5.78 USD
-0.02 (-0.34%)
5.75 USD
-0.03 (-0.52%)
Taking everything into account, PAYO scores 4 out of 10 in our fundamental rating. PAYO was compared to 99 industry peers in the Financial Services industry. PAYO has only an average score on both its financial health and profitability. PAYO is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PAYO had positive earnings in the past year.
In the past year PAYO had a positive cash flow from operations.
In multiple years PAYO reported negative net income over the last 5 years.
Of the past 5 years PAYO 4 years had a positive operating cash flow.
1.2 Ratios
PAYO's Return On Assets of 0.88% is in line compared to the rest of the industry. PAYO outperforms 41.41% of its industry peers.
PAYO has a Return On Equity (9.64%) which is in line with its industry peers.
PAYO has a Return On Invested Capital of 10.99%. This is amongst the best in the industry. PAYO outperforms 85.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.64% | ||
| ROIC | 10.99% |
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PAYO's Profit Margin of 6.96% is in line compared to the rest of the industry. PAYO outperforms 47.47% of its industry peers.
PAYO has a Operating Margin (12.06%) which is in line with its industry peers.
With an excellent Gross Margin value of 84.08%, PAYO belongs to the best of the industry, outperforming 86.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | 6.96% | ||
| GM | 84.08% |
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PAYO is creating some value.
PAYO has more shares outstanding than it did 1 year ago.
There is no outstanding debt for PAYO. 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
PAYO has an Altman-Z score of 0.38. This is a bad value and indicates that PAYO is not financially healthy and even has some risk of bankruptcy.
PAYO has a Altman-Z score (0.38) which is comparable to the rest of the industry.
PAYO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 0.38 |
ROIC/WACC1.25
WACC8.81%
2.3 Liquidity
PAYO has a Current Ratio of 1.01. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
PAYO has a Current ratio (1.01) which is in line with its industry peers.
PAYO has a Quick Ratio of 1.01. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of PAYO (1.01) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
PAYO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -45.71%.
PAYO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.58%.
Measured over the past years, PAYO shows a very strong growth in Revenue. The Revenue has been growing by 27.35% on average per year.
EPS 1Y (TTM)-45.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-63.64%
Revenue 1Y (TTM)10.58%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%9.09%
3.2 Future
The Earnings Per Share is expected to grow by 0.74% on average over the next years.
The Revenue is expected to grow by 9.41% on average over the next years. This is quite good.
EPS Next Y-36.95%
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
EPS Next 5YN/A
Revenue Next Year11.23%
Revenue Next 2Y9.32%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 30.42 indicates a quite expensive valuation of PAYO.
67.68% of the companies in the same industry are cheaper than PAYO, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.39. PAYO is around the same levels.
Based on the Price/Forward Earnings ratio of 19.47, the valuation of PAYO can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAYO indicates a slightly more expensive valuation: PAYO is more expensive than 60.61% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. PAYO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.42 | ||
| Fwd PE | 19.47 |
4.2 Price Multiples
72.73% of the companies in the same industry are more expensive than PAYO, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, PAYO is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.55 | ||
| EV/EBITDA | 8.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
5. Dividend
5.1 Amount
No dividends for PAYO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
5.78
-0.02 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.29%
Inst Owner Change-4.62%
Ins Owners2.5%
Ins Owner Change-2.36%
Market Cap2.06B
Revenue(TTM)1.04B
Net Income(TTM)72.37M
Analysts84.71
Price Target9.21 (59.34%)
Short Float %3.12%
Short Ratio3.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0
Avg EPS beat(2)-28.87%
Min EPS beat(2)-34.64%
Max EPS beat(2)-23.11%
EPS beat(4)0
Avg EPS beat(4)-26.07%
Min EPS beat(4)-34.64%
Max EPS beat(4)-22.6%
EPS beat(8)4
Avg EPS beat(8)18.93%
EPS beat(12)6
Avg EPS beat(12)26.02%
EPS beat(16)8
Avg EPS beat(16)11.4%
Revenue beat(2)2
Avg Revenue beat(2)0.88%
Min Revenue beat(2)0.82%
Max Revenue beat(2)0.94%
Revenue beat(4)3
Avg Revenue beat(4)1.66%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.98%
Revenue beat(8)6
Avg Revenue beat(8)3.11%
Revenue beat(12)9
Avg Revenue beat(12)2.66%
Revenue beat(16)13
Avg Revenue beat(16)4.14%
PT rev (1m)-6.88%
PT rev (3m)-8.12%
EPS NQ rev (1m)-1.78%
EPS NQ rev (3m)-6.79%
EPS NY rev (1m)-13.56%
EPS NY rev (3m)-13.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.16%
Revenue NY rev (1m)1.4%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.42 | ||
| Fwd PE | 19.47 | ||
| P/S | 1.98 | ||
| P/FCF | 13.55 | ||
| P/OCF | 9.18 | ||
| P/B | 2.75 | ||
| P/tB | 4.41 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)0.19
EY3.29%
EPS(NY)0.3
Fwd EY5.14%
FCF(TTM)0.43
FCFY7.38%
OCF(TTM)0.63
OCFY10.9%
SpS2.92
BVpS2.11
TBVpS1.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.64% | ||
| ROCE | 13.98% | ||
| ROIC | 10.99% | ||
| ROICexc | 23.61% | ||
| ROICexgc | 73.58% | ||
| OM | 12.06% | ||
| PM (TTM) | 6.96% | ||
| GM | 84.08% | ||
| FCFM | 14.62% |
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
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-Score7
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 121.25% | ||
| Cap/Sales | 6.97% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 121.24% | ||
| Profit Quality | 210.05% | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 0.38 |
F-Score7
WACC8.81%
ROIC/WACC1.25
Cap/Depr(3y)145.91%
Cap/Depr(5y)N/A
Cap/Sales(3y)5.51%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-45.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-63.64%
EPS Next Y-36.95%
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
EPS Next 5YN/A
Revenue 1Y (TTM)10.58%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%9.09%
Revenue Next Year11.23%
Revenue Next 2Y9.32%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
EBIT growth 1Y-14.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.38%
EBIT Next 3Y31.4%
EBIT Next 5YN/A
FCF growth 1Y52.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.19%
OCF growth 3Y106.75%
OCF growth 5YN/A
PAYONEER GLOBAL INC / PAYO FAQ
What is the fundamental rating for PAYO stock?
ChartMill assigns a fundamental rating of 4 / 10 to PAYO.
Can you provide the valuation status for PAYONEER GLOBAL INC?
ChartMill assigns a valuation rating of 2 / 10 to PAYONEER GLOBAL INC (PAYO). This can be considered as Overvalued.
Can you provide the profitability details for PAYONEER GLOBAL INC?
PAYONEER GLOBAL INC (PAYO) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for PAYO stock?
The Price/Earnings (PE) ratio for PAYONEER GLOBAL INC (PAYO) is 30.42 and the Price/Book (PB) ratio is 2.75.
How financially healthy is PAYONEER GLOBAL INC?
The financial health rating of PAYONEER GLOBAL INC (PAYO) is 5 / 10.