9.74 USD
+0.01 (+0.1%)
9.74 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to PAYA. PAYA was compared to 88 industry peers in the IT Services industry. The financial health of PAYA is average, but there are quite some concerns on its profitability. PAYA is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- PAYA had positive earnings in the past year.
- In the past year PAYA had a positive cash flow from operations.
1.2 Ratios
- PAYA has a Return On Assets (1.42%) which is comparable to the rest of the industry.
- The Return On Equity of PAYA (3.75%) is comparable to the rest of the industry.
- PAYA's Return On Invested Capital of 4.00% is in line compared to the rest of the industry. PAYA outperforms 54.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 3.75% | ||
| ROIC | 4% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PAYA has a Profit Margin of 3.42%. This is in the better half of the industry: PAYA outperforms 60.15% of its industry peers.
- PAYA's Operating Margin of 9.60% is fine compared to the rest of the industry. PAYA outperforms 61.65% of its industry peers.
- PAYA's Gross Margin of 51.29% is fine compared to the rest of the industry. PAYA outperforms 70.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.6% | ||
| PM (TTM) | 3.42% | ||
| GM | 51.29% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYA is destroying value.
- Compared to 1 year ago, PAYA has more shares outstanding
- Compared to 1 year ago, PAYA has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.68 indicates that PAYA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.68, PAYA is in the better half of the industry, outperforming 64.66% of the companies in the same industry.
- PAYA has a debt to FCF ratio of 6.30. This is a slightly negative value and a sign of low solvency as PAYA would need 6.30 years to pay back of all of its debts.
- The Debt to FCF ratio of PAYA (6.30) is better than 62.41% of its industry peers.
- PAYA has a Debt/Equity ratio of 0.95. This is a neutral value indicating PAYA is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.95, PAYA is not doing good in the industry: 64.66% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | 6.3 | ||
| Altman-Z | 2.68 |
ROIC/WACC0.44
WACC9.2%
2.3 Liquidity
- A Current Ratio of 2.11 indicates that PAYA has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.11, PAYA is in the better half of the industry, outperforming 75.19% of the companies in the same industry.
- A Quick Ratio of 2.11 indicates that PAYA has no problem at all paying its short term obligations.
- With a decent Quick ratio value of 2.11, PAYA is doing good in the industry, outperforming 75.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.11 | ||
| Quick Ratio | 2.11 |
3. Growth
3.1 Past
- PAYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.63%, which is quite good.
- The Revenue for PAYA has decreased by -28.69% in the past year. This is quite bad
EPS 1Y (TTM)15.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125%
Revenue 1Y (TTM)-28.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.18%
3.2 Future
- PAYA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.17% yearly.
- Based on estimates for the next years, PAYA will show a quite strong growth in Revenue. The Revenue will grow by 11.51% on average per year.
EPS Next Y18.73%
EPS Next 2Y17.07%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue Next Year14.7%
Revenue Next 2Y12.89%
Revenue Next 3Y12.24%
Revenue Next 5Y11.51%
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 26.32, which means the current valuation is very expensive for PAYA.
- Compared to the rest of the industry, the Price/Earnings ratio of PAYA is on the same level as its industry peers.
- PAYA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 22.21, the valuation of PAYA can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, PAYA is valued a bit cheaper than the industry average as 60.15% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of PAYA to the average of the S&P500 Index (24.12), we can say PAYA is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 22.21 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYA.
- PAYA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.39 | ||
| EV/EBITDA | 23.62 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as PAYA's earnings are expected to grow with 15.17% in the coming years.
PEG (NY)1.41
PEG (5Y)N/A
EPS Next 2Y17.07%
EPS Next 3Y15.17%
5. Dividend
5.1 Amount
- PAYA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.74
+0.01 (+0.1%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-27 2023-02-27
Earnings (Next)05-08 2023-05-08
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners49.15%
Ins Owner Change0%
Market Cap1.29B
Revenue(TTM)276.91M
Net Income(TTM)9.47M
Analysts71.25
Price Target9.84 (1.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.1%
Min EPS beat(2)-5.46%
Max EPS beat(2)5.67%
EPS beat(4)3
Avg EPS beat(4)4.22%
Min EPS beat(4)-5.46%
Max EPS beat(4)10.64%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.53%
Min Revenue beat(2)-0.62%
Max Revenue beat(2)1.67%
Revenue beat(4)2
Avg Revenue beat(4)0.67%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)2.73%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.37%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.32 | ||
| Fwd PE | 22.21 | ||
| P/S | 4.65 | ||
| P/FCF | 33.39 | ||
| P/OCF | 29.56 | ||
| P/B | 5.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.62 |
EPS(TTM)0.37
EY3.8%
EPS(NY)0.44
Fwd EY4.5%
FCF(TTM)0.29
FCFY2.99%
OCF(TTM)0.33
OCFY3.38%
SpS2.09
BVpS1.91
TBVpS-0.74
PEG (NY)1.41
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 3.75% | ||
| ROCE | N/A | ||
| ROIC | 4% | ||
| ROICexc | 5.69% | ||
| ROICexgc | 111.35% | ||
| OM | 9.6% | ||
| PM (TTM) | 3.42% | ||
| GM | 51.29% | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | 6.3 | ||
| Debt/EBITDA | 4.18 | ||
| Cap/Depr | 15.82% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 407.47% | ||
| Current Ratio | 2.11 | ||
| Quick Ratio | 2.11 | ||
| Altman-Z | 2.68 |
F-Score6
WACC9.2%
ROIC/WACC0.44
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125%
EPS Next Y18.73%
EPS Next 2Y17.07%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-28.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.18%
Revenue Next Year14.7%
Revenue Next 2Y12.89%
Revenue Next 3Y12.24%
Revenue Next 5Y11.51%
EBIT growth 1Y-33.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year203.09%
EBIT Next 3Y58.4%
EBIT Next 5Y44.07%
FCF growth 1Y1297.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1453.39%
OCF growth 3YN/A
OCF growth 5YN/A
PAYA HOLDINGS INC / PAYA FAQ
Can you provide the ChartMill fundamental rating for PAYA HOLDINGS INC?
ChartMill assigns a fundamental rating of 3 / 10 to PAYA.
What is the valuation status of PAYA HOLDINGS INC (PAYA) stock?
ChartMill assigns a valuation rating of 1 / 10 to PAYA HOLDINGS INC (PAYA). This can be considered as Overvalued.
How profitable is PAYA HOLDINGS INC (PAYA) stock?
PAYA HOLDINGS INC (PAYA) has a profitability rating of 1 / 10.
Can you provide the PE and PB ratios for PAYA stock?
The Price/Earnings (PE) ratio for PAYA HOLDINGS INC (PAYA) is 26.32 and the Price/Book (PB) ratio is 5.1.
How financially healthy is PAYA HOLDINGS INC?
The financial health rating of PAYA HOLDINGS INC (PAYA) is 6 / 10.