IOUpay Limited provides fintech and digital commerce software solutions and services that enable its institutional customers to securely authenticate end-user customers and process banking, purchase, and payment transactions in Australia, Malaysia, Singapore, Indonesia, and internationally.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.25|
|52 Week High||AU$0.13|
|52 Week Low||AU$0.85|
|1 Month Change||2.04%|
|3 Month Change||4.17%|
|1 Year Change||-1.96%|
|3 Year Change||1,036.36%|
|5 Year Change||185.22%|
|Change since IPO||16.68%|
Recent News & Updates
|IOU||AU Interactive Media and Services||AU Market|
Return vs Industry: IOU underperformed the Australian Interactive Media and Services industry which returned 29.8% over the past year.
Return vs Market: IOU underperformed the Australian Market which returned 21.4% over the past year.
Stable Share Price: IOU is more volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: IOU's weekly volatility has decreased from 18% to 12% over the past year, but is still higher than 75% of Australian stocks.
About the Company
IOUpay Limited provides fintech and digital commerce software solutions and services that enable its institutional customers to securely authenticate end-user customers and process banking, purchase, and payment transactions in Australia, Malaysia, Singapore, Indonesia, and internationally. The company offers mobile banking platform, which provides ready-to-use application services and digital banking basic architecture to facilitate the development of financial services applications; mobile wallet solution; secure transaction messaging; and mobile backend as a service, a platform that designed for building and enhancing multiplatform enterprise-grade apps. It also provides IOUpay platform, which enables to process bill payments; prepaid or postpaid payment processing; prepaid airtime, data, electricity, water, vehicle and health insurance, parking, student fees, household rates and taxes; transfers and remittances; consumer loan payments; and buy now pay later instalments, as well as mobile OTT (over-the-top) services.
IOUpay Fundamentals Summary
|IOU fundamental statistics|
Is IOU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|IOU income statement (TTM)|
|Cost of Revenue||AU$6.00m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.0087|
|Net Profit Margin||-66.70%|
How did IOU perform over the long term?See historical performance and comparison
Is IOUpay 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 IOU's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate IOU's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: IOU is unprofitable, so we can't compare its PE Ratio to the Australian Interactive Media and Services industry average.
PE vs Market: IOU 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 IOU's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: IOU is good value based on its PB Ratio (2.4x) compared to the AU Interactive Media and Services industry average (7.3x).
How is IOUpay forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Media 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 IOUpay 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 IOUpay performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IOU is currently unprofitable.
Growing Profit Margin: IOU is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: IOU is unprofitable, but has reduced losses over the past 5 years at a rate of 5.1% per year.
Accelerating Growth: Unable to compare IOU's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: IOU is unprofitable, making it difficult to compare its past year earnings growth to the Interactive Media and Services industry (10.8%).
Return on Equity
High ROE: IOU has a negative Return on Equity (-8.4%), as it is currently unprofitable.
How is IOUpay's financial position?
Financial Position Analysis
Short Term Liabilities: IOU's short term assets (A$56.7M) exceed its short term liabilities (A$1.9M).
Long Term Liabilities: IOU's short term assets (A$56.7M) exceed its long term liabilities (A$868.5K).
Debt to Equity History and Analysis
Debt Level: IOU is debt free.
Reducing Debt: IOU had no debt 5 years ago.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: IOU has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: IOU has sufficient cash runway for more than 3 years if free cash flow continues to reduce at historical rates of 60.2% each year
What is IOUpay current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate IOU's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate IOU's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if IOU's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if IOU's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of IOU's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Chin Wee Lee, is also known as Aaron, has been an Interim Executive Chairman of the Board at IOUpay Limited (formerly known as iSentric Limited) since July 8 2020 and has been its Interim Group Chief E...
CEO Compensation Analysis
Compensation vs Market: Aaron's total compensation ($USD95.61K) is below average for companies of similar size in the Australian market ($USD303.33K).
Compensation vs Earnings: Aaron's compensation has increased whilst the company is unprofitable.
Experienced Management: IOU's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Experienced Board: IOU's board of directors are not considered experienced ( 0.9 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: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 49.6%.
IOUpay Limited's employee growth, exchange listings and data sources
- Name: IOUpay Limited
- Ticker: IOU
- Exchange: ASX
- Founded: 2000
- Industry: Interactive Media and Services
- Sector: Media
- Market Cap: AU$140.610m
- Shares outstanding: 551.41m
- Website: https://www.iou-pay.com
- IOUpay Limited
- 35 Lime Street
- Suite 305
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/22 07:05|
|End of Day Share Price||2021/10/22 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.