PayPoint plc

LSE:PAY Stock Report

Market Cap: UK£368.9m

PayPoint Valuation

Is PAY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of PAY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: PAY (£6.13) is trading below our estimate of future cash flow value (£10.61)

Significantly Below Future Cash Flow Value: PAY is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PAY?

Key metric: As PAY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PAY. This is calculated by dividing PAY's market cap by their current earnings.
What is PAY's PE Ratio?
PE Ratio9.4x
EarningsUK£39.33m
Market CapUK£368.90m

Price to Earnings Ratio vs Peers

How does PAY's PE Ratio compare to its peers?

The above table shows the PE ratio for PAY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.7x
BOKU Boku
33.9x24.47%UK£312.5m
CABP CAB Payments Holdings
14.4x24.77%UK£195.5m
FNX Fonix
14.7x6.90%UK£164.5m
WISE Wise Group
23.6x13.81%UK£8.8b
PAY PayPoint
9.4x10.55%UK£368.9m

Price-To-Earnings vs Peers: PAY is good value based on its Price-To-Earnings Ratio (9.4x) compared to the peer average (21.7x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does PAY's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
NBS Nationwide Building Society
1.1xn/aUS$1.57b
No more companies available in this PE range
PAY 9.4xIndustry Avg. 11.8xNo. of Companies4PE01020304050+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PAY is good value based on its Price-To-Earnings Ratio (9.4x) compared to the European Diversified Financial industry average (11.8x).

Price to Earnings Ratio vs Fair Ratio

What is PAY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PAY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.4x
Fair PE Ratio13.7x

Price-To-Earnings vs Fair Ratio: PAY is good value based on its Price-To-Earnings Ratio (9.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst PAY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£6.13
UK£6.88
+12.24%
38.91%UK£9.55UK£4.20n/a2
Jul ’27UK£5.83
UK£6.88
+18.03%
38.91%UK£9.55UK£4.20n/a2
Jun ’27UK£5.56
UK£8.25
+48.38%
35.45%UK£11.00UK£4.20n/a3
May ’27UK£6.28
UK£8.25
+31.37%
35.45%UK£11.00UK£4.20n/a3
Apr ’27UK£5.81
UK£8.25
+42.00%
35.45%UK£11.00UK£4.20n/a3
Mar ’27UK£5.92
UK£8.25
+39.36%
35.45%UK£11.00UK£4.20n/a3
Feb ’27UK£5.33
UK£8.25
+54.78%
35.45%UK£11.00UK£4.20n/a3
Jan ’27UK£4.74
UK£8.42
+77.75%
32.01%UK£11.00UK£4.70n/a3
Dec ’26UK£4.65
UK£8.42
+81.00%
32.01%UK£11.00UK£4.70n/a3
Nov ’26UK£6.97
UK£9.42
+35.16%
26.56%UK£11.92UK£6.00n/a3
Oct ’26UK£8.08
UK£9.59
+18.63%
23.73%UK£11.92UK£6.50n/a3
Sep ’26UK£7.67
UK£9.59
+25.00%
23.73%UK£11.92UK£6.50n/a3
Aug ’26UK£7.88
UK£9.59
+21.73%
23.73%UK£11.92UK£6.50n/a3
Jul ’26UK£9.24
UK£9.59
+3.75%
23.73%UK£11.92UK£6.50UK£5.833
Jun ’26UK£7.70
UK£9.49
+23.17%
24.61%UK£11.92UK£5.63UK£5.564
May ’26UK£7.37
UK£9.49
+28.79%
24.61%UK£11.92UK£5.63UK£6.284
Apr ’26UK£6.88
UK£9.49
+37.91%
24.61%UK£11.92UK£5.63UK£5.814
Mar ’26UK£6.92
UK£9.49
+37.05%
24.61%UK£11.92UK£5.63UK£5.924
Feb ’26UK£7.70
UK£9.49
+23.17%
24.61%UK£11.92UK£5.63UK£5.334
Jan ’26UK£8.45
UK£9.46
+11.96%
25.16%UK£11.92UK£5.53UK£4.744
Dec ’25UK£8.88
UK£9.46
+6.49%
25.16%UK£11.92UK£5.53UK£4.654
Nov ’25UK£8.48
UK£8.66
+2.11%
26.87%UK£11.92UK£5.53UK£6.974
Oct ’25UK£7.23
UK£8.66
+19.87%
26.87%UK£11.92UK£5.53UK£8.084
Sep ’25UK£7.44
UK£8.66
+16.38%
26.87%UK£11.92UK£5.53UK£7.674
Aug ’25UK£7.56
UK£8.66
+14.54%
26.87%UK£11.92UK£5.53UK£7.884
Jul ’25UK£6.97
UK£7.91
+13.53%
31.58%UK£11.92UK£5.04UK£9.244
UK£6.88
Fair Value
10.9% undervalued intrinsic discount
2
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/26 14:48
End of Day Share Price 2026/07/24 00:00
Earnings2026/03/31
Annual Earnings2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PayPoint plc is covered by 10 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gerardus VosBarclays
Sven MerktBarclays
Grégoire HermannBarclays