Overall PSFE gets a fundamental rating of 4 out of 10. We evaluated PSFE against 97 industry peers in the Financial Services industry. PSFE may be in some trouble as it scores bad on both profitability and health. PSFE scores decently on growth, while it is valued quite cheap. This could make an interesting combination.

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.
PSFE had negative earnings in 4 of the past 5 years.
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.
PSFE has a worse Return On Equity (-17.42%) than 82.47% of its industry peers.
PSFE's Return On Invested Capital of 3.11% is in line compared to the rest of the industry. PSFE outperforms 52.58% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PSFE is significantly below the industry average of 8.46%.
The last Return On Invested Capital (3.11%) for PSFE is above the 3 year average (2.93%), which is a sign of increasing profitability.

		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 62.89% of the companies in the same industry.
In the last couple of years the Operating Margin of PSFE has declined.
PSFE has a Gross Margin of 56.58%. This is in the better half 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

Operating and Profit Margin

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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.
The number of shares outstanding for PSFE has been reduced compared to 1 year ago.
Compared to 5 years ago, PSFE has more shares outstanding
The debt/assets ratio for PSFE is higher compared to a year ago.

2.2 Solvency

PSFE has an Altman-Z score of -0.14. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.14, PSFE is doing worse than 65.98% of the companies in the same industry.
The Debt to FCF ratio of PSFE is 23.41, which is on the high side as it means it would take PSFE, 23.41 years of fcf income to pay off all of its debts.
PSFE has a Debt to FCF ratio (23.41) which is comparable to the rest of the industry.
A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
PSFE has a worse Debt to Equity ratio (3.50) than 78.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.5
Debt/FCF	23.41
Altman-Z	-0.14

ROIC/WACC0.48

WACC6.5%

2.3 Liquidity

A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.18, PSFE is in line with its industry, outperforming 59.79% of the companies in the same industry.
A Quick Ratio of 1.18 indicates that PSFE should not have too much problems paying 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

PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 636.84%, which is quite impressive.
The Revenue has decreased by -0.95% in the past year.
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

Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 98.81% on average per year.
Based on estimates for the next years, PSFE will show a small growth in Revenue. The Revenue will grow by 3.76% on average per year.

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

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 3.39, the valuation of PSFE can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 97.94% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.60. PSFE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 2.96 indicates a rather cheap valuation of PSFE.
Based on the Price/Forward Earnings ratio, PSFE is valued cheaper than 98.97% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 25.83. PSFE is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	3.39
Fwd PE	2.96

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 cheaply inside the industry as 96.91% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.73
EV/EBITDA	4.23

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.