PAYMENTUS HOLDINGS INC-A (PAY)
US70439P1084 - Common Stock
We assign a fundamental rating of 6 out of 10 to PAY. PAY was compared to 99 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 expensively, but it does show have an excellent growth rating.
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 better Return On Assets (7.31%) than 83.84% of its industry peers.
Looking at the Return On Equity, with a value of 8.62%, PAY is in line with its industry, outperforming 47.47% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 7.39%, PAY is in the better half of the industry, outperforming 78.79% 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 of 5.19%. This is in the lower half of the industry: PAY underperforms 61.62% of its industry peers.
PAY's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 5.11%, PAY is doing worse than 65.66% of the companies in the same industry.
In the last couple of years the Operating Margin of PAY has declined.
PAY's Gross Margin of 28.46% is in line compared to the rest of the industry. PAY outperforms 51.52% of its industry peers.
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.
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 32.78. 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 32.78, PAY belongs to the top of the industry, outperforming 97.98% 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 | 32.78 |
ROIC/WACC0.81
WACC9.16%
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 has a Current ratio of 4.31. This is amongst the best in the industry. PAY outperforms 88.89% of its industry peers.
A Quick Ratio of 4.31 indicates that PAY has no problem at all paying its short term obligations.
PAY has a better Quick ratio (4.31) than 88.89% 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.
Measured over the past years, PAY shows a very strong growth in Earnings Per Share. The EPS has been growing by 36.61% on average per year.
The Revenue has grown by 33.84% in the past year. This is a very strong growth!
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
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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
A Price/Earnings ratio of 71.25 indicates a quite expensive valuation of PAY.
Compared to the rest of the industry, the Price/Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 76.77% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, PAY is valued quite expensively.
A Price/Forward Earnings ratio of 58.72 indicates a quite expensive valuation of PAY.
Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than 77.78% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.73. PAY is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 71.25 | ||
| Fwd PE | 58.72 |
4.2 Price Multiples
PAY's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. PAY is more expensive than 61.62% of the companies 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 63.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 176.89 | ||
| EV/EBITDA | 54.39 |
4.3 Compensation for Growth
PAY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PAY's earnings are expected to grow with 35.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.11
PEG (5Y)N/A
EPS Next 2Y39.34%
EPS Next 3Y35.16%
5. Dividend
5.1 Amount
No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYMENTUS HOLDINGS INC-A
NYSE:PAY (12/20/2024, 8:04:01 PM)
Premarket: 34.29 +0.09 (+0.26%)34.2
+1.25 (+3.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners67.02%
Inst Owner Change5.61%
Ins Owners2.84%
Ins Owner Change-3.63%
Market Cap4.26B
Analysts70.91
Price Target32.9 (-3.8%)
Short Float %1.27%
Short Ratio0.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)6.61%
PT rev (3m)63.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.69%
EPS NY rev (1m)18.15%
EPS NY rev (3m)19.1%
Revenue NQ rev (1m)1.14%
Revenue NQ rev (3m)11.87%
Revenue NY rev (1m)7.85%
Revenue NY rev (3m)8.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 71.25 | ||
| Fwd PE | 58.72 | ||
| P/S | 5.47 | ||
| P/FCF | 176.89 | ||
| P/OCF | 70.85 | ||
| P/B | 9.09 | ||
| P/tB | 17.06 | ||
| EV/EBITDA | 54.39 |
EPS(TTM)0.48
EY1.4%
EPS(NY)0.58
Fwd EY1.7%
FCF(TTM)0.19
FCFY0.57%
OCF(TTM)0.48
OCFY1.41%
SpS6.25
BVpS3.76
TBVpS2
PEG (NY)1.11
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 | 32.78 |
F-Score7
WACC9.16%
ROIC/WACC0.81
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 Year487.75%
EBIT Next 3Y109.79%
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