PARK CITY GROUP INC (PCYG) Stock Fundamental Analysis
USA - NASDAQ:PCYG - US7002153044 - Common Stock
9.8 USD
+0.06 (+0.62%)
10.21 USD
+0.41 (+4.18%)
We assign a fundamental rating of 7 out of 10 to PCYG. PCYG was compared to 281 industry peers in the Software industry. PCYG gets an excellent profitability rating and is at the same time showing great financial health properties. PCYG has a decent growth rate and is not valued too expensively. These ratings could make PCYG a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
PCYG had positive earnings in the past year.
PCYG had a positive operating cash flow in the past year.
In the past 5 years PCYG has always been profitable.
In the past 5 years PCYG always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PCYG (9.89%) is better than 92.83% of its industry peers.
PCYG has a better Return On Equity (10.91%) than 88.89% of its industry peers.
PCYG's Return On Invested Capital of 8.68% is amongst the best of the industry. PCYG outperforms 88.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PCYG is significantly below the industry average of 11.95%.
The last Return On Invested Capital (8.68%) for PCYG is above the 3 year average (6.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.89% | ||
| ROE | 10.91% | ||
| ROIC | 8.68% |
ROA(3y)7.74%
ROA(5y)6.28%
ROE(3y)8.9%
ROE(5y)7.35%
ROIC(3y)6.9%
ROIC(5y)5.91%
1.3 Margins
PCYG has a better Profit Margin (26.20%) than 96.06% of its industry peers.
In the last couple of years the Profit Margin of PCYG has grown nicely.
Looking at the Operating Margin, with a value of 26.65%, PCYG belongs to the top of the industry, outperforming 94.98% of the companies in the same industry.
PCYG's Operating Margin has improved in the last couple of years.
The Gross Margin of PCYG (82.67%) is better than 90.68% of its industry peers.
In the last couple of years the Gross Margin of PCYG has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 26.65% | ||
| PM (TTM) | 26.2% | ||
| GM | 82.67% |
OM growth 3Y53.39%
OM growth 5Y10.79%
PM growth 3Y73.23%
PM growth 5Y15.25%
GM growth 3Y8.31%
GM growth 5Y3.35%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PCYG is destroying value.
The number of shares outstanding for PCYG has been reduced compared to 1 year ago.
PCYG has less shares outstanding than it did 5 years ago.
PCYG has a better debt/assets ratio than last year.
2.2 Solvency
PCYG has an Altman-Z score of 23.54. This indicates that PCYG is financially healthy and has little risk of bankruptcy at the moment.
PCYG has a Altman-Z score of 23.54. This is amongst the best in the industry. PCYG outperforms 97.13% of its industry peers.
The Debt to FCF ratio of PCYG is 0.05, which is an excellent value as it means it would take PCYG, only 0.05 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.05, PCYG belongs to the best of the industry, outperforming 84.59% of the companies in the same industry.
PCYG has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PCYG (0.00) is better than 64.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.05 | ||
| Altman-Z | 23.54 |
ROIC/WACC0.79
WACC10.97%
2.3 Liquidity
A Current Ratio of 6.44 indicates that PCYG has no problem at all paying its short term obligations.
PCYG has a Current ratio of 6.44. This is amongst the best in the industry. PCYG outperforms 89.25% of its industry peers.
A Quick Ratio of 6.44 indicates that PCYG has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 6.44, PCYG belongs to the best of the industry, outperforming 89.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.44 | ||
| Quick Ratio | 6.44 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 66.67% over the past year.
Measured over the past years, PCYG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.87% on average per year.
PCYG shows a small growth in Revenue. In the last year, the Revenue has grown by 5.83%.
The Revenue has been decreasing by -2.82% on average over the past years.
EPS 1Y (TTM)66.67%
EPS 3Y71%
EPS 5Y14.87%
EPS Q2Q%60%
Revenue 1Y (TTM)5.83%
Revenue growth 3Y-1.59%
Revenue growth 5Y-2.82%
Sales Q2Q%4.94%
3.2 Future
PCYG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.76% yearly.
The Revenue is expected to grow by 13.24% on average over the next years. This is quite good.
EPS Next Y15.6%
EPS Next 2Y20.91%
EPS Next 3Y23.2%
EPS Next 5Y22.76%
Revenue Next Year6.46%
Revenue Next 2Y10.65%
Revenue Next 3Y12.08%
Revenue Next 5Y13.24%
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
A Price/Earnings ratio of 32.67 indicates a quite expensive valuation of PCYG.
Based on the Price/Earnings ratio, PCYG is valued a bit cheaper than the industry average as 74.91% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.35. PCYG is valued slightly more expensive when compared to this.
A Price/Forward Earnings ratio of 28.26 indicates a quite expensive valuation of PCYG.
73.48% of the companies in the same industry are more expensive than PCYG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.72, PCYG is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.67 | ||
| Fwd PE | 28.26 |
4.2 Price Multiples
PCYG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PCYG is cheaper than 81.72% of the companies in the same industry.
82.80% of the companies in the same industry are more expensive than PCYG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.55 | ||
| EV/EBITDA | 25.26 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of PCYG may justify a higher PE ratio.
A more expensive valuation may be justified as PCYG's earnings are expected to grow with 23.20% in the coming years.
PEG (NY)2.09
PEG (5Y)2.2
EPS Next 2Y20.91%
EPS Next 3Y23.2%
5. Dividend
5.1 Amount
PCYG has a yearly dividend return of 0.61%, which is pretty low.
Compared to an average industry Dividend Yield of 41.10, PCYG pays a better dividend. On top of this PCYG pays more dividend than 90.68% of the companies listed in the same industry.
With a Dividend Yield of 0.61, PCYG pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.61% |
5.2 History
The dividend of PCYG is nicely growing with an annual growth rate of 14.11%!
