue growth 3Y26.75%
Revenue growth 5YN/A
Sales Q2Q%51.93%
Revenue Next Year37.94%
Revenue Next 2Y30.04%
Revenue Next 3Y26.72%
Revenue Next 5Y27.2%
EBIT growth 1Y282.76%
EBIT growth 3Y-0.56%
EBIT growth 5YN/A
EBIT Next Year492.67%
EBIT Next 3Y110.84%
EBIT Next 5Y71.83%
FCF growth 1Y198.31%
FCF growth 3Y18.46%
FCF growth 5YN/A
OCF growth 1Y1041.54%
OCF growth 3Y24.55%
OCF growth 5YN/A