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

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

0.74  +0.06 (+8.82%)

Fundamental Rating

4

Overall PGH gets a fundamental rating of 4 out of 10. We evaluated PGH against 110 industry peers in the Capital Markets industry. PGH has a great financial health rating, but its profitability evaluates not so good. PGH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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0

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.
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 0 -20M -40M -60M -80M

1.2 Ratios

Looking at the Return On Assets, with a value of -493.83%, PGH is doing worse than 72.73% of the companies in the same industry.
The Return On Equity of PGH (-505.75%) is worse than 70.00% of its industry peers.
Industry RankSector Rank
ROA -493.83%
ROE -505.75%
ROIC N/A
ROA(3y)-125.06%
ROA(5y)N/A
ROE(3y)-147.18%
ROE(5y)N/A
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 0 -100 -200 -300 -400

1.3 Margins

PGH's Gross Margin of 24.65% is in line compared to the rest of the industry. PGH outperforms 55.45% of 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 24.65%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-55.89%
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 0 -500 -1K -1.5K

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9

2. Health

2.1 Basic Checks

PGH has less shares outstanding than it did 1 year ago.
PGH has a better debt/assets ratio than last year.
PGH.DE Yearly Shares OutstandingPGH.DE Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 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 20M 40M 60M 80M 100M

2.2 Solvency

An Altman-Z score of 28.53 indicates that PGH is not in any danger for bankruptcy at the moment.
PGH has a better Altman-Z score (28.53) than 96.36% of 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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 28.53
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 0 20M 40M 60M 80M

2.3 Liquidity

A Current Ratio of 6.23 indicates that PGH has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 6.23, PGH belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
PGH has a Quick Ratio of 6.23. This indicates that PGH is financially healthy and has no problem in meeting its short term obligations.
PGH has a Quick ratio of 6.23. This is amongst the best in the industry. PGH outperforms 90.00% of its industry peers.
Industry RankSector Rank
Current Ratio 6.23
Quick Ratio 6.23
PGH.DE Yearly Current Assets VS Current LiabilitesPGH.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 20M 40M 60M

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6

3. Growth

3.1 Past

The earnings per share for PGH have decreased strongly by -539.77% in the last year.
The Revenue for PGH has decreased by -82.61% in the past year. This is quite bad
PGH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.21% yearly.
EPS 1Y (TTM)-539.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-773.33%
Revenue 1Y (TTM)-82.61%
Revenue growth 3Y28.21%
Revenue growth 5YN/A
Sales Q2Q%-68.94%

3.2 Future

PGH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.80% yearly.
Based on estimates for the next years, PGH will show a very strong growth in Revenue. The Revenue will grow by 89.66% on average per year.
EPS Next Y98.22%
EPS Next 2Y44.12%
EPS Next 3Y28.55%
EPS Next 5Y21.8%
Revenue Next Year-92.5%
Revenue Next 2Y11.8%
Revenue Next 3Y46.59%
Revenue Next 5Y89.66%

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 10M 20M 30M 40M 50M
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

The Price/Earnings Ratio is negative for PGH. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 5.64 indicates a rather cheap 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 100.00% 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 (21.76), we can say PGH is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 5.64
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 -0.5 -1 -1.5

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.
PGH's earnings are expected to grow with 28.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.12%
EPS Next 3Y28.55%

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0

5. Dividend

5.1 Amount

No dividends for PGH!.
Industry RankSector Rank
Dividend Yield N/A

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THE PAYMENTS GROUP HOLDING G

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

0.74

+0.06 (+8.82%)

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 Cap34.26M
Analysts80
Price Target1.53 (106.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.03
Dividend Growth(5Y)N/A
DP-1.12%
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 RankSector Rank
PE N/A
Fwd PE 5.64
P/S 19.7
P/FCF N/A
P/OCF N/A
P/B 2.1
P/tB 2.1
EV/EBITDA N/A
EPS(TTM)-1.8
EYN/A
EPS(NY)0.13
Fwd EY17.74%
FCF(TTM)-0.05
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS0.04
BVpS0.35
TBVpS0.35
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -493.83%
ROE -505.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 24.65%
FCFM N/A
ROA(3y)-125.06%
ROA(5y)N/A
ROE(3y)-147.18%
ROE(5y)N/A
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-55.89%
GM growth 5YN/A
F-Score4
Asset Turnover0.1
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 6.23
Quick Ratio 6.23
Altman-Z 28.53
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-539.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-773.33%
EPS Next Y98.22%
EPS Next 2Y44.12%
EPS Next 3Y28.55%
EPS Next 5Y21.8%
Revenue 1Y (TTM)-82.61%
Revenue growth 3Y28.21%
Revenue growth 5YN/A
Sales Q2Q%-68.94%
Revenue Next Year-92.5%
Revenue Next 2Y11.8%
Revenue Next 3Y46.59%
Revenue Next 5Y89.66%
EBIT growth 1Y-1120.57%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year98.53%
EBIT Next 3Y26.69%
EBIT Next 5Y15.84%
FCF growth 1Y-125.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-124.94%
OCF growth 3YN/A
OCF growth 5YN/A