PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - NYSE:PSFE - BMG6964L2062 - Common Stock
14.05 USD
-0.35 (-2.43%)
14.33 USD
+0.28 (+1.99%)
Taking everything into account, PSFE scores 3 out of 10 in our fundamental rating. PSFE was compared to 101 industry peers in the Financial Services industry. PSFE has a bad profitability rating. Also its financial health evaluation is rather negative. PSFE may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year PSFE was profitable.
In the past year PSFE had a positive cash flow from operations.
PSFE had negative earnings in 4 of the past 5 years.
In the past 5 years PSFE always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -1.00%, PSFE is doing worse than 80.20% of the companies in the same industry.
The Return On Equity of PSFE (-6.08%) is worse than 80.20% of its industry peers.
PSFE has a Return On Invested Capital of 2.58%. This is comparable to the rest of the industry: PSFE outperforms 50.49% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PSFE is below the industry average of 7.64%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROIC | 2.58% |
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
1.3 Margins
PSFE has a worse Operating Margin (6.79%) than 64.36% of its industry peers.
PSFE's Operating Margin has declined in the last couple of years.
The Gross Margin of PSFE (56.70%) is better than 71.29% of its industry peers.
In the last couple of years the Gross Margin of PSFE has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% |
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
2. Health
2.1 Basic Checks
PSFE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for PSFE has been reduced compared to 1 year ago.
The number of shares outstanding for PSFE has been increased compared to 5 years ago.
The debt/assets ratio for PSFE is higher compared to a year ago.
2.2 Solvency
PSFE has an Altman-Z score of -0.05. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
PSFE's Altman-Z score of -0.05 is on the low side compared to the rest of the industry. PSFE is outperformed by 65.35% of its industry peers.
PSFE has a debt to FCF ratio of 20.92. This is a negative value and a sign of low solvency as PSFE would need 20.92 years to pay back of all of its debts.
PSFE has a Debt to FCF ratio (20.92) which is comparable to the rest of the industry.
PSFE has a Debt/Equity ratio of 3.15. This is a high value indicating a heavy dependency on external financing.
PSFE has a worse Debt to Equity ratio (3.15) than 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.05 |
ROIC/WACC0.33
WACC7.76%
2.3 Liquidity
PSFE has a Current Ratio of 1.20. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
PSFE has a Current ratio (1.20) which is comparable to the rest of the industry.
PSFE has a Quick Ratio of 1.20. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
PSFE's Quick ratio of 1.20 is in line compared to the rest of the industry. PSFE outperforms 59.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 638.10% over the past year.
The Revenue has been growing slightly by 0.47% in the past year.
PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
EPS 1Y (TTM)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
3.2 Future
PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 108.52% yearly.
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y577.26%
EPS Next 2Y188.75%
EPS Next 3Y108.52%
EPS Next 5YN/A
Revenue Next Year0.57%
Revenue Next 2Y3.76%
Revenue Next 3Y4.24%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.43 indicates a correct valuation of PSFE.
PSFE's Price/Earnings ratio is a bit cheaper when compared to the industry. PSFE is cheaper than 60.40% of the companies in the same industry.
When comparing the Price/Earnings ratio of PSFE to the average of the S&P500 Index (27.30), we can say PSFE is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.68, the valuation of PSFE can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 92.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaper than 91.09% of the companies in the same industry.
PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 87.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.78 | ||
| EV/EBITDA | 5.41 |
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 PSFE's earnings are expected to grow with 108.52% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y188.75%
EPS Next 3Y108.52%
5. Dividend
5.1 Amount
No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.05
-0.35 (-2.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners41.02%
Inst Owner Change37.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap826.84M
Analysts53.33
Price Target15.86 (12.88%)
Short Float %5.68%
Short Ratio4.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.74%
Min EPS beat(2)-18.76%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)-245.29%
Min EPS beat(4)-1035.83%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-194.93%
EPS beat(12)1
Avg EPS beat(12)-203.74%
EPS beat(16)3
Avg EPS beat(16)-1471.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.77%
Revenue beat(16)7
Avg Revenue beat(16)-0.92%
PT rev (1m)-2.1%
PT rev (3m)-2.1%
EPS NQ rev (1m)0.9%
EPS NQ rev (3m)165.11%
EPS NY rev (1m)0.54%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-3.82%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 4.68 | ||
| P/S | 0.49 | ||
| P/FCF | 6.78 | ||
| P/OCF | 3.55 | ||
| P/B | 1.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.41 |
EPS(TTM)1.13
EY8.04%
EPS(NY)3
Fwd EY21.36%
FCF(TTM)2.07
FCFY14.75%
OCF(TTM)3.96
OCFY28.17%
SpS28.49
BVpS13.71
TBVpS-37.68
PEG (NY)0.02
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROCE | 3.26% | ||
| ROIC | 2.58% | ||
| ROICexc | 4.07% | ||
| ROICexgc | N/A | ||
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% | ||
| FCFM | 7.27% |
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
ROICexc(3y)5.35%
ROICexc(5y)4.21%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.7%
ROCE(5y)3.07%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y45.09%
ROICexc growth 5Y9.54%
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
F-Score5
Asset Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Debt/EBITDA | 6.55 | ||
| Cap/Depr | 40.49% | ||
| Cap/Sales | 6.62% | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | 60.03% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | -0.05 |
F-Score5
WACC7.76%
ROIC/WACC0.33
Cap/Depr(3y)38.14%
Cap/Depr(5y)34.21%
Cap/Sales(3y)6.4%
Cap/Sales(5y)5.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
EPS Next Y577.26%
EPS Next 2Y188.75%
EPS Next 3Y108.52%
EPS Next 5YN/A
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
Revenue Next Year0.57%
Revenue Next 2Y3.76%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
EBIT growth 1Y-31.08%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year218.47%
EBIT Next 3Y51.64%
EBIT Next 5YN/A
FCF growth 1Y113.36%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y128.82%
OCF growth 3Y4.17%
OCF growth 5Y-2.56%