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 277 industry peers in the Software industry. PCYG scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 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.
- PCYG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- PCYG has a Return On Assets of 9.89%. This is amongst the best in the industry. PCYG outperforms 92.83% of its industry peers.
- PCYG has a Return On Equity of 10.91%. This is amongst the best in the industry. PCYG outperforms 88.89% of its industry peers.
- The Return On Invested Capital of PCYG (8.68%) is better than 88.17% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for PCYG is below the industry average of 10.78%.
- 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.
- The Operating Margin of PCYG (26.65%) is better than 94.98% of its industry peers.
- In the last couple of years the Operating Margin of PCYG has grown nicely.
- PCYG's Gross Margin of 82.67% is amongst the best of the industry. PCYG outperforms 90.68% of its industry peers.
- PCYG's Gross Margin has improved in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PCYG is destroying value.
- The number of shares outstanding for PCYG has been reduced compared to 1 year ago.
- The debt/assets ratio for PCYG has been reduced compared to a year ago.
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.
- Looking at the Altman-Z score, with a value of 23.54, PCYG belongs to the top of the industry, outperforming 97.13% of the companies in the same industry.
- 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.
- PCYG has a Debt to FCF ratio of 0.05. This is amongst the best in the industry. PCYG outperforms 84.59% of its industry peers.
- 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.
- PCYG has a Quick Ratio of 6.44. This indicates that PCYG is financially healthy and has no problem in meeting its short term obligations.
- PCYG has a Quick ratio of 6.44. This is amongst the best in the industry. PCYG outperforms 89.25% of its industry peers.
| 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%.
- Measured over the past years, PCYG shows a decrease in Revenue. The Revenue has been decreasing by -2.82% on average per year.
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
- The Earnings Per Share is expected to grow by 22.76% on average over the next years. This is a very strong growth
- Based on estimates for the next years, PCYG will show a quite strong growth in Revenue. The Revenue will grow by 13.24% on average per year.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 32.67, which means the current valuation is very expensive for PCYG.
- Based on the Price/Earnings ratio, PCYG is valued a bit cheaper than 74.91% of the companies in the same industry.
- PCYG's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.94.
- PCYG is valuated quite expensively with a Price/Forward Earnings ratio of 28.26.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PCYG indicates a somewhat cheap valuation: PCYG is cheaper than 73.48% of the companies listed in the same industry.
- PCYG is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.67 | ||
| Fwd PE | 28.26 |
4.2 Price Multiples
- 81.72% of the companies in the same industry are more expensive than PCYG, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, PCYG is valued cheaply inside the industry as 82.80% of the companies are valued more expensively.
| 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 PCYG does not grow enough to justify the current Price/Earnings ratio.
- PCYG has an outstanding profitability rating, which may justify a higher PE ratio.
- PCYG's earnings are expected to grow with 23.20% in the coming years. This may justify a more expensive valuation.
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.
- PCYG's Dividend Yield is rather good when compared to the industry average which is at 0.52. PCYG pays more dividend than 90.68% of the companies in the same industry.
- With a Dividend Yield of 0.61, PCYG pays less dividend than the S&P500 average, which is at 1.83.
| 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
- PCYG pays out 28.28% of its income as dividend. This is a sustainable payout ratio.
- PCYG's earnings are growing more than its dividend. This makes the dividend growth 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)09-28 2023-09-28/amc
Earnings (Next)11-09 2023-11-09/amc
Inst Owners33.82%
Inst Owner Change-0.05%
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
What is the ChartMill fundamental rating of PARK CITY GROUP INC (PCYG) stock?
ChartMill assigns a fundamental rating of 7 / 10 to PCYG.
What is the valuation status of PARK CITY GROUP INC (PCYG) stock?
ChartMill assigns a valuation rating of 5 / 10 to PARK CITY GROUP INC (PCYG). This can be considered as Fairly Valued.
How profitable is PARK CITY GROUP INC (PCYG) stock?
PARK CITY GROUP INC (PCYG) has a profitability rating of 9 / 10.
How financially healthy is PARK CITY GROUP INC?
The financial health rating of PARK CITY GROUP INC (PCYG) is 9 / 10.
Can you provide the dividend sustainability for PCYG stock?
The dividend rating of PARK CITY GROUP INC (PCYG) is 4 / 10 and the dividend payout ratio is 28.28%.