Overall PAYS gets a fundamental rating of 5 out of 10. We evaluated PAYS against 97 industry peers in the Financial Services industry. PAYS has an average financial health and profitability rating. PAYS is valued quite expensively, but it does show have an excellent growth rating.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

PAYS had positive earnings in the past year.
PAYS had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PAYS reported negative net income in multiple years.
PAYS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

PAYS has a better Return On Assets (3.61%) than 71.13% of its industry peers.
Looking at the Return On Equity, with a value of 16.53%, PAYS belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
PAYS has a better Return On Invested Capital (8.22%) than 77.32% of its industry peers.

		Industry Rank	Sector Rank
ROA	3.61%
ROE	16.53%
ROIC	8.22%

ROA(3y)2.5%

ROA(5y)-1.85%

ROE(3y)15.08%

ROE(5y)-8.99%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of PAYS (10.10%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PAYS has declined.
PAYS has a Operating Margin of 7.98%. This is in the lower half of the industry: PAYS underperforms 60.82% of its industry peers.
In the last couple of years the Operating Margin of PAYS has declined.
With a decent Gross Margin value of 59.82%, PAYS is doing good in the industry, outperforming 72.16% of the companies in the same industry.
PAYS's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	7.98%
PM (TTM)	10.1%
GM	59.82%

OM growth 3YN/A

OM growth 5Y-36.97%

PM growth 3YN/A

PM growth 5Y-21.18%

GM growth 3Y3.37%

GM growth 5Y-0.13%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PAYS is destroying value.
The number of shares outstanding for PAYS has been increased compared to 1 year ago.
The number of shares outstanding for PAYS has been increased compared to 5 years ago.
There is no outstanding debt for PAYS. 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

PAYS has an Altman-Z score of 1.56. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
PAYS's Altman-Z score of 1.56 is fine compared to the rest of the industry. PAYS outperforms 65.98% of its industry peers.
PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.18
Altman-Z	1.56

ROIC/WACC0.93

WACC8.88%

2.3 Liquidity

PAYS has a Current Ratio of 1.13. This is a normal value and indicates that PAYS is financially healthy and should not expect problems in meeting its short term obligations.
PAYS has a Current ratio of 1.13. This is comparable to the rest of the industry: PAYS outperforms 54.64% of its industry peers.
A Quick Ratio of 1.13 indicates that PAYS should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.13, PAYS perfoms like the industry average, outperforming 57.73% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.13
Quick Ratio	1.13

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

PAYS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 62.50%, which is quite impressive.
The earnings per share for PAYS have been decreasing by -18.10% on average. This is quite bad
PAYS shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.61%.
PAYS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.99% yearly.

EPS 1Y (TTM)62.5%

EPS 3YN/A

EPS 5Y-18.1%

EPS Q2Q%33.33%

Revenue 1Y (TTM)32.61%

Revenue growth 3Y25.61%

Revenue growth 5Y10.99%

Sales Q2Q%41.56%

3.2 Future

PAYS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.31% yearly.
PAYS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.31% yearly.

EPS Next Y85.79%

EPS Next 2Y61.95%

EPS Next 3Y35.31%

EPS Next 5YN/A

Revenue Next Year38.87%

Revenue Next 2Y29.42%

Revenue Next 3Y24.31%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 34.54 indicates a quite expensive valuation of PAYS.
PAYS's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYS is more expensive than 69.07% of the companies in the same industry.
When comparing the Price/Earnings ratio of PAYS to the average of the S&P500 Index (27.25), we can say PAYS is valued slightly more expensively.
With a Price/Forward Earnings ratio of 24.46, PAYS is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PAYS is valued a bit more expensive than the industry average as 63.92% of the companies are valued more cheaply.
PAYS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	34.54
Fwd PE	24.46

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYS.
PAYS's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	25.11
EV/EBITDA	17.54

4.3 Compensation for Growth

PAYS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PAYS's earnings are expected to grow with 35.31% in the coming years.