PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
USA - NYSE:PAY - US70439P1084 - Common Stock
29.33 USD
+0.34 (+1.17%)
28.99 USD
-0.34 (-1.16%)
We assign a fundamental rating of 6 out of 10 to PAY. PAY was compared to 99 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. These ratings would make PAY suitable for growth investing!
1. Profitability
1.1 Basic Checks
PAY had positive earnings in the past year.
PAY had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 9.20%, PAY belongs to the top of the industry, outperforming 87.00% of the companies in the same industry.
The Return On Equity of PAY (10.86%) is comparable to the rest of the industry.
PAY's Return On Invested Capital of 9.39% is amongst the best of the industry. PAY outperforms 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.2% | ||
| ROE | 10.86% | ||
| ROIC | 9.39% |
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
Looking at the Profit Margin, with a value of 5.37%, PAY is in line with its industry, outperforming 45.00% 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 (5.54%) is worse than 66.00% of its industry peers.
In the last couple of years the Operating Margin of PAY has declined.
The Gross Margin of PAY (25.29%) is comparable to the rest of the industry.
PAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.54% | ||
| PM (TTM) | 5.37% | ||
| GM | 25.29% |
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
PAY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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
An Altman-Z score of 26.65 indicates that PAY is not in any danger for bankruptcy at the moment.
PAY's Altman-Z score of 26.65 is amongst the best of the industry. PAY outperforms 97.00% 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 | 26.65 |
ROIC/WACC1.08
WACC8.66%
2.3 Liquidity
PAY has a Current Ratio of 4.56. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 4.56, PAY belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
A Quick Ratio of 4.56 indicates that PAY has no problem at all paying its short term obligations.
PAY's Quick ratio of 4.56 is amongst the best of the industry. PAY outperforms 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.56 | ||
| Quick Ratio | 4.56 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.71% 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 34.01% on average per year.
The Revenue has grown by 49.36% in the past year. This is a very strong growth!
Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 29.89% on average per year.
EPS 1Y (TTM)35.71%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%25%
Revenue 1Y (TTM)49.36%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%41.87%
3.2 Future
Based on estimates for the next years, PAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.88% on average per year.
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 Y23.56%
EPS Next 2Y25.25%
EPS Next 3Y27.66%
EPS Next 5Y16.88%
Revenue Next Year35.73%
Revenue Next 2Y27.8%
Revenue Next 3Y25.02%
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.
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
The Price/Earnings ratio is 51.46, which means the current valuation is very expensive for PAY.
PAY's Price/Earnings ratio is a bit more expensive when compared to the industry. PAY is more expensive than 72.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of PAY to the average of the S&P500 Index (27.42), we can say PAY is valued expensively.
A Price/Forward Earnings ratio of 37.39 indicates a quite expensive valuation of PAY.
Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than the industry average as 73.00% of the companies are valued more cheaply.
PAY is valuated expensively when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.46 | ||
| Fwd PE | 37.39 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 45.74 | ||
| EV/EBITDA | 34.74 |
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 27.66% in the coming years.
PEG (NY)2.18
PEG (5Y)1.51
EPS Next 2Y25.25%
EPS Next 3Y27.66%
5. Dividend
5.1 Amount
No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
29.33
+0.34 (+1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners78.4%
Inst Owner Change0.12%
Ins Owners3.76%
Ins Owner Change35.92%
Market Cap3.67B
Analysts83.64
Price Target39.48 (34.61%)
Short Float %2.9%
Short Ratio1.37
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)9.09%
Min EPS beat(2)8.67%
Max EPS beat(2)9.52%
EPS beat(4)4
Avg EPS beat(4)21.86%
Min EPS beat(4)7.26%
Max EPS beat(4)62.01%
EPS beat(8)8
Avg EPS beat(8)44.74%
EPS beat(12)12
Avg EPS beat(12)196.49%
EPS beat(16)14
Avg EPS beat(16)165.08%
Revenue beat(2)2
Avg Revenue beat(2)7.16%
Min Revenue beat(2)5.73%
Max Revenue beat(2)8.6%
Revenue beat(4)4
Avg Revenue beat(4)12.4%
Min Revenue beat(4)5.73%
Max Revenue beat(4)20.28%
Revenue beat(8)7
Avg Revenue beat(8)8.3%
Revenue beat(12)11
Avg Revenue beat(12)6.86%
Revenue beat(16)15
Avg Revenue beat(16)5.77%
PT rev (1m)0%
PT rev (3m)3.57%
EPS NQ rev (1m)-1.33%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)1.95%
EPS NY rev (3m)7.58%
Revenue NQ rev (1m)-0.56%
Revenue NQ rev (3m)3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.46 | ||
| Fwd PE | 37.39 | ||
| P/S | 3.52 | ||
| P/FCF | 45.74 | ||
| P/OCF | 31.52 | ||
| P/B | 7.11 | ||
| P/tB | 12.21 | ||
| EV/EBITDA | 34.74 |
EPS(TTM)0.57
EY1.94%
EPS(NY)0.78
Fwd EY2.67%
FCF(TTM)0.64
FCFY2.19%
OCF(TTM)0.93
OCFY3.17%
SpS8.34
BVpS4.13
TBVpS2.4
PEG (NY)2.18
PEG (5Y)1.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.2% | ||
| ROE | 10.86% | ||
| ROCE | 11% | ||
| ROIC | 9.39% | ||
| ROICexc | 19.03% | ||
| ROICexgc | 112.5% | ||
| OM | 5.54% | ||
| PM (TTM) | 5.37% | ||
| GM | 25.29% | ||
| FCFM | 7.69% |
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-Score7
Asset Turnover1.71
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 90.18% | ||
| Cap/Sales | 3.47% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 118.84% | ||
| Profit Quality | 143.17% | ||
| Current Ratio | 4.56 | ||
| Quick Ratio | 4.56 | ||
| Altman-Z | 26.65 |
F-Score7
WACC8.66%
ROIC/WACC1.08
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)35.71%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%25%
EPS Next Y23.56%
EPS Next 2Y25.25%
EPS Next 3Y27.66%
EPS Next 5Y16.88%
Revenue 1Y (TTM)49.36%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%41.87%
Revenue Next Year35.73%
Revenue Next 2Y27.8%
Revenue Next 3Y25.02%
Revenue Next 5Y12%
EBIT growth 1Y75.32%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year201.41%
EBIT Next 3Y68.49%
EBIT Next 5Y39.13%
FCF growth 1Y620.99%
FCF growth 3YN/A
FCF growth 5Y40.29%
OCF growth 1Y164.81%
OCF growth 3Y48.35%
OCF growth 5Y29.44%