PAYA HOLDINGS INC (PAYA) Stock Fundamental Analysis

NASDAQ:PAYA • US70434P1030

9.74 USD
+0.01 (+0.1%)
At close: Feb 21, 2023
9.74 USD
0 (0%)
After Hours: 2/21/2023, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, PAYA scores 3 out of 10 in our fundamental rating. PAYA was compared to 87 industry peers in the IT Services industry. While PAYA seems to be doing ok healthwise, there are quite some concerns on its profitability. PAYA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
PAYA Yearly Net Income VS EBIT VS OCF VS FCFPAYA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 0 10M 20M 30M

1.2 Ratios

  • The Return On Assets of PAYA (1.42%) is comparable to the rest of the industry.
  • PAYA's Return On Equity of 3.75% is in line compared 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 RankSector 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
PAYA Yearly ROA, ROE, ROICPAYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 0 1 2 3 4

1.3 Margins

  • PAYA has a Profit Margin of 3.42%. This is in the better half 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.
  • PAYA has a Gross Margin of 51.29%. This is in the better half of the industry: PAYA outperforms 70.68% of its industry peers.
Industry RankSector 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
PAYA Yearly Profit, Operating, Gross MarginsPAYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 0 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • PAYA has a better debt/assets ratio than last year.
PAYA Yearly Shares OutstandingPAYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M
PAYA Yearly Total Debt VS Total AssetsPAYA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 2.68 indicates that PAYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of PAYA (2.68) is better than 64.66% of its industry peers.
  • The Debt to FCF ratio of PAYA is 6.30, which is on the high side as it means it would take PAYA, 6.30 years of fcf income to pay off 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.
  • A Debt/Equity ratio of 0.95 indicates that PAYA is somewhat dependend on debt financing.
  • PAYA has a worse Debt to Equity ratio (0.95) than 64.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.95
Debt/FCF 6.3
Altman-Z 2.68
ROIC/WACC0.44
WACC9.2%
PAYA Yearly LT Debt VS Equity VS FCFPAYA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 0 100M 200M 300M

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.
  • PAYA has a better Current ratio (2.11) than 75.19% of its industry peers.
  • A Quick Ratio of 2.11 indicates that PAYA has no problem at all paying its short term obligations.
  • With a decent Quick ratio value of 2.11, PAYA is doing good in the industry, outperforming 75.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.11
Quick Ratio 2.11
PAYA Yearly Current Assets VS Current LiabilitesPAYA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • PAYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.63%, which is quite good.
  • PAYA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -28.69%.
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.
  • PAYA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.51% yearly.
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

PAYA Yearly Revenue VS EstimatesPAYA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 100M 200M 300M
PAYA Yearly EPS VS EstimatesPAYA Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 26.32, the valuation of PAYA can be described as expensive.
  • PAYA's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.10. PAYA is around the same levels.
  • PAYA is valuated rather expensively with a Price/Forward Earnings ratio of 22.21.
  • 60.15% of the companies in the same industry are more expensive than PAYA, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, PAYA is valued a bit cheaper.
Industry RankSector Rank
PE 26.32
Fwd PE 22.21
PAYA Price Earnings VS Forward Price EarningsPAYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • PAYA's Enterprise Value to EBITDA ratio is in line with the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as PAYA.
Industry RankSector Rank
P/FCF 33.39
EV/EBITDA 23.62
PAYA Per share dataPAYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1 1.5 2

4.3 Compensation for Growth

  • PAYA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as PAYA's earnings are expected to grow with 15.17% in the coming years.
PEG (NY)1.41
PEG (5Y)N/A
EPS Next 2Y17.07%
EPS Next 3Y15.17%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for PAYA!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYA HOLDINGS INC

NASDAQ:PAYA (2/21/2023, 8:00:03 PM)

After market: 9.74 0 (0%)

9.74

+0.01 (+0.1%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-27
Earnings (Next)05-08
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.


What is the valuation status of PAYA HOLDINGS INC (PAYA) stock?

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.


Can you provide the PE and PB ratios for PAYA stock?

The Price/Earnings (PE) ratio for PAYA HOLDINGS INC (PAYA) is 26.32 and the Price/Book (PB) ratio is 5.1.


How financially healthy is PAYA HOLDINGS INC?

The financial health rating of PAYA HOLDINGS INC (PAYA) is 6 / 10.