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

FRA:PGH • DE000A1MMEV4

Current stock price

0.32 EUR
+0 (+1.27%)
Last:

This PGH.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. PGH.DE Profitability Analysis

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.
PGH.DE Yearly Net Income VS EBIT VS OCF VS FCFPGH.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -20M -40M -60M -80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -34.34%, PGH is doing worse than 70.18% of the companies in the same industry.
  • PGH has a worse Return On Equity (-37.18%) than 68.42% of its industry peers.
Industry RankSector 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
PGH.DE Yearly ROA, ROE, ROICPGH.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • Looking at the Gross Margin, with a value of 277.35%, PGH belongs to the top of the industry, outperforming 99.12% of the companies in the same industry.
  • 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 RankSector 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
PGH.DE Yearly Profit, Operating, Gross MarginsPGH.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

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6

2. PGH.DE Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for PGH remains at a similar level compared to 1 year ago.
  • PGH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PGH.DE Yearly Shares OutstandingPGH.DE Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M 40M
PGH.DE Yearly Total Debt VS Total AssetsPGH.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • PGH has an Altman-Z score of 1.49. This is a bad value and indicates that PGH is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.49, PGH is doing good in the industry, outperforming 64.04% 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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.49
ROIC/WACCN/A
WACCN/A
PGH.DE Yearly LT Debt VS Equity VS FCFPGH.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

  • A Current Ratio of 1.48 indicates that PGH should not have too much problems paying its short term obligations.
  • PGH's Current ratio of 1.48 is fine compared to the rest of the industry. PGH outperforms 72.81% of its industry peers.
  • PGH has a Quick Ratio of 1.48. This is a normal value and indicates that PGH is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of PGH (1.48) is better than 74.56% of its industry peers.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.48
PGH.DE Yearly Current Assets VS Current LiabilitesPGH.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. PGH.DE Growth Analysis

3.1 Past

  • PGH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 82.35%, which is quite impressive.
  • 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

  • PGH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.68% yearly.
  • Based on estimates for the next years, PGH will show a very negative growth in Revenue. The Revenue will decrease by -12.64% on average per year.
EPS Next Y57.14%
EPS Next 2Y30.93%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue Next Year-33.33%
Revenue Next 2Y-42.26%
Revenue Next 3Y-12.64%
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.
PGH.DE Yearly Revenue VS EstimatesPGH.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2020 2021 2022 2023 2024 2025 2026 2027 5M 10M
PGH.DE Yearly EPS VS EstimatesPGH.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1 -1.5

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0

4. PGH.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PGH. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PGH. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PGH.DE Price Earnings VS Forward Price EarningsPGH.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PGH.DE Per share dataPGH.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 -0.1 0.2 -0.2 -0.3

4.3 Compensation for Growth

  • PGH's earnings are expected to grow with 19.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.93%
EPS Next 3Y19.68%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PGH.DE Dividend Analysis

5.1 Amount

  • No dividends for PGH!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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PGH.DE Fundamentals: All Metrics, Ratios and Statistics

THE PAYMENTS GROUP HOLDING G

FRA:PGH (4/2/2026, 7:00:00 PM)

0.32

+0 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28
Earnings (Next)06-29
Inst Owners8.39%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.82M
Revenue(TTM)196.90K
Net Income(TTM)-4.41M
Analysts80
Price Target1.26 (293.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0%
PT rev (3m)-31.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)25%
EPS NY rev (3m)25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 75.25
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)-0.32
EYN/A
EPS(NY)-0.02
Fwd EYN/A
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 RankSector 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 RankSector 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 1.49
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 Y57.14%
EPS Next 2Y30.93%
EPS Next 3Y19.68%
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 2Y-42.26%
Revenue Next 3Y-12.64%
Revenue Next 5YN/A
EBIT growth 1Y95.36%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year48.28%
EBIT Next 3Y16.62%
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 Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 2 / 10 to PGH.DE.


What is the valuation status of THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?

ChartMill assigns a valuation rating of 0 / 10 to THE PAYMENTS GROUP HOLDING G (PGH.DE). This can be considered as Overvalued.


How profitable is THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?

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


What is the financial health of THE PAYMENTS GROUP HOLDING G (PGH.DE) stock?

The financial health rating of THE PAYMENTS GROUP HOLDING G (PGH.DE) is 6 / 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 57.14% in the next year.