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

FRA:PGH • DE000A1MMEV4

0.276 EUR
+0 (+1.47%)
Last: Feb 23, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PGH. PGH was compared to 114 industry peers in the Capital Markets industry. While PGH seems to be doing ok healthwise, there are quite some concerns on its profitability. PGH has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • PGH had negative earnings in the past year.
  • 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.
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

  • PGH has a worse Return On Assets (-34.34%) than 68.42% of its industry peers.
  • PGH has a Return On Equity of -37.18%. This is in the lower half of the industry: PGH underperforms 67.54% 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

  • PGH's Gross Margin of 277.35% is amongst the best of the industry. PGH outperforms 99.12% of its industry peers.
  • PGH's Gross Margin has declined in the last couple of years.
  • PGH does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
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 0.24. This is a bad value and indicates that PGH is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of PGH (0.24) is comparable to the rest of the industry.
  • PGH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 0.24
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

  • PGH has a Current 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 Current ratio of PGH (1.48) is better than 78.07% of its industry peers.
  • A Quick Ratio of 1.48 indicates that PGH should not have too much problems paying its short term obligations.
  • The Quick ratio of PGH (1.48) is better than 78.95% 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

4

3. Growth

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.
  • Looking at the last year, PGH shows a very negative growth in Revenue. The Revenue has decreased by -88.68% in the last year.
  • The Revenue for PGH have been decreasing by -52.26% on average. This is quite bad
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

  • The Earnings Per Share is expected to grow by 41.90% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, PGH will show a very strong growth in Revenue. The Revenue will grow by 288.56% on average per year.
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

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 15M
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • PGH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 9.11 indicates a reasonable valuation of PGH.
  • Based on the Price/Forward Earnings ratio, PGH is valued cheaper than 90.35% of the companies in the same industry.
  • PGH is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 9.11
PGH.DE Price Earnings VS Forward Price EarningsPGH.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

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

  • 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%

More info and screens

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

0

5. Dividend

5.1 Amount

  • PGH does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

THE PAYMENTS GROUP HOLDING G

FRA:PGH (2/23/2026, 7:00:00 PM)

0.276

+0 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28
Earnings (Next)06-29
Inst Owners3.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.78M
Revenue(TTM)196.90K
Net Income(TTM)-4.41M
Analysts80
Price Target1.26 (356.52%)
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)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 RankSector Rank
PE N/A
Fwd PE 9.11
P/S 64.9
P/FCF N/A
P/OCF N/A
P/B 1.08
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)-0.32
EYN/A
EPS(NY)0.03
Fwd EY10.98%
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 0.24
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%.