PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
NYSE:PAY - US70439P1084 - Common Stock
38.93 USD
+0.21 (+0.54%)
38.93 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to PAY. PAY was compared to 100 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 expensive, but it does show an excellent growth. With these ratings, PAY could be worth investigating further 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.
PAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of PAY (9.20%) is better than 87.00% of its industry peers.
With a Return On Equity value of 10.86%, PAY perfoms like the industry average, outperforming 57.00% of the companies in the same industry.
The Return On Invested Capital of PAY (9.39%) is better than 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
PAY has a Profit Margin (5.37%) which is in line with its industry peers.
In the last couple of years the Profit Margin of PAY has grown nicely.
PAY's Operating Margin of 5.54% is on the low side compared to the rest of the industry. PAY is outperformed by 68.00% 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.
In the last couple of years the Gross Margin of PAY has declined.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PAY is still creating some value.
The number of shares outstanding for PAY has been increased compared to 1 year ago.
Compared to 5 years 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
An Altman-Z score of 34.25 indicates that PAY is not in any danger for bankruptcy at the moment.
PAY has a better Altman-Z score (34.25) than 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 | 34.25 |
ROIC/WACC1.06
WACC8.87%
2.3 Liquidity
A Current Ratio of 4.56 indicates that PAY has no problem at all paying its short term obligations.
PAY has a Current ratio of 4.56. This is amongst the best in the industry. PAY outperforms 90.00% of its industry peers.
PAY has a Quick Ratio of 4.56. This indicates that PAY is financially healthy and has no problem in meeting 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
PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.71%, which is quite impressive.
The Earnings Per Share has been growing by 34.01% on average over the past years. This is a very strong growth
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
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.
The Revenue is expected to grow by 12.00% on average over the next years. This is quite good.
EPS Next Y21.2%
EPS Next 2Y24.58%
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 68.30, which means the current valuation is very expensive for PAY.
Based on the Price/Earnings ratio, PAY is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.08. PAY is valued rather expensively when compared to this.
PAY is valuated quite expensively with a Price/Forward Earnings ratio of 50.17.
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 76.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PAY to the average of the S&P500 Index (22.72), we can say PAY is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.3 | ||
| Fwd PE | 50.17 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PAY is valued a bit more expensive than the industry average as 61.00% 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 | 60.71 | ||
| EV/EBITDA | 46.73 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PAY's earnings are expected to grow with 27.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.22
PEG (5Y)2.01
EPS Next 2Y24.58%
EPS Next 3Y27.66%
5. Dividend
5.1 Amount
PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
38.93
+0.21 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners81.09%
Inst Owner Change28.73%
Ins Owners4.98%
Ins Owner Change40.09%
Market Cap4.88B
Analysts83.64
Price Target39.48 (1.41%)
Short Float %3.36%
Short Ratio1.46
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)3.57%
PT rev (3m)12.2%
EPS NQ rev (1m)3.71%
EPS NQ rev (3m)-0.56%
EPS NY rev (1m)5.53%
EPS NY rev (3m)5.53%
Revenue NQ rev (1m)3.95%
Revenue NQ rev (3m)4.64%
Revenue NY rev (1m)3.34%
Revenue NY rev (3m)3.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.3 | ||
| Fwd PE | 50.17 | ||
| P/S | 4.67 | ||
| P/FCF | 60.71 | ||
| P/OCF | 41.83 | ||
| P/B | 9.44 | ||
| P/tB | 16.2 | ||
| EV/EBITDA | 46.73 |
EPS(TTM)0.57
EY1.46%
EPS(NY)0.78
Fwd EY1.99%
FCF(TTM)0.64
FCFY1.65%
OCF(TTM)0.93
OCFY2.39%
SpS8.34
BVpS4.13
TBVpS2.4
PEG (NY)3.22
PEG (5Y)2.01
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 | 34.25 |
F-Score7
WACC8.87%
ROIC/WACC1.06
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 Y21.2%
EPS Next 2Y24.58%
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 Year196.39%
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%