PAYA HOLDINGS INC (PAYA) Fundamental Analysis & Valuation

NASDAQ:PAYA • US70434P1030

Current stock price

9.74 USD
+0.01 (+0.1%)
At close:
9.74 USD
0 (0%)
After Hours:

This PAYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PAYA Profitability Analysis

1.1 Basic Checks

  • PAYA had positive earnings in the past year.
  • In the past year PAYA had a positive cash flow from operations.
PAYA Yearly Net Income VS EBIT VS OCF VS FCFPAYA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 0 10M 20M 30M

1.2 Ratios

  • PAYA's Return On Assets of 1.42% is in line compared to the rest of the industry. PAYA outperforms 56.39% of its industry peers.
  • With a Return On Equity value of 3.75%, PAYA perfoms like the industry average, outperforming 56.39% of the companies in the same industry.
  • PAYA has a Return On Invested Capital (4.00%) which is in line with its industry peers.
Industry RankSector 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
PAYA Yearly ROA, ROE, ROICPAYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 0 1 2 3 4

1.3 Margins

  • With a decent Profit Margin value of 3.42%, PAYA is doing good in the industry, outperforming 60.15% of the companies in the same industry.
  • PAYA has a better Operating Margin (9.60%) than 61.65% of its industry peers.
  • With a decent Gross Margin value of 51.29%, PAYA is doing good in the industry, outperforming 70.68% of the companies in the same industry.
Industry RankSector 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
PAYA Yearly Profit, Operating, Gross MarginsPAYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 0 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PAYA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYA is destroying value.
  • PAYA has more shares outstanding than it did 1 year ago.
  • PAYA has a better debt/assets ratio than last year.
PAYA Yearly Shares OutstandingPAYA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M
PAYA Yearly Total Debt VS Total AssetsPAYA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 200M 400M 600M

2.2 Solvency

  • PAYA has an Altman-Z score of 2.68. This is not the best score and indicates that PAYA is in the grey zone with still only limited risk for bankruptcy at the moment.
  • PAYA's Altman-Z score of 2.68 is fine compared to the rest of the industry. PAYA outperforms 64.66% of its industry peers.
  • 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.
  • PAYA has a Debt to FCF ratio of 6.30. This is in the better half of the industry: PAYA outperforms 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 RankSector Rank
Debt/Equity 0.95
Debt/FCF 6.3
Altman-Z 2.68
ROIC/WACC0.44
WACC9.2%
PAYA Yearly LT Debt VS Equity VS FCFPAYA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 2.11 indicates that PAYA has no problem at all paying its short term obligations.
  • With a decent Current ratio value of 2.11, PAYA is doing good in 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.
  • PAYA has a Quick ratio of 2.11. This is in the better half of the industry: PAYA outperforms 75.19% of its industry peers.
Industry RankSector Rank
Current Ratio 2.11
Quick Ratio 2.11
PAYA Yearly Current Assets VS Current LiabilitesPAYA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PAYA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.63% over the past year.
  • 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

  • The Earnings Per Share is expected to grow by 15.17% on average over the next years. This is quite good.
  • PAYA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.51% yearly.
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

PAYA Yearly Revenue VS EstimatesPAYA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 100M 200M 300M
PAYA Yearly EPS VS EstimatesPAYA Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

More info and screens

Find the best growth stocksShow best growing peers

3

4. PAYA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 26.32 indicates a quite expensive valuation of PAYA.
  • PAYA's Price/Earnings is on the same level as the industry average.
  • PAYA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.11, 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.
  • PAYA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PAYA is cheaper than 60.15% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, PAYA is valued at the same level.
Industry RankSector Rank
PE 26.32
Fwd PE 22.21
PAYA Price Earnings VS Forward Price EarningsPAYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • PAYA's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 33.39
EV/EBITDA 23.62
PAYA Per share dataPAYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1 1.5 2

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • PAYA's earnings are expected to grow with 15.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.41
PEG (5Y)N/A
EPS Next 2Y17.07%
EPS Next 3Y15.17%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PAYA Dividend Analysis

5.1 Amount

  • No dividends for PAYA!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYA Fundamentals: All Metrics, Ratios and Statistics

PAYA HOLDINGS INC

NASDAQ:PAYA (2/21/2023, 8:00:03 PM)

After market: 9.74 0 (0%)

9.74

+0.01 (+0.1%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-27
Earnings (Next)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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis 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.