PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - NYSE:PSFE - BMG6964L2062 - Common Stock
14.05 USD
-0.35 (-2.43%)
14.33 USD
+0.28 (+1.99%)
Taking everything into account, PSFE scores 3 out of 10 in our fundamental rating. PSFE was compared to 101 industry peers in the Financial Services industry. PSFE has a bad profitability rating. Also its financial health evaluation is rather negative. PSFE scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
Each year in the past 5 years PSFE had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -1.00%, PSFE is doing worse than 80.20% of the companies in the same industry.
With a Return On Equity value of -6.08%, PSFE is not doing good in the industry: 80.20% of the companies in the same industry are doing better.
The Return On Invested Capital of PSFE (2.58%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for PSFE is below the industry average of 7.64%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROIC | 2.58% |
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
PSFE's Operating Margin of 6.79% is on the low side compared to the rest of the industry. PSFE is outperformed by 64.36% of its industry peers.
PSFE's Operating Margin has declined in the last couple of years.
The Gross Margin of PSFE (56.70%) is better than 71.29% of its industry peers.
PSFE's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% |
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%
2. Health
2.1 Basic Checks
PSFE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PSFE has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PSFE has more shares outstanding
Compared to 1 year ago, PSFE has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.05, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.05, PSFE is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
PSFE has a debt to FCF ratio of 20.92. This is a negative value and a sign of low solvency as PSFE would need 20.92 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 20.92, PSFE is in line with its industry, outperforming 46.53% of the companies in the same industry.
A Debt/Equity ratio of 3.15 is on the high side and indicates that PSFE has dependencies on debt financing.
PSFE's Debt to Equity ratio of 3.15 is on the low side compared to the rest of the industry. PSFE is outperformed by 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.05 |
ROIC/WACC0.33
WACC7.76%
2.3 Liquidity
PSFE has a Current Ratio of 1.20. 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 1.20. This is comparable to the rest of the industry: PSFE outperforms 59.41% of its industry peers.
A Quick Ratio of 1.20 indicates that PSFE should not have too much problems paying its short term obligations.
The Quick ratio of PSFE (1.20) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 638.10% over the past year.
PSFE shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
EPS 1Y (TTM)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
3.2 Future
The Earnings Per Share is expected to grow by 108.52% on average over the next years. This is a very strong growth
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y577.26%
EPS Next 2Y188.75%
EPS Next 3Y108.52%
EPS Next 5YN/A
Revenue Next Year0.57%
Revenue Next 2Y3.76%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.43, PSFE is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a somewhat cheap valuation: PSFE is cheaper than 60.40% of the companies listed in the same industry.
PSFE is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.68, the valuation of PSFE can be described as very cheap.
Based on the Price/Forward Earnings ratio, PSFE is valued cheaper than 92.08% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (22.73), we can say PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 91.09% of the companies listed in the same industry.
PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 87.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.78 | ||
| EV/EBITDA | 5.41 |
4.3 Compensation for Growth
PSFE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PSFE's earnings are expected to grow with 108.52% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y188.75%
EPS Next 3Y108.52%
5. Dividend
5.1 Amount
No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.05
-0.35 (-2.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners41.02%
Inst Owner Change37.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap826.84M
Analysts53.33
Price Target15.86 (12.88%)
Short Float %5.68%
Short Ratio4.36
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)0
Avg EPS beat(2)-9.74%
Min EPS beat(2)-18.76%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)-245.29%
Min EPS beat(4)-1035.83%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-194.93%
EPS beat(12)1
Avg EPS beat(12)-203.74%
EPS beat(16)3
Avg EPS beat(16)-1471.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.77%
Revenue beat(16)7
Avg Revenue beat(16)-0.92%
PT rev (1m)-2.1%
PT rev (3m)-2.1%
EPS NQ rev (1m)0.9%
EPS NQ rev (3m)165.11%
EPS NY rev (1m)0.54%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-3.82%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 4.68 | ||
| P/S | 0.49 | ||
| P/FCF | 6.78 | ||
| P/OCF | 3.55 | ||
| P/B | 1.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.41 |
EPS(TTM)1.13
EY8.04%
EPS(NY)3
Fwd EY21.36%
FCF(TTM)2.07
FCFY14.75%
OCF(TTM)3.96
OCFY28.17%
SpS28.49
BVpS13.71
TBVpS-37.68
PEG (NY)0.02
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROCE | 3.26% | ||
| ROIC | 2.58% | ||
| ROICexc | 4.07% | ||
| ROICexgc | N/A | ||
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% | ||
| FCFM | 7.27% |
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
ROICexc(3y)5.35%
ROICexc(5y)4.21%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.7%
ROCE(5y)3.07%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y45.09%
ROICexc growth 5Y9.54%
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%
F-Score5
Asset Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Debt/EBITDA | 6.55 | ||
| Cap/Depr | 40.49% | ||
| Cap/Sales | 6.62% | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | 60.03% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | -0.05 |
F-Score5
WACC7.76%
ROIC/WACC0.33
Cap/Depr(3y)38.14%
Cap/Depr(5y)34.21%
Cap/Sales(3y)6.4%
Cap/Sales(5y)5.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
EPS Next Y577.26%
EPS Next 2Y188.75%
EPS Next 3Y108.52%
EPS Next 5YN/A
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
Revenue Next Year0.57%
Revenue Next 2Y3.76%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
EBIT growth 1Y-31.08%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year218.47%
EBIT Next 3Y51.64%
EBIT Next 5YN/A
FCF growth 1Y113.36%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y128.82%
OCF growth 3Y4.17%
OCF growth 5Y-2.56%