PCYG does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)14.11%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
28.28% of the earnings are spent on dividend by PCYG. This is a low number and sustainable payout ratio.
The dividend of PCYG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.28%
EPS Next 2Y20.91%
EPS Next 3Y23.2%
9.8
+0.06 (+0.62%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners33.82%
Inst Owner Change-1.44%
Ins Owners3.03%
Ins Owner Change0%
Market Cap179.43M
Revenue(TTM)19.10M
Net Income(TTM)5.00M
Analysts82.86
Price Target11.22 (14.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.61% |
Yearly Dividend0.08
Dividend Growth(5Y)14.11%
DP28.28%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.05%
Min EPS beat(2)12.04%
Max EPS beat(2)26.05%
EPS beat(4)3
Avg EPS beat(4)12.63%
Min EPS beat(4)-1.96%
Max EPS beat(4)26.05%
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)0
Avg Revenue beat(2)-1.17%
Min Revenue beat(2)-1.38%
Max Revenue beat(2)-0.96%
Revenue beat(4)2
Avg Revenue beat(4)2.47%
Min Revenue beat(4)-1.38%
Max Revenue beat(4)11.15%
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%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.5%
EPS NY rev (1m)-2.86%
EPS NY rev (3m)-2.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.95%
Revenue NY rev (1m)-5.37%
Revenue NY rev (3m)-5.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.67 | ||
| Fwd PE | 28.26 | ||
| P/S | 9.39 | ||
| P/FCF | 22.55 | ||
| P/OCF | 20.25 | ||
| P/B | 3.91 | ||
| P/tB | 7.46 | ||
| EV/EBITDA | 25.26 |
EPS(TTM)0.3
EY3.06%
EPS(NY)0.35
Fwd EY3.54%
FCF(TTM)0.43
FCFY4.43%
OCF(TTM)0.48
OCFY4.94%
SpS1.04
BVpS2.51
TBVpS1.31
PEG (NY)2.09
PEG (5Y)2.2
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.89% | ||
| ROE | 10.91% | ||
| ROCE | 10.98% | ||
| ROIC | 8.68% | ||
| ROICexc | 17.99% | ||
| ROICexgc | 780.64% | ||
| OM | 26.65% | ||
| PM (TTM) | 26.2% | ||
| GM | 82.67% | ||
| FCFM | 41.66% |
ROA(3y)7.74%
ROA(5y)6.28%
ROE(3y)8.9%
ROE(5y)7.35%
ROIC(3y)6.9%
ROIC(5y)5.91%
ROICexc(3y)13.52%
ROICexc(5y)11.01%
ROICexgc(3y)311.96%
ROICexgc(5y)197.85%
ROCE(3y)9.17%
ROCE(5y)7.98%
ROICexgc growth 3Y264.78%
ROICexgc growth 5Y84.76%
ROICexc growth 3Y64.3%
ROICexc growth 5Y13.9%
OM growth 3Y53.39%
OM growth 5Y10.79%
PM growth 3Y73.23%
PM growth 5Y15.25%
GM growth 3Y8.31%
GM growth 5Y3.35%
F-Score8
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.05 | ||
| Debt/EBITDA | 0.03 | ||
| Cap/Depr | 83.64% | ||
| Cap/Sales | 4.73% | ||
| Interest Coverage | 86.16 | ||
| Cash Conversion | 143.59% | ||
| Profit Quality | 159.01% | ||
| Current Ratio | 6.44 | ||
| Quick Ratio | 6.44 | ||
| Altman-Z | 23.54 |
F-Score8
WACC10.97%
ROIC/WACC0.79
Cap/Depr(3y)40.24%
Cap/Depr(5y)88.73%
Cap/Sales(3y)2.18%
Cap/Sales(5y)3.32%
Profit Quality(3y)160.02%
Profit Quality(5y)185.17%
High Growth Momentum
Growth
EPS 1Y (TTM)66.67%
EPS 3Y71%
EPS 5Y14.87%
EPS Q2Q%60%
EPS Next Y15.6%
EPS Next 2Y20.91%
EPS Next 3Y23.2%
EPS Next 5Y22.76%
Revenue 1Y (TTM)5.83%
Revenue growth 3Y-1.59%
Revenue growth 5Y-2.82%
Sales Q2Q%4.94%
Revenue Next Year6.46%
Revenue Next 2Y10.65%
Revenue Next 3Y12.08%
Revenue Next 5Y13.24%
EBIT growth 1Y15.31%
EBIT growth 3Y50.95%
EBIT growth 5Y7.66%
EBIT Next Year36.61%
EBIT Next 3Y27.55%
EBIT Next 5Y24.27%
FCF growth 1Y31.5%
FCF growth 3Y30.87%
FCF growth 5Y33.74%
OCF growth 1Y45.21%
OCF growth 3Y28.25%
OCF growth 5Y32.37%
PARK CITY GROUP INC / PCYG FAQ
Can you provide the ChartMill fundamental rating for PARK CITY GROUP INC?
ChartMill assigns a fundamental rating of 7 / 10 to PCYG.
What is the valuation status for PCYG stock?
ChartMill assigns a valuation rating of 5 / 10 to PARK CITY GROUP INC (PCYG). This can be considered as Fairly Valued.
Can you provide the profitability details for PARK CITY GROUP INC?
PARK CITY GROUP INC (PCYG) has a profitability rating of 9 / 10.
Can you provide the financial health for PCYG stock?
The financial health rating of PARK CITY GROUP INC (PCYG) is 9 / 10.
Is the dividend of PARK CITY GROUP INC sustainable?
The dividend rating of PARK CITY GROUP INC (PCYG) is 4 / 10 and the dividend payout ratio is 28.28%.