PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
NYSE:PAY - New York Stock Exchange, Inc. - US70439P1084 - Common Stock - Currency: USD
PAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. PAY is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. PAY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
PAY had positive earnings in the past year.
In the past year PAY had a positive cash flow from operations.
Of the past 5 years PAY 4 years were profitable.
In the past 5 years PAY always reported a positive cash flow from operatings.
1.2 Ratios
PAY has a Return On Assets of 7.66%. This is amongst the best in the industry. PAY outperforms 88.12% of its industry peers.
With a Return On Equity value of 9.10%, PAY perfoms like the industry average, outperforming 47.52% of the companies in the same industry.
The Return On Invested Capital of PAY (7.74%) is better than 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.66% | ||
| ROE | 9.1% | ||
| ROIC | 7.74% |
ROA(3y)3.99%
ROA(5y)4.05%
ROE(3y)4.72%
ROE(5y)5.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PAY's Profit Margin of 5.07% is on the low side compared to the rest of the industry. PAY is outperformed by 65.35% of its industry peers.
PAY's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 5.15%, PAY is doing worse than 68.32% of the companies in the same industry.
PAY's Operating Margin has declined in the last couple of years.
The Gross Margin of PAY (27.32%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of PAY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.15% | ||
| PM (TTM) | 5.07% | ||
| GM | 27.32% |
OM growth 3Y18.92%
OM growth 5Y-7.99%
PM growth 3Y41.99%
PM growth 5Y5.83%
GM growth 3Y-3.81%
GM growth 5Y-2.84%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAY is destroying value.
Compared to 1 year ago, PAY has more shares outstanding
PAY has more shares outstanding than it did 5 years ago.
There is no outstanding debt for PAY. 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
PAY has an Altman-Z score of 31.60. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
PAY has a Altman-Z score of 31.60. This is amongst the best in the industry. PAY outperforms 99.01% of its industry peers.
There is no outstanding debt for PAY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 31.6 |
ROIC/WACC0.81
WACC9.51%
2.3 Liquidity
PAY has a Current Ratio of 4.24. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PAY (4.24) is better than 93.07% of its industry peers.
A Quick Ratio of 4.24 indicates that PAY has no problem at all paying its short term obligations.
PAY has a Quick ratio of 4.24. This is amongst the best in the industry. PAY outperforms 93.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.24 | ||
| Quick Ratio | 4.24 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 42.11% over the past year.
PAY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 34.01% yearly.
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.86%.
PAY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.89% yearly.
EPS 1Y (TTM)42.11%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%40%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%48.88%
3.2 Future
PAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.88% yearly.
Based on estimates for the next years, PAY will show a quite strong growth in Revenue. The Revenue will grow by 12.00% on average per year.
EPS Next Y15.57%
EPS Next 2Y21.08%
EPS Next 3Y23.28%
EPS Next 5Y16.88%
Revenue Next Year28.03%
Revenue Next 2Y23.85%
Revenue Next 3Y23.65%
Revenue Next 5Y12%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 65.41, which means the current valuation is very expensive for PAY.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than 77.23% of the companies in the same industry.
PAY is valuated expensively when we compare the Price/Earnings ratio to 23.99, which is the current average of the S&P500 Index.
PAY is valuated quite expensively with a Price/Forward Earnings ratio of 48.19.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 74.26% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.35, PAY is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 65.41 | ||
| Fwd PE | 48.19 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PAY is valued a bit more expensive than the industry average as 65.35% of the companies are valued more cheaply.
PAY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 163.32 | ||
| EV/EBITDA | 51.43 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as PAY's earnings are expected to grow with 23.28% in the coming years.
