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

Europe - FRA:PGH - DE000A1MMEV4 - Common Stock

0.71 EUR
-0.03 (-3.4%)
Last: 9/22/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, PGH scores 3 out of 10 in our fundamental rating. PGH was compared to 110 industry peers in the Capital Markets industry. The financial health of PGH is average, but there are quite some concerns on its profitability. PGH is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
In multiple years PGH reported negative net income over the last 5 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

The Return On Assets of PGH (-31.58%) is worse than 70.91% of its industry peers.
With a Return On Equity value of -34.20%, PGH is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
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

The Gross Margin of PGH (35.87%) is comparable to the rest of the industry.
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

The number of shares outstanding for PGH remains at a similar level compared to 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

An Altman-Z score of 12.18 indicates that PGH is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 12.18, PGH belongs to the best of the industry, outperforming 96.36% 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 12.18
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.
The Current ratio of PGH (0.99) is better than 61.82% 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 63.64% 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.
PGH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -69.54%.
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 41.90% yearly.
PGH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 288.56% yearly.
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.
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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1

4. Valuation

4.1 Price/Earnings Ratio

PGH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

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

PGH's earnings are expected to grow with 41.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y55.84%
EPS Next 3Y41.9%

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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 (9/22/2025, 7:00:00 PM)

0.71

-0.03 (-3.4%)

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 Cap32.87M
Analysts80
Price Target1.84 (159.15%)
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)20%
PT rev (3m)20%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-130.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-96%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 21.59
P/FCF N/A
P/OCF N/A
P/B 2.61
P/tB 2.61
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
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 12.18
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 Year103.45%
EBIT Next 3Y121.42%
EBIT Next 5Y37.2%
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