Payright Limited provides in-store credit, point of sale, and online buy now pay later payment options at participating merchants and retailers in Australia and New Zealand.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.39|
|52 Week High||AU$0.34|
|52 Week Low||AU$1.22|
|1 Month Change||-3.75%|
|3 Month Change||-24.51%|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-62.98%|
Recent News & Updates
|PYR||AU Consumer Finance||AU Market|
Return vs Industry: Insufficient data to determine how PYR performed against the Australian Consumer Finance industry.
Return vs Market: Insufficient data to determine how PYR performed against the Australian Market.
Stable Share Price: PYR is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 11% a week.
Volatility Over Time: PYR's weekly volatility (11%) has been stable over the past year.
About the Company
Payright Limited provides in-store credit, point of sale, and online buy now pay later payment options at participating merchants and retailers in Australia and New Zealand. It serves retail, home improvement, health and beauty, photography, education, and automotive sectors. The company was formerly known as Devizo Pty Ltd.
Payright Fundamentals Summary
|PYR fundamental statistics|
Is PYR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PYR income statement (TTM)|
|Cost of Revenue||AU$8.87m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.14|
|Net Profit Margin||-104.60%|
How did PYR perform over the long term?See historical performance and comparison
Is Payright undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate PYR's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate PYR's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: PYR is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.
PE vs Market: PYR is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PYR's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PYR's PB Ratio (1.9x) is in line with the AU Consumer Finance industry average.
How is Payright forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Payright has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Payright performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: PYR is currently unprofitable.
Growing Profit Margin: PYR is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if PYR's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare PYR's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PYR is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).
Return on Equity
High ROE: PYR has a negative Return on Equity (-71.36%), as it is currently unprofitable.
How is Payright's financial position?
Financial Position Analysis
Short Term Liabilities: PYR's short term assets (A$52.1M) exceed its short term liabilities (A$20.5M).
Long Term Liabilities: PYR's short term assets (A$52.1M) exceed its long term liabilities (A$34.0M).
Debt to Equity History and Analysis
Debt Level: PYR's debt to equity ratio (283.3%) is considered high.
Reducing Debt: Insufficient data to determine if PYR's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: PYR has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: PYR has less than a year of cash runway if free cash flow continues to reduce at historical rates of 27.9% each year
What is Payright current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PYR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PYR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PYR's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PYR's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PYR's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Myles Redward is a Co-Founder, Director and Joint CEO at Payright Limited (formerly known as PayRight) Limited since 2015. He has experiences in credit and risk for major corporations including Moody’s...
Experienced Board: PYR's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: PYR insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: PYR only recently listed within the past 12 months.
Payright Limited's employee growth, exchange listings and data sources
- Name: Payright Limited
- Ticker: PYR
- Exchange: ASX
- Founded: 2015
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$34.304m
- Shares outstanding: 89.10m
- Website: https://www.payright.com.au
- Payright Limited
- 787-789 Toorak Road
- Level 2
- Hawthorn East
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 15:35|
|End of Day Share Price||2021/10/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.