PAYMENTUS HOLDINGS INC-A (PAY)
US70439P1084 - Common Stock
PAY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 104 industry peers in the Financial Services industry. PAY has an excellent financial health rating, but there are some minor concerns on its profitability. PAY shows excellent growth, but is valued quite expensive already.
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.
PAY had positive earnings in 4 of the past 5 years.
In the past 5 years PAY always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PAY (4.42%) is better than 79.81% of its industry peers.
PAY has a Return On Equity (5.19%) which is in line with its industry peers.
PAY's Return On Invested Capital of 3.63% is in line compared to the rest of the industry. PAY outperforms 56.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 5.19% | ||
| ROIC | 3.63% |
ROA(3y)1.93%
ROA(5y)4.76%
ROE(3y)2.29%
ROE(5y)6.01%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 3.63%, PAY perfoms like the industry average, outperforming 40.38% of the companies in the same industry.
In the last couple of years the Profit Margin of PAY has grown nicely.
The Operating Margin of PAY (2.94%) is worse than 67.31% of its industry peers.
In the last couple of years the Operating Margin of PAY has declined.
Looking at the Gross Margin, with a value of 29.69%, PAY is in line with its industry, outperforming 49.04% of the companies in the same industry.
In the last couple of years the Gross Margin of PAY has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.94% | ||
| PM (TTM) | 3.63% | ||
| GM | 29.69% |
OM growth 3Y-21.54%
OM growth 5YN/A
PM growth 3Y8.85%
PM growth 5YN/A
GM growth 3Y-1.11%
GM growth 5YN/A
2. Health
2.1 Basic Checks
PAY has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PAY has more shares outstanding
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 22.08. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
PAY's Altman-Z score of 22.08 is amongst the best of the industry. PAY outperforms 97.12% of its industry peers.
PAY 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 | 22.08 |
ROIC/WACC0.41
WACC8.91%
2.3 Liquidity
PAY has a Current Ratio of 4.31. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
PAY's Current ratio of 4.31 is amongst the best of the industry. PAY outperforms 91.35% of its industry peers.
A Quick Ratio of 4.31 indicates that PAY has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.31, PAY belongs to the top of the industry, outperforming 91.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 |
3. Growth
3.1 Past
PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 708.51%, which is quite impressive.
PAY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.61% yearly.
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.64%.
Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 26.75% on average per year.
EPS 1Y (TTM)708.51%
EPS 3Y36.61%
EPS 5YN/A
EPS Q2Q%400%
Revenue 1Y (TTM)23.64%
Revenue growth 3Y26.75%
Revenue growth 5YN/A
Sales Q2Q%24.64%
3.2 Future
PAY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.11% yearly.
The Revenue is expected to grow by 16.30% on average over the next years. This is quite good.
EPS Next Y28.21%
EPS Next 2Y25.3%
EPS Next 3Y23.67%
EPS Next 5Y23.11%
Revenue Next Year23.49%
Revenue Next 2Y21.06%
Revenue Next 3Y19.94%
Revenue Next 5Y16.3%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
PAY is valuated quite expensively with a Price/Earnings ratio of 56.05.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than 67.31% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.41, PAY is valued quite expensively.
With a Price/Forward Earnings ratio of 45.22, PAY can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than the industry average as 73.08% of the companies are valued more cheaply.
PAY is valuated expensively when we compare the Price/Forward Earnings ratio to 20.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.05 | ||
| Fwd PE | 45.22 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAY is on the same level as its industry peers.
PAY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PAY is more expensive than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 76.6 | ||
| EV/EBITDA | 48.16 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PAY does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as PAY's earnings are expected to grow with 23.67% in the coming years.
PEG (NY)1.99
PEG (5Y)N/A
EPS Next 2Y25.3%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYMENTUS HOLDINGS INC-A
NYSE:PAY (7/26/2024, 7:04:01 PM)
After market: 21.41 +0.11 (+0.52%)21.3
+0.99 (+4.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.64B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.05 | ||
| Fwd PE | 45.22 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.99
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 5.19% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 2.94% | ||
| PM (TTM) | 3.63% | ||
| GM | 29.69% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)708.51%
EPS 3Y36.61%
EPS 5Y
EPS Q2Q%
EPS Next Y28.21%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)23.64%
Revenue growth 3Y26.75%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y