PEG (NY)4.2
PEG (5Y)1.92
EPS Next 2Y21.08%
EPS Next 3Y23.28%
5. Dividend
5.1 Amount
PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
35.32
+0.24 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.73%
Inst Owner Change5.35%
Ins Owners2.52%
Ins Owner Change2.54%
Market Cap4.42B
Analysts74.55
Price Target35.19 (-0.37%)
Short Float %4.18%
Short Ratio2.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.64%
Min EPS beat(2)7.26%
Max EPS beat(2)62.01%
EPS beat(4)4
Avg EPS beat(4)36.52%
Min EPS beat(4)7.26%
Max EPS beat(4)62.01%
EPS beat(8)8
Avg EPS beat(8)152.74%
EPS beat(12)11
Avg EPS beat(12)204.92%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)17.63%
Min Revenue beat(2)14.98%
Max Revenue beat(2)20.28%
Revenue beat(4)4
Avg Revenue beat(4)12.32%
Min Revenue beat(4)5.78%
Max Revenue beat(4)20.28%
Revenue beat(8)7
Avg Revenue beat(8)7.53%
Revenue beat(12)11
Avg Revenue beat(12)5.8%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-5.97%
PT rev (3m)-9.35%
EPS NQ rev (1m)-1.12%
EPS NQ rev (3m)-1.12%
EPS NY rev (1m)-1.23%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)4.3%
Revenue NY rev (1m)-0.55%
Revenue NY rev (3m)4.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 65.41 | ||
| Fwd PE | 48.19 | ||
| P/S | 5.07 | ||
| P/FCF | 163.32 | ||
| P/OCF | 69.45 | ||
| P/B | 9.1 | ||
| P/tB | 16.53 | ||
| EV/EBITDA | 51.43 |
EPS(TTM)0.54
EY1.53%
EPS(NY)0.73
Fwd EY2.08%
FCF(TTM)0.22
FCFY0.61%
OCF(TTM)0.51
OCFY1.44%
SpS6.97
BVpS3.88
TBVpS2.14
PEG (NY)4.2
PEG (5Y)1.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.66% | ||
| ROE | 9.1% | ||
| ROCE | 9.07% | ||
| ROIC | 7.74% | ||
| ROICexc | 13.26% | ||
| ROICexgc | 54.29% | ||
| OM | 5.15% | ||
| PM (TTM) | 5.07% | ||
| GM | 27.32% | ||
| FCFM | 3.1% |
ROA(3y)3.99%
ROA(5y)4.05%
ROE(3y)4.72%
ROE(5y)5.21%
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
ROICexcg growth 3Y13.34%
ROICexcg growth 5Y-11.06%
ROICexc growth 3Y43.48%
ROICexc growth 5Y-18.27%
OM growth 3Y18.92%
OM growth 5Y-7.99%
PM growth 3Y41.99%
PM growth 5Y5.83%
GM growth 3Y-3.81%
GM growth 5Y-2.84%
F-Score6
Asset Turnover1.51
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 100.25% | ||
| Cap/Sales | 4.2% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 78.23% | ||
| Profit Quality | 61.26% | ||
| Current Ratio | 4.24 | ||
| Quick Ratio | 4.24 | ||
| Altman-Z | 31.6 |
F-Score6
WACC9.51%
ROIC/WACC0.81
Cap/Depr(3y)114.14%
Cap/Depr(5y)135.98%
Cap/Sales(3y)5.36%
Cap/Sales(5y)5.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.11%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%40%
EPS Next Y15.57%
EPS Next 2Y21.08%
EPS Next 3Y23.28%
EPS Next 5Y16.88%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%48.88%
Revenue Next Year28.03%
Revenue Next 2Y23.85%
Revenue Next 3Y23.65%
Revenue Next 5Y12%
EBIT growth 1Y148.65%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year177.86%
EBIT Next 3Y62.03%
EBIT Next 5Y39.13%
FCF growth 1Y-21.64%
FCF growth 3YN/A
FCF growth 5Y40.29%
OCF growth 1Y-7.55%
OCF growth 3Y48.35%
OCF growth 5Y29.44%