9.74 USD
+0.01 (+0.1%)
9.74 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to PAYA. PAYA was compared to 86 industry peers in the IT Services industry. PAYA scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PAYA has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
PAYA had positive earnings in the past year.
PAYA had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.42%, PAYA is in line with its industry, outperforming 56.39% of the companies in the same industry.
PAYA has a Return On Equity of 3.75%. This is comparable to the rest of the industry: PAYA outperforms 56.39% of its industry peers.
With a Return On Invested Capital value of 4.00%, PAYA perfoms like the industry average, outperforming 54.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 3.75% | ||
| ROIC | 4% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PAYA's Profit Margin of 3.42% is fine compared to the rest of the industry. PAYA outperforms 60.15% of its industry peers.
Looking at the Operating Margin, with a value of 9.60%, PAYA is in the better half of the industry, outperforming 61.65% of the companies in the same industry.
Looking at the Gross Margin, with a value of 51.29%, PAYA is in the better half of the industry, outperforming 70.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.6% | ||
| PM (TTM) | 3.42% | ||
| GM | 51.29% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PAYA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PAYA has more shares outstanding than it did 1 year ago.
The debt/assets ratio for PAYA has been reduced compared to a year ago.
2.2 Solvency
PAYA has an Altman-Z score of 2.68. This is not the best score and indicates that PAYA is in the grey zone with still only limited risk for bankruptcy at the moment.
PAYA's Altman-Z score of 2.68 is fine compared to the rest of the industry. PAYA outperforms 64.66% of its industry peers.
PAYA has a debt to FCF ratio of 6.30. This is a slightly negative value and a sign of low solvency as PAYA would need 6.30 years to pay back of all of its debts.
PAYA's Debt to FCF ratio of 6.30 is fine compared to the rest of the industry. PAYA outperforms 62.41% of its industry peers.
PAYA has a Debt/Equity ratio of 0.95. This is a neutral value indicating PAYA is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.95, PAYA is doing worse than 64.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | 6.3 | ||
| Altman-Z | 2.68 |
ROIC/WACC0.44
WACC9.2%
2.3 Liquidity
PAYA has a Current Ratio of 2.11. This indicates that PAYA is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PAYA (2.11) is better than 75.19% of its industry peers.
PAYA has a Quick Ratio of 2.11. This indicates that PAYA is financially healthy and has no problem in meeting its short term obligations.
PAYA's Quick ratio of 2.11 is fine compared to the rest of the industry. PAYA outperforms 75.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.11 | ||
| Quick Ratio | 2.11 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.63% over the past year.
Looking at the last year, PAYA shows a very negative growth in Revenue. The Revenue has decreased by -28.69% in the last year.
EPS 1Y (TTM)15.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125%
Revenue 1Y (TTM)-28.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.18%
3.2 Future
The Earnings Per Share is expected to grow by 15.17% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.51% on average over the next years. This is quite good.
EPS Next Y18.73%
EPS Next 2Y17.07%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue Next Year14.7%
Revenue Next 2Y12.89%
Revenue Next 3Y12.24%
Revenue Next 5Y11.51%
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 26.32, which means the current valuation is very expensive for PAYA.
Compared to the rest of the industry, the Price/Earnings ratio of PAYA is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.31, PAYA is valued at the same level.
A Price/Forward Earnings ratio of 22.21 indicates a rather expensive valuation of PAYA.
Based on the Price/Forward Earnings ratio, PAYA is valued a bit cheaper than the industry average as 60.15% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, PAYA is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 22.21 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYA.
PAYA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.39 | ||
| EV/EBITDA | 23.62 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PAYA's earnings are expected to grow with 15.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.41
PEG (5Y)N/A
EPS Next 2Y17.07%
EPS Next 3Y15.17%
5. Dividend
5.1 Amount
No dividends for PAYA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.74
+0.01 (+0.1%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners49.15%
Ins Owner Change0%
Market Cap1.29B
Revenue(TTM)276.91M
Net Income(TTM)9.47M
Analysts71.25
Price Target9.84 (1.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)0.1%
Min EPS beat(2)-5.46%
Max EPS beat(2)5.67%
EPS beat(4)3
Avg EPS beat(4)4.22%
Min EPS beat(4)-5.46%
Max EPS beat(4)10.64%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.53%
Min Revenue beat(2)-0.62%
Max Revenue beat(2)1.67%
Revenue beat(4)2
Avg Revenue beat(4)0.67%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)2.73%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.37%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 22.21 | ||
| P/S | 4.65 | ||
| P/FCF | 33.39 | ||
| P/OCF | 29.56 | ||
| P/B | 5.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.62 |
EPS(TTM)0.37
EY3.8%
EPS(NY)0.44
Fwd EY4.5%
FCF(TTM)0.29
FCFY2.99%
OCF(TTM)0.33
OCFY3.38%
SpS2.09
BVpS1.91
TBVpS-0.74
PEG (NY)1.41
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 3.75% | ||
| ROCE | N/A | ||
| ROIC | 4% | ||
| ROICexc | 5.69% | ||
| ROICexgc | 111.35% | ||
| OM | 9.6% | ||
| PM (TTM) | 3.42% | ||
| GM | 51.29% | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
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 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | 6.3 | ||
| Debt/EBITDA | 4.18 | ||
| Cap/Depr | 15.82% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 407.47% | ||
| Current Ratio | 2.11 | ||
| Quick Ratio | 2.11 | ||
| Altman-Z | 2.68 |
F-Score6
WACC9.2%
ROIC/WACC0.44
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125%
EPS Next Y18.73%
EPS Next 2Y17.07%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-28.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.18%
Revenue Next Year14.7%
Revenue Next 2Y12.89%
Revenue Next 3Y12.24%
Revenue Next 5Y11.51%
EBIT growth 1Y-33.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year203.09%
EBIT Next 3Y58.4%
EBIT Next 5Y44.07%
FCF growth 1Y1297.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1453.39%
OCF growth 3YN/A
OCF growth 5YN/A
PAYA HOLDINGS INC / PAYA FAQ
Can you provide the ChartMill fundamental rating for PAYA HOLDINGS INC?
ChartMill assigns a fundamental rating of 3 / 10 to PAYA.
Can you provide the valuation status for PAYA HOLDINGS INC?
ChartMill assigns a valuation rating of 1 / 10 to PAYA HOLDINGS INC (PAYA). This can be considered as Overvalued.
How profitable is PAYA HOLDINGS INC (PAYA) stock?
PAYA HOLDINGS INC (PAYA) has a profitability rating of 1 / 10.
What are the PE and PB ratios of PAYA HOLDINGS INC (PAYA) stock?
The Price/Earnings (PE) ratio for PAYA HOLDINGS INC (PAYA) is 26.32 and the Price/Book (PB) ratio is 5.1.
Can you provide the expected EPS growth for PAYA stock?
The Earnings per Share (EPS) of PAYA HOLDINGS INC (PAYA) is expected to grow by 18.73% in the next year.