PAYMENTUS HOLDINGS INC-A (PAY)
US70439P1084 - Common Stock
PAY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. PAY has an excellent financial health rating, but there are some minor concerns on its profitability. PAY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year PAY was profitable.
In the past year PAY had a positive cash flow from operations.
PAY had positive earnings in 4 of the past 5 years.
Each year in the past 5 years PAY had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 4.42%, PAY is doing good in the industry, outperforming 75.49% of the companies in the same industry.
PAY has a Return On Equity (5.19%) which is in line with its industry peers.
The Return On Invested Capital of PAY (3.63%) is comparable to the rest of the industry.
| 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
PAY has a Profit Margin (3.63%) which is in line with its industry peers.
In the last couple of years the Profit Margin of PAY has grown nicely.
PAY has a Operating Margin of 2.94%. This is in the lower half of the industry: PAY underperforms 63.73% of its industry peers.
In the last couple of years the Operating Margin of PAY has declined.
PAY has a Gross Margin of 29.69%. This is comparable to the rest of the industry: PAY outperforms 51.96% of its industry peers.
PAY's Gross Margin has been stable in the last couple of years.
| 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.
PAY has more shares outstanding than it did 1 year 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 22.35. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
PAY has a better Altman-Z score (22.35) than 99.02% 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 | 22.35 |
ROIC/WACC0.39
WACC9.25%
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.
Looking at the Current ratio, with a value of 4.31, PAY belongs to the top of the industry, outperforming 92.16% of the companies in the same industry.
A Quick Ratio of 4.31 indicates that PAY has no problem at all paying its short term obligations.
The Quick ratio of PAY (4.31) is better than 93.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 4.31 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 426.32% over the past year.
Measured over the past years, PAY shows a very strong growth in Earnings Per Share. The EPS has been growing by 36.61% on average per year.
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.60%.
The Revenue has been growing by 26.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)426.32%
EPS 3Y36.61%
EPS 5YN/A
EPS growth Q2Q450%
Revenue 1Y (TTM)23.6%
Revenue growth 3Y26.75%
Revenue growth 5YN/A
Revenue growth Q2Q24.66%
3.2 Future
The Earnings Per Share is expected to grow by 23.11% on average over the next years. This is a very strong growth
Based on estimates for the next years, PAY will show a quite strong growth in Revenue. The Revenue will grow by 16.30% on average per year.
EPS Next Y26.06%
EPS Next 2Y23.79%
EPS Next 3Y22.01%
EPS Next 5Y23.11%
Revenue Next Year21.05%
Revenue Next 2Y19.71%
Revenue Next 3Y18.25%
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
A Price/Earnings ratio of 68.73 indicates a quite expensive valuation of PAY.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than 67.65% of the companies in the same industry.
When comparing the Price/Earnings ratio of PAY to the average of the S&P500 Index (25.25), we can say PAY is valued expensively.
With a Price/Forward Earnings ratio of 54.53, PAY can be considered very expensive at the moment.
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 70.59% of the companies listed in the same industry.
PAY is valuated expensively when we compare the Price/Forward Earnings ratio to 21.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.73 | ||
| Fwd PE | 54.53 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAY.
The rest of the industry has a similar Price/Free Cash Flow ratio as PAY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 74 | ||
| EV/EBITDA | 48.85 |
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 22.01% in the coming years.
PEG (NY)2.64
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3Y22.01%
5. Dividend
5.1 Amount
No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYMENTUS HOLDINGS INC-A
NYSE:PAY (4/24/2024, 7:21:43 PM)
After market: 20.5 -0.12 (-0.58%)20.62
+0.44 (+2.18%)
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 Cap2.56B
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)
Max EPS beat(4)
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)
Avg Revenue beat(8)
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 | 68.73 | ||
| Fwd PE | 54.53 | ||
| 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)2.64
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)
Growth
EPS 1Y (TTM)426.32%
EPS 3Y36.61%
EPS 5Y
EPS growth Q2Q
EPS Next Y26.06%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)23.6%
Revenue growth 3Y26.75%
Revenue growth 5Y
Revenue growth 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