Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Smartpay Holdings. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Smartpay Holdings's earnings available for a low price, and how does
this compare to other companies in the same industry?
Smartpay Holdings's earnings are expected to grow significantly at over 20% yearly.
Unable to determine if Smartpay Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Smartpay Holdings's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
Smartpay Holdings's finances.
The net worth of a company is the difference between its assets and liabilities.
Smartpay Holdings's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
Smartpay Holdings's long term commitments exceed its cash and other short term assets.
This treemap shows a more detailed breakdown of
Smartpay Holdings's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
High level of physical assets or inventory.
Debt is not covered by short term assets, assets are 0.4x debt.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Bradley Gavin Gerdis, B.Bus. (Hon), M.Com. has been the Chief Executive Officer of SmartPay Holdings Limited since December 21, 2011 and its Managing Director since March 2012. Mr. Gerdis served as the Chief Financial Officer of Customers Ltd., from November 11, 2004 to July 2008 and served as its Head of Strategy and Investment until March 1, 2007. He served as a Founding Executive of Customers Limited. He served as an Equity Analyst of ING Groep N.V., Research Division. He has significant financial and investment management experience including structuring and executing acquisition driven growth strategies. His career includes roles with ANZ Private Equity and ANZ Development Capital. His financial and investment experience also includes roles with Gresham Private Equity and with ING Barings. He has been a Director at SmartPay Holdings Limited since July 1, 2012. He served as an Executive Director of Customers Ltd., from June 1, 2005 to march 1, 2007. He has a Bachelor of Business Honours degree and Master of Commerce degree in Advanced Financial Management.
Insufficient data for Bradley to compare compensation growth.
Bradley's remuneration is lower than average for companies of similar size in Australia.
COO & Executive Director
CEO, MD & Director
Chief Financial Officer
Chief Executive Officer of CPSL
Board of Directors Tenure
Average tenure of the
board of directors in years:
The tenure for the Smartpay Holdings board of directors is about average.
Board of Directors
COO & Executive Director
CEO, MD & Director
Who owns this company?
Recent Insider Trading
No 3 month individual insider trading information.
Smartpay Holdings Limited designs, develops, and implements technology products, services, and software to merchants and retailers. It provides payment and data management solutions for retail, business payment, and transactional processing requirements. The company serves 25,000 merchants with approximately 35,000 EFTPOS terminals in New Zealand and Australia. Smartpay Holdings Limited was incorporated in 1986 and is based in Auckland, New Zealand.
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.