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

FRA:PGH - Deutsche Boerse Ag - DE000A1MMEV4 - Common Stock - Currency: EUR

1.06  -0.08 (-7.02%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PGH. PGH was compared to 109 industry peers in the Capital Markets industry. The financial health of PGH is average, but there are quite some concerns on its profitability. PGH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

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

Looking at the Return On Assets, with a value of -31.58%, PGH is doing worse than 70.64% of the companies in the same industry.
PGH's Return On Equity of -34.20% is on the low side compared to the rest of the industry. PGH is outperformed by 66.97% of its industry peers.
Industry RankSector 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
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 has a Gross Margin of 35.87%. This is comparable to the rest of the industry: PGH outperforms 57.80% 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 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
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. Health

2.1 Basic Checks

PGH has about the same amout of shares outstanding than it did 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 21.50. This indicates that PGH is financially healthy and has little risk of bankruptcy at the moment.
PGH has a better Altman-Z score (21.50) than 95.41% of its industry peers.
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 21.5
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 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.
PGH has a Current ratio of 0.99. This is in the better half of the industry: PGH outperforms 61.47% 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.
The Quick ratio of PGH (0.99) is better than 62.39% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
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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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 84.66% over the past year.
The Revenue for PGH has decreased by -69.54% in the past year. This is quite bad
PGH shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -52.26% yearly.
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

PGH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 137.07% yearly.
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 Y533.33%
EPS Next 2Y200%
EPS Next 3Y137.07%
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

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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 8.07 indicates a reasonable valuation of PGH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PGH indicates a rather cheap valuation: PGH is cheaper than 93.58% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, PGH is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 8.07
PGH.DE Price Earnings VS Forward Price EarningsPGH.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 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

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 137.07% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y200%
EPS Next 3Y137.07%

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0

5. Dividend

5.1 Amount

PGH does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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THE PAYMENTS GROUP HOLDING G

FRA:PGH (8/1/2025, 7:00:00 PM)

1.06

-0.08 (-7.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)06-30 2025-06-30/amc
Earnings (Next)10-28 2025-10-28
Inst Owners3.44%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap49.08M
Analysts80
Price Target1.53 (44.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-96%
Revenue NY rev (3m)-98.88%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.07
P/S 32.24
P/FCF N/A
P/OCF N/A
P/B 3.89
P/tB 3.89
EV/EBITDA N/A
EPS(TTM)-0.27
EYN/A
EPS(NY)0.13
Fwd EY12.39%
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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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 21.5
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 Y533.33%
EPS Next 2Y200%
EPS Next 3Y137.07%
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 Year103.45%
EBIT Next 3Y121.42%
EBIT Next 5Y42.98%
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