US70439P1084 - Common Stock

We assign a fundamental rating of **6** out of 10 to **PAY**. **PAY** was compared to 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.

In the past year **PAY** was profitable.

Of the past 5 years **PAY** 4 years were profitable.

Looking at the **Return On Assets**, with a value of **4.42%**, **PAY** is in the better half of the industry, outperforming **78.43%** of the companies in the same industry.

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

The **Gross Margin** of **PAY** (**29.69%**) is comparable to the rest of the 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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), **PAY** 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.

The **Altman-Z score** of **PAY** (**21.11**) is better than **97.06%** 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 | 21.11 |

ROIC/WACC0.41

WACC8.86%

The **Current ratio** of **PAY** (**4.31**) is better than **91.18%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 4.31 | ||

Quick Ratio | 4.31 |

Looking at the last year, **PAY** shows a very strong growth in **Revenue**. The Revenue has grown by **23.64%**.

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%

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%

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.

With a **Price/Earnings** ratio of **51.03**, **PAY** can be considered very expensive at the moment.

67.65% of the companies in the same industry are cheaper than **PAY**, based on the **Price/Earnings** ratio.

The average S&P500 **Price/Earnings** ratio is at **28.57**. **PAY** is valued rather expensively when compared to this.

74.51% of the companies in the same industry are cheaper than **PAY**, based on the **Price/Forward Earnings** ratio.

When comparing the **Price/Forward Earnings** ratio of **PAY** to the average of the S&P500 Index (**20.18**), we can say **PAY** is valued expensively.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 51.03 | ||

Fwd PE | 41.17 |

Compared to the rest of the industry, the **Enterprise Value to EBITDA** ratio of **PAY** indicates a slightly more expensive valuation: **PAY** is more expensive than 61.76% of the companies listed in the same industry.

Based on the **Price/Free Cash Flow** ratio, **PAY** is valued a bit more expensive than 62.75% of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 69.73 | ||

EV/EBITDA | 45.66 |

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)1.81

PEG (5Y)N/A

EPS Next 2Y25.3%

EPS Next 3Y23.67%

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | N/A |

**PAYMENTUS HOLDINGS INC-A**

NYSE:PAY (6/20/2024, 5:40:01 PM)

After market: 19.39 0 (0%)**19.39**

**+0.06 (+0.31%) **

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 Cap2.41B

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)

Avg EPS beat(4)

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)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

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 | 51.03 | ||

Fwd PE | 41.17 | ||

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)1.81

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