PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PAY - US70439P1084 - Common Stock
34.72 USD
+0.52 (+1.52%)
34.72 USD
0 (0%)
PAY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 98 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
In the past year PAY was profitable.
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
Looking at the Return On Assets, with a value of 9.22%, PAY belongs to the top of the industry, outperforming 87.76% of the companies in the same industry.
PAY has a Return On Equity (11.06%) which is comparable to the rest of the industry.
PAY's Return On Invested Capital of 10.21% is amongst the best of the industry. PAY outperforms 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.22% | ||
| ROE | 11.06% | ||
| ROIC | 10.21% |
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
The Profit Margin of PAY (5.29%) is worse than 60.20% of its industry peers.
PAY's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 5.84%, PAY is not doing good in the industry: 66.33% of the companies in the same industry are doing better.
PAY's Operating Margin has declined in the last couple of years.
PAY has a Gross Margin (24.77%) which 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 | 5.84% | ||
| PM (TTM) | 5.29% | ||
| GM | 24.77% |
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.
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 27.01. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 27.01, PAY belongs to the best of the industry, outperforming 96.94% of the companies in the same industry.
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 | 27.01 |
ROIC/WACC1.18
WACC8.66%
2.3 Liquidity
A Current Ratio of 4.36 indicates that PAY has no problem at all paying its short term obligations.
PAY's Current ratio of 4.36 is amongst the best of the industry. PAY outperforms 87.76% of its industry peers.
A Quick Ratio of 4.36 indicates that PAY has no problem at all paying its short term obligations.
The Quick ratio of PAY (4.36) is better than 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.36 | ||
| Quick Ratio | 4.36 |
3. Growth
3.1 Past
PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.17%, which is quite impressive.
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.
Looking at the last year, PAY shows a very strong growth in Revenue. The Revenue has grown by 44.34%.
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)29.17%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%33.33%
Revenue 1Y (TTM)44.34%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%34.19%
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.
PAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.00% yearly.
EPS Next Y21.6%
EPS Next 2Y25.36%
EPS Next 3Y29.29%
EPS Next 5Y16.88%
Revenue Next Year35.14%
Revenue Next 2Y27.48%
Revenue Next 3Y24.57%
Revenue Next 5Y12%
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.
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
PAY is valuated quite expensively with a Price/Earnings ratio of 56.00.
Compared to the rest of the industry, the Price/Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 72.45% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PAY to the average of the S&P500 Index (26.31), we can say PAY is valued expensively.
With a Price/Forward Earnings ratio of 44.19, PAY can be considered very expensive at the moment.
75.51% of the companies in the same industry are cheaper than PAY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.59. PAY is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56 | ||
| Fwd PE | 44.19 |
4.2 Price Multiples
PAY's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. PAY is more expensive than 62.24% of the companies in the same industry.
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 | 40.17 | ||
| EV/EBITDA | 37.41 |
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.
PAY's earnings are expected to grow with 29.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.59
PEG (5Y)1.65
EPS Next 2Y25.36%
EPS Next 3Y29.29%
5. Dividend
5.1 Amount
PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
34.72
+0.52 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners78.4%
Inst Owner Change35.71%
Ins Owners3.76%
Ins Owner Change36.97%
Market Cap4.35B
Revenue(TTM)1.12B
Net Income(TTM)59.41M
Analysts83.64
Price Target39.53 (13.85%)
Short Float %4.36%
Short Ratio2.04
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)21.23%
Min EPS beat(2)8.67%
Max EPS beat(2)33.8%
EPS beat(4)4
Avg EPS beat(4)14.81%
Min EPS beat(4)7.26%
Max EPS beat(4)33.8%
EPS beat(8)8
Avg EPS beat(8)32.28%
EPS beat(12)12
Avg EPS beat(12)140.35%
EPS beat(16)15
Avg EPS beat(16)168.37%
Revenue beat(2)2
Avg Revenue beat(2)7.73%
Min Revenue beat(2)5.73%
Max Revenue beat(2)9.72%
Revenue beat(4)4
Avg Revenue beat(4)9.76%
Min Revenue beat(4)5.73%
Max Revenue beat(4)14.98%
Revenue beat(8)8
Avg Revenue beat(8)9.62%
Revenue beat(12)11
Avg Revenue beat(12)7.28%
Revenue beat(16)15
Avg Revenue beat(16)5.95%
PT rev (1m)0.11%
PT rev (3m)0.11%
EPS NQ rev (1m)7.29%
EPS NQ rev (3m)7.29%
EPS NY rev (1m)0%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)6.79%
Revenue NQ rev (3m)5.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56 | ||
| Fwd PE | 44.19 | ||
| P/S | 3.87 | ||
| P/FCF | 40.17 | ||
| P/OCF | 30.01 | ||
| P/B | 8.09 | ||
| P/tB | 13.48 | ||
| EV/EBITDA | 37.41 |
EPS(TTM)0.62
EY1.79%
EPS(NY)0.79
Fwd EY2.26%
FCF(TTM)0.86
FCFY2.49%
OCF(TTM)1.16
OCFY3.33%
SpS8.97
BVpS4.29
TBVpS2.58
PEG (NY)2.59
PEG (5Y)1.65
Graham Number7.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.22% | ||
| ROE | 11.06% | ||
| ROCE | 11.97% | ||
| ROIC | 10.21% | ||
| ROICexc | 21.49% | ||
| ROICexgc | 121.82% | ||
| OM | 5.84% | ||
| PM (TTM) | 5.29% | ||
| GM | 24.77% | ||
| FCFM | 9.63% |
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
ROICexgc growth 3Y13.34%
ROICexgc 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 Turnover1.74
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 89.08% | ||
| Cap/Sales | 3.26% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 135.67% | ||
| Profit Quality | 182.21% | ||
| Current Ratio | 4.36 | ||
| Quick Ratio | 4.36 | ||
| Altman-Z | 27.01 |
F-Score7
WACC8.66%
ROIC/WACC1.18
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)29.17%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%33.33%
EPS Next Y21.6%
EPS Next 2Y25.36%
EPS Next 3Y29.29%
EPS Next 5Y16.88%
Revenue 1Y (TTM)44.34%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%34.19%
Revenue Next Year35.14%
Revenue Next 2Y27.48%
Revenue Next 3Y24.57%
Revenue Next 5Y12%
EBIT growth 1Y64.95%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year201.41%
EBIT Next 3Y68.49%
EBIT Next 5Y39.13%
FCF growth 1Y322.21%
FCF growth 3YN/A
FCF growth 5Y40.29%
OCF growth 1Y145.11%
OCF growth 3Y48.35%
OCF growth 5Y29.44%
PAYMENTUS HOLDINGS INC-A / PAY FAQ
What is the ChartMill fundamental rating of PAYMENTUS HOLDINGS INC-A (PAY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to PAY.
What is the valuation status of PAYMENTUS HOLDINGS INC-A (PAY) stock?
ChartMill assigns a valuation rating of 1 / 10 to PAYMENTUS HOLDINGS INC-A (PAY). This can be considered as Overvalued.
What is the profitability of PAY stock?
PAYMENTUS HOLDINGS INC-A (PAY) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for PAY stock?
The Price/Earnings (PE) ratio for PAYMENTUS HOLDINGS INC-A (PAY) is 56 and the Price/Book (PB) ratio is 8.09.
How sustainable is the dividend of PAYMENTUS HOLDINGS INC-A (PAY) stock?
The dividend rating of PAYMENTUS HOLDINGS INC-A (PAY) is 0 / 10 and the dividend payout ratio is 0%.