PayPoint plc provides specialist consumer payment, transaction processing, settlement, and other services and products in the United Kingdom, Ireland, and Romania. More Details
Established dividend payer and good value.
Share Price & News
How has PayPoint's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PAY is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PAY's weekly volatility (3%) has been stable over the past year.
7 Day Return
GB Commercial Services
1 Year Return
GB Commercial Services
Return vs Industry: PAY underperformed the UK Commercial Services industry which returned 24.3% over the past year.
Return vs Market: PAY underperformed the UK Market which returned 26.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is PayPoint's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StShould You Think About Buying PayPoint plc (LON:PAY) Now?
1 month ago | Simply Wall StThese 4 Measures Indicate That PayPoint (LON:PAY) Is Using Debt Safely
2 months ago | Simply Wall StEstimating The Fair Value Of PayPoint plc (LON:PAY)
Is PayPoint undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: PAY (£5.85) is trading below our estimate of fair value (£7.79)
Significantly Below Fair Value: PAY is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: PAY is good value based on its PE Ratio (9.5x) compared to the GB Commercial Services industry average (37.7x).
PE vs Market: PAY is good value based on its PE Ratio (9.5x) compared to the UK market (26.1x).
Price to Earnings Growth Ratio
PEG Ratio: PAY's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: PAY is overvalued based on its PB Ratio (8.9x) compared to the GB Commercial Services industry average (2.5x).
How is PayPoint forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PAY's earnings are forecast to decline over the next 3 years (-0.6% per year).
Earnings vs Market: PAY's earnings are forecast to decline over the next 3 years (-0.6% per year).
High Growth Earnings: PAY's earnings are forecast to decline over the next 3 years.
Revenue vs Market: PAY's revenue is expected to decline over the next 3 years (-4.3% per year).
High Growth Revenue: PAY's revenue is forecast to decline over the next 3 years (-4.3% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if PAY's Return on Equity is forecast to be high in 3 years time
How has PayPoint performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAY has high quality earnings.
Growing Profit Margin: PAY's current net profit margins (20.6%) are lower than last year (23.3%).
Past Earnings Growth Analysis
Earnings Trend: PAY's earnings have grown by 15.6% per year over the past 5 years.
Accelerating Growth: PAY's earnings growth over the past year (3.7%) is below its 5-year average (15.6% per year).
Earnings vs Industry: PAY earnings growth over the past year (3.7%) exceeded the Commercial Services industry -12.7%.
Return on Equity
High ROE: PAY's Return on Equity (93.7%) is considered outstanding.
How is PayPoint's financial position?
Financial Position Analysis
Short Term Liabilities: PAY's short term assets (£163.3M) do not cover its short term liabilities (£163.4M).
Long Term Liabilities: PAY's short term assets (£163.3M) exceed its long term liabilities (£12.0K).
Debt to Equity History and Analysis
Debt Level: PAY's debt to equity ratio (46.7%) is considered high.
Reducing Debt: Insufficient data to determine if PAY's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: PAY's debt is well covered by operating cash flow (317.8%).
Interest Coverage: PAY's interest payments on its debt are well covered by EBIT (78.5x coverage).
What is PayPoint current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PAY's dividend (5.33%) is higher than the bottom 25% of dividend payers in the UK market (1.35%).
High Dividend: PAY's dividend (5.33%) is in the top 25% of dividend payers in the UK market (4.04%)
Stability and Growth of Payments
Stable Dividend: PAY's dividend payments have been volatile in the past 10 years.
Growing Dividend: PAY's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (50.6%), PAY's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: PAY's dividends in 3 years are forecast to be covered by earnings (75.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Nick Wiles (58 yo)
Mr. Nicholas Wiles, also known as Nick, serves as Chief Executive Officer at PayPoint plc since May 20, 2020. Mr. Wiles served as Non-Executive Director of Picton Property Income Limited since January 1, 2...
CEO Compensation Analysis
Compensation vs Market: Nick's total compensation ($USD754.36K) is about average for companies of similar size in the UK market ($USD718.45K).
Compensation vs Earnings: Nick's compensation has increased by more than 20% in the past year.
Experienced Management: PAY's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.
Experienced Board: PAY's board of directors are not considered experienced ( 1 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PayPoint plc's company bio, employee growth, exchange listings and data sources
- Name: PayPoint plc
- Ticker: PAY
- Exchange: LSE
- Founded: 1996
- Industry: Diversified Support Services
- Sector: Commercial Services
- Market Cap: UK£398.492m
- Shares outstanding: 68.12m
- Website: https://www.paypoint.com
Number of Employees
- PayPoint plc
- 1 The Boulevard
- Shire Park
- Welwyn Garden City
- AL7 1EL
- United Kingdom
PayPoint plc provides specialist consumer payment, transaction processing, settlement, and other services and products in the United Kingdom, Ireland, and Romania. It offers bill and general services, such...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/10 02:22|
|End of Day Share Price||2021/05/07 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.