PAYA HOLDINGS INC (PAYA) Stock Fundamental Analysis
USA - NASDAQ:PAYA - US70434P1030 - Common Stock
9.74 USD
+0.01 (+0.1%)
9.74 USD
0 (0%)
Taking everything into account, PAYA scores 3 out of 10 in our fundamental rating. PAYA was compared to 84 industry peers in the IT Services industry. The financial health of PAYA is average, but there are quite some concerns on its profitability. 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.
In the past year PAYA had a positive cash flow from operations.
1.2 Ratios
PAYA has a Return On Assets (1.42%) which is in line with its industry peers.
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.
PAYA has a Return On Invested Capital (4.00%) which is comparable to the rest of the 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.
With a decent Operating Margin value of 9.60%, PAYA is doing good in 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYA is destroying value.
PAYA has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, PAYA has an improved debt to assets ratio.
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.
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.
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
A Current Ratio of 2.11 indicates that PAYA has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.11, PAYA is doing good in the industry, outperforming 75.19% of the companies in the same industry.
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 has a Quick ratio of 2.11. This is in the better half 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.
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
Based on estimates for the next years, PAYA will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.17% on average per year.
Based on estimates for the next years, PAYA will show a quite strong growth in Revenue. The Revenue will grow by 11.51% on average per year.
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
With a Price/Earnings ratio of 26.32, PAYA can be considered very expensive at the moment.
PAYA's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.89. PAYA is around the same levels.
The Price/Forward Earnings ratio is 22.21, which indicates a rather expensive current valuation of PAYA.
60.15% of the companies in the same industry are more expensive than PAYA, based on the Price/Forward Earnings ratio.
PAYA's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 22.21 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAYA is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.39 | ||
| EV/EBITDA | 23.62 |
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%
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.