PGH Fundamental Analysis - THE PAYMENTS GROUP HOLDING G

Fundamental Rating

Taking everything into account, PGH scores 3 out of 10 in our fundamental rating. PGH was compared to 120 industry peers in the Capital Markets industry. PGH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PGH is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

PGH had negative earnings in the past year.

In the past year PGH has reported a negative cash flow from operations.

The reported net income has been mixed in the past 5 years: PGH reported negative net income in multiple years.

PGH had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of -31.58%, PGH is not doing good in the industry: 72.50% of the companies in the same industry are doing better.

With a Return On Equity value of -34.20%, PGH is not doing good in the industry: 70.00% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-31.58%
ROE	-34.2%
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

PGH has a Gross Margin (35.87%) which is in line with its industry peers.

In the last couple of years the Gross Margin of PGH has declined.

The Profit Margin and Operating Margin are not available for PGH so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	35.87%

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, PGH has about the same amount of shares outstanding.

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

PGH has an Altman-Z score of 4.35. This indicates that PGH is financially healthy and has little risk of bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 4.35, PGH belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.

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	4.35

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

PGH has a Current Ratio of 0.99. This is a bad value and indicates that PGH is not financially healthy enough and could expect problems in meeting its short term obligations.

The Current ratio of PGH (0.99) is better than 60.83% of its industry peers.

PGH has a Quick Ratio of 0.99. This is a bad value and indicates that PGH is not financially healthy enough and could expect problems in meeting its short term obligations.

Looking at the Quick ratio, with a value of 0.99, PGH is in the better half of the industry, outperforming 61.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.99
Quick Ratio	0.99

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PGH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 84.66%, which is quite impressive.

The Revenue for PGH has decreased by -69.54% in the past year. This is quite bad

The Revenue for PGH have been decreasing by -52.26% on average. This is quite bad

EPS 1Y (TTM)84.66%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%86.41%

Revenue 1Y (TTM)-69.54%

Revenue growth 3Y-52.26%

Revenue growth 5YN/A

Sales Q2Q%-79.93%

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.

The Revenue is expected to grow by 288.56% on average over the next years. This is a very strong growth

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PGH. In the last year negative earnings were reported.

Also next year PGH is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

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%

More info and screens

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5. Dividend

5.1 Amount

No dividends for PGH!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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THE PAYMENTS GROUP HOLDING G

FRA:PGH (11/26/2025, 7:00:00 PM)

0.416

-0.05 (-10.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)10-28 2025-10-28

Earnings (Next)N/A N/A

Inst Owners3.44%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap19.26M

Revenue(TTM)1.52M

Net Income(TTM)-4.31M

Analysts80

Price Target1.84 (342.31%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

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)0%

PT rev (3m)0%

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	N/A
P/S	12.65
P/FCF	N/A
P/OCF	N/A
P/B	1.53
P/tB	1.53
EV/EBITDA	N/A

EPS(TTM)-0.27

EYN/A

EPS(NY)-0.04

Fwd EYN/A

FCF(TTM)-0.09

FCFYN/A

OCF(TTM)-0.09

OCFYN/A

SpS0.03

BVpS0.27

TBVpS0.27

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-31.58%
ROE	-34.2%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	35.87%
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 Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.99
Quick Ratio	0.99
Altman-Z	4.35

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)84.66%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%86.41%

EPS Next Y42.86%

EPS Next 2Y55.84%

EPS Next 3Y41.9%

EPS Next 5YN/A

Revenue 1Y (TTM)-69.54%

Revenue growth 3Y-52.26%

Revenue growth 5YN/A

Sales Q2Q%-79.93%

Revenue Next Year-33.33%

Revenue Next 2Y548.07%

Revenue Next 3Y288.57%

Revenue Next 5YN/A

EBIT growth 1Y96.75%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year44.83%

EBIT Next 3Y54.04%

EBIT Next 5Y37.32%

FCF growth 1Y-62.71%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-63.08%

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.

What is the valuation status for PGH stock?

ChartMill assigns a valuation rating of 1 / 10 to THE PAYMENTS GROUP HOLDING G (PGH.DE). This can be considered as Overvalued.

What is the profitability of PGH stock?

THE PAYMENTS GROUP HOLDING G (PGH.DE) has a profitability rating of 1 / 10.

What is the expected EPS growth for THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?

The Earnings per Share (EPS) of THE PAYMENTS GROUP HOLDING G (PGH.DE) is expected to grow by 42.86% in the next year.

Can you provide the dividend sustainability for PGH stock?

The dividend rating of THE PAYMENTS GROUP HOLDING G (PGH.DE) is 0 / 10 and the dividend payout ratio is 0%.

THE PAYMENTS GROUP HOLDING G (PGH.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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THE PAYMENTS GROUP HOLDING G / PGH.DE FAQ

Can you provide the ChartMill fundamental rating for THE PAYMENTS GROUP HOLDING G?

What is the valuation status for PGH stock?

What is the profitability of PGH stock?

What is the expected EPS growth for THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?

Can you provide the dividend sustainability for PGH stock?