PAYMENTUS HOLDINGS INC-A (PAY)
US70439P1084 - Common Stock
Taking everything into account, PAY scores 6 out of 10 in our fundamental rating. PAY was compared to 100 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 shows excellent growth, but is valued quite expensive already. With these ratings, PAY could be worth investigating further for growth investing!.
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.
Each year in the past 5 years PAY had a positive operating cash flow.
1.2 Ratios
PAY has a better Return On Assets (7.31%) than 85.00% of its industry peers.
With a Return On Equity value of 8.62%, PAY perfoms like the industry average, outperforming 51.00% 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 78.00% 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 Profit Margin (5.19%) which is in line with its industry peers.
In the last couple of years the Profit Margin of PAY has grown nicely.
PAY has a Operating Margin of 5.11%. This is in the lower half of the industry: PAY underperforms 68.00% of its industry peers.
PAY's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 28.46%, PAY is in line with its industry, outperforming 51.00% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAY is destroying value.
The number of shares outstanding for PAY has been increased compared to 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
PAY has an Altman-Z score of 34.77. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 34.77, PAY belongs to the top of the industry, outperforming 99.00% of the companies in the same industry.
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 | 34.77 |
ROIC/WACC0.82
WACC9.05%
2.3 Liquidity
A Current Ratio of 4.31 indicates that PAY has no problem at all paying its short term obligations.
PAY has a Current ratio of 4.31. This is amongst the best in the industry. PAY outperforms 90.00% 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.
The Quick ratio of PAY (4.31) is better than 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 |
3. Growth
3.1 Past
PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 128.57%, which is quite impressive.
PAY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.61% yearly.
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.84%.
The Revenue has been growing by 26.75% on average over the past years. This is a very strong growth!
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 23.11% on average over the next years. This is a very strong growth
Based on estimates for the next years, PAY will show a quite strong growth in Revenue. The Revenue will grow by 16.30% on average per year.
EPS Next Y39.15%
EPS Next 2Y29.31%
EPS Next 3Y29.94%
EPS Next 5Y23.11%
Revenue Next Year27.9%
Revenue Next 2Y23.77%
Revenue Next 3Y22.27%
Revenue Next 5Y16.3%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 75.65, which means the current valuation is very expensive for PAY.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than 77.00% of the companies in the same industry.
PAY's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.96.
A Price/Forward Earnings ratio of 72.38 indicates a quite expensive valuation of PAY.
78.00% of the companies in the same industry are cheaper than PAY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.82. PAY is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.65 | ||
| Fwd PE | 72.38 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 62.00% of the companies listed in the same industry.
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 67.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 187.8 | ||
| EV/EBITDA | 58.1 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as PAY's earnings are expected to grow with 29.94% in the coming years.
PEG (NY)1.93
PEG (5Y)N/A
EPS Next 2Y29.31%
EPS Next 3Y29.94%
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 (11/21/2024, 8:04:01 PM)
After market: 36.0501 -0.26 (-0.72%)36.31
-0.12 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.53B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.65 | ||
| Fwd PE | 72.38 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.93
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.31% | ||
| ROE | 8.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 5.11% | ||
| PM (TTM) | 5.19% | ||
| GM | 28.46% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)128.57%
EPS 3Y36.61%
EPS 5Y
EPS Q2Q%
EPS Next Y39.15%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)33.84%
Revenue growth 3Y26.75%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y