5.36 USD
+0.13 (+2.49%)
5.3 USD
-0.06 (-1.12%)
Taking everything into account, PAYS scores 5 out of 10 in our fundamental rating. PAYS was compared to 99 industry peers in the Financial Services industry. PAYS has only an average score on both its financial health and profitability. PAYS is valued quite expensive, but it does show an excellent growth.
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.
In multiple years PAYS reported negative net income over the last 5 years.
In the past 5 years PAYS always reported a positive cash flow from operatings.
1.2 Ratios
PAYS's Return On Assets of 3.61% is fine compared to the rest of the industry. PAYS outperforms 70.71% of its industry peers.
With an excellent Return On Equity value of 16.53%, PAYS belongs to the best of the industry, outperforming 82.83% of the companies in the same industry.
PAYS has a Return On Invested Capital of 8.22%. This is in the better half of the industry: PAYS outperforms 77.78% 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.
PAYS's Profit Margin has declined in the last couple of years.
PAYS has a Operating Margin of 7.98%. This is in the lower half of the industry: PAYS underperforms 60.61% of its industry peers.
In the last couple of years the Operating Margin of PAYS has declined.
The Gross Margin of PAYS (59.82%) is better than 73.74% of its industry peers.
In the last couple of years the Gross Margin of PAYS has remained more or less at the same level.
| 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYS is destroying value.
The number of shares outstanding for PAYS has been increased compared to 1 year ago.
PAYS has more shares outstanding than it did 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 1.73. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of PAYS (1.73) is better than 70.71% of its industry peers.
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 1.73 |
ROIC/WACC0.93
WACC8.82%
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.
Looking at the Current ratio, with a value of 1.13, PAYS is in line with its industry, outperforming 54.55% of the companies in the same industry.
PAYS has a Quick 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 Quick ratio (1.13) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 62.50% over the past year.
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%.
Measured over the past years, PAYS shows a quite strong growth in Revenue. The Revenue has been growing by 10.99% on average per year.
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 57.87% yearly.
Based on estimates for the next years, PAYS will show a very strong growth in Revenue. The Revenue will grow by 24.31% on average per year.
EPS Next Y82.14%
EPS Next 2Y65.29%
EPS Next 3Y57.87%
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.
4. Valuation
4.1 Price/Earnings Ratio
PAYS is valuated quite expensively with a Price/Earnings ratio of 41.23.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 70.71% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.59. PAYS is valued rather expensively when compared to this.
PAYS is valuated quite expensively with a Price/Forward Earnings ratio of 28.03.
PAYS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PAYS is more expensive than 68.69% of the companies in the same industry.
PAYS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 41.23 | ||
| Fwd PE | 28.03 |
4.2 Price Multiples
PAYS's Enterprise Value to EBITDA is on the same level as the industry average.
PAYS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.97 | ||
| EV/EBITDA | 20.97 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PAYS's earnings are expected to grow with 57.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y65.29%
EPS Next 3Y57.87%
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
5.36
+0.13 (+2.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners45.21%
Inst Owner Change25.17%
Ins Owners28.84%
Ins Owner Change0.95%
Market Cap295.01M
Revenue(TTM)74.88M
Net Income(TTM)7.56M
Analysts85.45
Price TargetN/A
Short Float %4.48%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)26.05%
Min EPS beat(2)-43.98%
Max EPS beat(2)96.08%
EPS beat(4)2
Avg EPS beat(4)48.81%
Min EPS beat(4)-43.98%
Max EPS beat(4)145.1%
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)2
Avg Revenue beat(2)3.2%
Min Revenue beat(2)0.09%
Max Revenue beat(2)6.31%
Revenue beat(4)3
Avg Revenue beat(4)2.48%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)6.31%
Revenue beat(8)7
Avg Revenue beat(8)2.74%
Revenue beat(12)9
Avg Revenue beat(12)2.01%
Revenue beat(16)10
Avg Revenue beat(16)1.23%
PT rev (1m)3.41%
PT rev (3m)3.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-27.27%
EPS NY rev (1m)13.64%
EPS NY rev (3m)6.38%
Revenue NQ rev (1m)3.36%
Revenue NQ rev (3m)8.1%
Revenue NY rev (1m)4.25%
Revenue NY rev (3m)4.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 41.23 | ||
| Fwd PE | 28.03 | ||
| P/S | 3.94 | ||
| P/FCF | 29.97 | ||
| P/OCF | 15.8 | ||
| P/B | 6.45 | ||
| P/tB | 16.46 | ||
| EV/EBITDA | 20.97 |
EPS(TTM)0.13
EY2.43%
EPS(NY)0.19
Fwd EY3.57%
FCF(TTM)0.18
FCFY3.34%
OCF(TTM)0.34
OCFY6.33%
SpS1.36
BVpS0.83
TBVpS0.33
PEG (NY)0.5
PEG (5Y)N/A
Graham Number1.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.61% | ||
| ROE | 16.53% | ||
| ROCE | 10.41% | ||
| ROIC | 8.22% | ||
| ROICexc | 9.46% | ||
| ROICexgc | 21.41% | ||
| OM | 7.98% | ||
| PM (TTM) | 10.1% | ||
| GM | 59.82% | ||
| FCFM | 13.14% |
ROA(3y)2.5%
ROA(5y)-1.85%
ROE(3y)15.08%
ROE(5y)-8.99%
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 5Y-37.16%
ROICexc growth 3YN/A
ROICexc growth 5Y-40.82%
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%
F-Score7
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.18 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 113.03% | ||
| Cap/Sales | 11.8% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 135.45% | ||
| Profit Quality | 130.16% | ||
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 | ||
| Altman-Z | 1.73 |
F-Score7
WACC8.82%
ROIC/WACC0.93
Cap/Depr(3y)157.96%
Cap/Depr(5y)147.73%
Cap/Sales(3y)13.97%
Cap/Sales(5y)12.97%
Profit Quality(3y)910.79%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)62.5%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%33.33%
EPS Next Y82.14%
EPS Next 2Y65.29%
EPS Next 3Y57.87%
EPS Next 5YN/A
Revenue 1Y (TTM)32.61%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41.56%
Revenue Next Year38.87%
Revenue Next 2Y29.42%
Revenue Next 3Y24.31%
Revenue Next 5YN/A
EBIT growth 1Y401.09%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1852.33%
EBIT Next 3Y210.57%
EBIT Next 5YN/A
FCF growth 1Y223.65%
FCF growth 3Y2.36%
FCF growth 5Y-0.02%
OCF growth 1Y1388.09%
OCF growth 3Y14.64%
OCF growth 5Y6.55%
PAYSIGN INC / PAYS FAQ
Can you provide the ChartMill fundamental rating for PAYSIGN INC?
ChartMill assigns a fundamental rating of 5 / 10 to PAYS.
What is the valuation status of PAYSIGN INC (PAYS) stock?
ChartMill assigns a valuation rating of 3 / 10 to PAYSIGN INC (PAYS). This can be considered as Overvalued.
How profitable is PAYSIGN INC (PAYS) stock?
PAYSIGN INC (PAYS) has a profitability rating of 4 / 10.
How financially healthy is PAYSIGN INC?
The financial health rating of PAYSIGN INC (PAYS) is 5 / 10.