Taking everything into account, PSFE scores 4 out of 10 in our fundamental rating. PSFE was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of PSFE have multiple concerns. PSFE may be a bit undervalued, certainly considering the very reasonable score on growth

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

PSFE had positive earnings in the past year.
In the past year PSFE had a positive cash flow from operations.
In the past 5 years PSFE reported 4 times negative net income.
PSFE had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of -2.64%, PSFE is not doing good in the industry: 81.44% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -17.42%, PSFE is doing worse than 82.47% of the companies in the same industry.
The Return On Invested Capital of PSFE (3.11%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for PSFE is significantly below the industry average of 8.44%.
The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(3.11%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	-2.64%
ROE	-17.42%
ROIC	3.11%

ROA(3y)-10.4%

ROA(5y)-6.89%

ROE(3y)-72.16%

ROE(5y)-45.48%

ROIC(3y)2.93%

ROIC(5y)2.43%

1.3 Margins

Looking at the Operating Margin, with a value of 7.77%, PSFE is doing worse than 63.92% of the companies in the same industry.
PSFE's Operating Margin has declined in the last couple of years.
PSFE's Gross Margin of 56.58% is fine compared to the rest of the industry. PSFE outperforms 70.10% of its industry peers.
PSFE's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	7.77%
PM (TTM)	N/A
GM	56.58%

OM growth 3Y14.8%

OM growth 5Y-8.97%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-0.93%

GM growth 5Y-1.98%

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ROA

ROE

ROIC

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PSFE is destroying value.
Compared to 1 year ago, PSFE has less shares outstanding
PSFE has more shares outstanding than it did 5 years ago.
PSFE has a worse debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of -0.13, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.13, PSFE is not doing good in the industry: 64.95% of the companies in the same industry are doing better.
PSFE has a debt to FCF ratio of 23.41. This is a negative value and a sign of low solvency as PSFE would need 23.41 years to pay back of all of its debts.
PSFE has a Debt to FCF ratio (23.41) which is in line with its industry peers.
PSFE has a Debt/Equity ratio of 3.50. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.50, PSFE is not doing good in the industry: 78.35% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	3.5
Debt/FCF	23.41
Altman-Z	-0.13

ROIC/WACC0.47

WACC6.6%

2.3 Liquidity

PSFE has a Current Ratio of 1.18. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
PSFE has a Current ratio of 1.18. This is comparable to the rest of the industry: PSFE outperforms 59.79% of its industry peers.
PSFE has a Quick Ratio of 1.18. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.18, PSFE is doing good in the industry, outperforming 61.86% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.18
Quick Ratio	1.18

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 636.84% over the past year.
PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
Measured over the past years, PSFE shows a small growth in Revenue. The Revenue has been growing by 3.75% on average per year.

EPS 1Y (TTM)636.84%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%433.33%

Revenue 1Y (TTM)-0.95%

Revenue growth 3Y4.66%

Revenue growth 5Y3.75%

Sales Q2Q%1.57%

3.2 Future

PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 98.81% yearly.
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.76% yearly.

EPS Next Y426.88%

EPS Next 2Y155.05%

EPS Next 3Y98.81%

EPS Next 5YN/A

Revenue Next Year-0.63%

Revenue Next 2Y2.74%

Revenue Next 3Y3.76%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 3.64, the valuation of PSFE can be described as very cheap.
PSFE's Price/Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 96.91% of the companies in the same industry.
PSFE is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 3.17 indicates a rather cheap valuation of PSFE.
98.97% of the companies in the same industry are more expensive than PSFE, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (24.26), we can say PSFE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	3.64
Fwd PE	3.17

4.2 Price Multiples

95.88% of the companies in the same industry are more expensive than PSFE, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 96.91% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4
EV/EBITDA	4.32

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PSFE's earnings are expected to grow with 98.81% in the coming years. This may justify a more expensive valuation.