THE PAYMENTS GROUP HOLDING G (PGH.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:PGH - DE000A1MMEV4 - Common Stock
0.294 EUR
-0.07 (-18.78%)
PGH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 121 industry peers in the Capital Markets industry. The financial health of PGH is average, but there are quite some concerns on its profitability. PGH is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year PGH has reported negative net income.
- PGH had a negative operating cash flow in the past year.
- In multiple years PGH reported negative net income over the last 5 years.
- In the past 5 years PGH reported 4 times negative operating cash flow.
1.2 Ratios
- PGH's Return On Assets of -34.34% is on the low side compared to the rest of the industry. PGH is outperformed by 71.90% of its industry peers.
- PGH has a Return On Equity of -37.18%. This is in the lower half of the industry: PGH underperforms 70.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -34.34% | ||
| ROE | -37.18% | ||
| ROIC | N/A |
ROA(3y)-139.62%
ROA(5y)-81.87%
ROE(3y)-169.66%
ROE(5y)-95.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Gross Margin of PGH (277.35%) is better than 99.17% of its industry peers.
- In the last couple of years the Gross Margin of PGH has declined.
- PGH does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 277.35% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-24.28%
GM growth 5YN/A
2. Health
2.1 Basic Checks
- PGH has about the same amout of shares outstanding than it did 1 year ago.
- There is no outstanding debt for PGH. 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
- Based on the Altman-Z score of 0.75, we must say that PGH is in the distress zone and has some risk of bankruptcy.
- PGH has a Altman-Z score (0.75) which is in line with its industry peers.
- There is no outstanding debt for PGH. 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 | N/A | ||
| Altman-Z | 0.75 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 1.48 indicates that PGH should not have too much problems paying its short term obligations.
- PGH has a better Current ratio (1.48) than 76.03% of its industry peers.
- A Quick Ratio of 1.48 indicates that PGH should not have too much problems paying its short term obligations.
- PGH has a better Quick ratio (1.48) than 77.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 82.35% over the past year.
- The Revenue for PGH has decreased by -88.68% in the past year. This is quite bad
- Measured over the past years, PGH shows a very negative growth in Revenue. The Revenue has been decreasing by -52.26% on average per year.
EPS 1Y (TTM)82.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-154.46%
Revenue 1Y (TTM)-88.68%
Revenue growth 3Y-52.26%
Revenue growth 5YN/A
Sales Q2Q%-90.3%
3.2 Future
- Based on estimates for the next years, PGH will show a very strong growth in Earnings Per Share. The EPS will grow by 41.90% on average per year.
- PGH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 288.56% yearly.
EPS Next Y42.86%
EPS Next 2Y55.84%
EPS Next 3Y41.9%
EPS Next 5YN/A
Revenue Next Year-33.33%
Revenue Next 2Y548.07%
Revenue Next 3Y288.57%
Revenue Next 5YN/A
3.3 Evolution
- 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
- PGH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- PGH is valuated reasonably with a Price/Forward Earnings ratio of 9.70.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PGH indicates a rather cheap valuation: PGH is cheaper than 93.39% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of PGH to the average of the S&P500 Index (24.29), we can say PGH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as PGH's earnings are expected to grow with 41.90% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y55.84%
EPS Next 3Y41.9%
5. Dividend
5.1 Amount
- No dividends for PGH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:PGH (1/16/2026, 7:00:00 PM)
0.294
-0.07 (-18.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28 2025-10-28
Earnings (Next)06-29 2026-06-29/amc
Inst Owners3.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.61M
Revenue(TTM)196.90K
Net Income(TTM)-4.41M
Analysts80
Price Target1.26 (328.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-31.11%
PT rev (3m)-31.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.7 | ||
| P/S | 69.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.15 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.32
EYN/A
EPS(NY)0.03
Fwd EY10.31%
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0
BVpS0.26
TBVpS0.26
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -34.34% | ||
| ROE | -37.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 277.35% | ||
| FCFM | N/A |
ROA(3y)-139.62%
ROA(5y)-81.87%
ROE(3y)-169.66%
ROE(5y)-95.67%
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 3Y-24.28%
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 | ||
| Altman-Z | 0.75 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.12%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)82.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-154.46%
EPS Next Y42.86%
EPS Next 2Y55.84%
EPS Next 3Y41.9%
EPS Next 5YN/A
Revenue 1Y (TTM)-88.68%
Revenue growth 3Y-52.26%
Revenue growth 5YN/A
Sales Q2Q%-90.3%
Revenue Next Year-33.33%
Revenue Next 2Y548.07%
Revenue Next 3Y288.57%
Revenue Next 5YN/A
EBIT growth 1Y95.36%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year44.83%
EBIT Next 3Y54.04%
EBIT Next 5Y37.04%
FCF growth 1Y-117.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-117%
OCF growth 3YN/A
OCF growth 5YN/A
THE PAYMENTS GROUP HOLDING G / PGH.DE FAQ
Can you provide the ChartMill fundamental rating for THE PAYMENTS GROUP HOLDING G?
ChartMill assigns a fundamental rating of 3 / 10 to PGH.DE.
Can you provide the valuation status for THE PAYMENTS GROUP HOLDING G?
ChartMill assigns a valuation rating of 4 / 10 to THE PAYMENTS GROUP HOLDING G (PGH.DE). This can be considered as Fairly Valued.
What is the profitability of PGH stock?
THE PAYMENTS GROUP HOLDING G (PGH.DE) has a profitability rating of 1 / 10.
How financially healthy is THE PAYMENTS GROUP HOLDING G?
The financial health rating of THE PAYMENTS GROUP HOLDING G (PGH.DE) is 6 / 10.
How sustainable is the dividend of THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?
The dividend rating of THE PAYMENTS GROUP HOLDING G (PGH.DE) is 0 / 10 and the dividend payout ratio is 0%.