| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
PAY Stock Overview
PayPoint plc provides payments and banking, shopping, and E-commerce services and products in the United Kingdom.
PayPoint Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£5.80 |
| 52 Week High | UK£7.42 |
| 52 Week Low | UK£5.00 |
| Beta | 1.33 |
| 1 Month Change | 0.52% |
| 3 Month Change | -6.90% |
| 1 Year Change | -2.85% |
| 3 Year Change | -45.69% |
| 5 Year Change | -39.33% |
| Change since IPO | 189.28% |
Recent News & Updates
PayPoint (LON:PAY) Is Paying Out A Larger Dividend Than Last Year
PayPoint plc ( LON:PAY ) will increase its dividend on the 7th of March to UK£0.085. This makes the dividend yield...
PayPoint (LON:PAY) Is Increasing Its Dividend To UK£0.085
The board of PayPoint plc ( LON:PAY ) has announced that it will be increasing its dividend on the 7th of March to...
PayPoint (LON:PAY) Is Increasing Its Dividend To UK£0.085
PayPoint plc's ( LON:PAY ) dividend will be increasing to UK£0.085 on 7th of March. This makes the dividend yield 5.5...
Shareholder Returns
| PAY | GB IT | GB Market | |
|---|---|---|---|
| 7D | 0.9% | 0.8% | -0.4% |
| 1Y | -2.8% | -18.9% | -4.0% |
Return vs Industry: PAY exceeded the UK IT industry which returned -18.9% over the past year.
Return vs Market: PAY exceeded the UK Market which returned -4% over the past year.
Price Volatility
| PAY volatility | |
|---|---|
| PAY Average Weekly Movement | 3.5% |
| IT Industry Average Movement | 6.9% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in GB Market | 11.6% |
| 10% least volatile stocks in GB Market | 3.2% |
Stable Share Price: PAY is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PAY's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1996 | 669 | Nick Wiles | https://www.paypoint.com |
PayPoint plc provides payments and banking, shopping, and E-commerce services and products in the United Kingdom. It offers bill payment services, such as over-the-counter payments, digital bill payments, and cash out services; top-ups, including mobiles phones, eMoney vouchers, prepaid debit cards, and lottery tickets; and retail services comprising ATM, card payments, parcels, money transfer, SIM cards, EPoS, and receipt advertising. The company also provides MultiPay, an integrated solution that offers a suite of digital payments; and PayPoint One retail terminal.
PayPoint Fundamentals Summary
| PAY fundamental statistics | |
|---|---|
| Market Cap | UK£396.31m |
| Earnings (TTM) | UK£22.14m |
| Revenue (TTM) | UK£137.24m |
18.1x
P/E Ratio2.9x
P/S RatioIs PAY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PAY income statement (TTM) | |
|---|---|
| Revenue | UK£137.24m |
| Cost of Revenue | UK£48.87m |
| Gross Profit | UK£88.36m |
| Other Expenses | UK£66.22m |
| Earnings | UK£22.14m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
May 26, 2022
| Earnings per share (EPS) | 0.32 |
| Gross Margin | 64.39% |
| Net Profit Margin | 16.13% |
| Debt/Equity Ratio | 54.4% |
How did PAY perform over the long term?
See historical performance and comparisonDividends
5.9%
Current Dividend Yield104%
Payout RatioValuation
Is PayPoint undervalued compared to its fair value and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
49.4%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: PAY (£5.8) is trading below our estimate of fair value (£11.46)
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 (18.1x) compared to the UK IT industry average (32.4x).
PE vs Market: PAY is poor value based on its PE Ratio (18.1x) compared to the UK market (15.4x).
Price to Earnings Growth Ratio
PEG Ratio: PAY is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: PAY is overvalued based on its PB Ratio (5x) compared to the GB IT industry average (3.8x).
Future Growth
How is PayPoint forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score
3/6Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
30.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PAY's forecast earnings growth (30.6% per year) is above the savings rate (0.9%).
Earnings vs Market: PAY's earnings (30.6% per year) are forecast to grow faster than the UK market (11.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PAY's revenue (0.9% per year) is forecast to grow slower than the UK market (4% per year).
High Growth Revenue: PAY's revenue (0.9% per year) is forecast to grow slower than 20% 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
Past Performance
How has PayPoint performed over the past 5 years?
Past Performance Score
1/6Past Performance Score 1/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-12.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAY has a large one-off loss of £13.2M impacting its September 30 2021 financial results.
Growing Profit Margin: PAY's current net profit margins (16.1%) are lower than last year (26.8%).
Past Earnings Growth Analysis
Earnings Trend: PAY's earnings have declined by 12.9% per year over the past 5 years.
Accelerating Growth: PAY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PAY had negative earnings growth (-39.3%) over the past year, making it difficult to compare to the IT industry average (26.7%).
Return on Equity
High ROE: PAY's Return on Equity (27.6%) is considered high.
Financial Health
How is PayPoint's financial position?
Financial Health Score
4/6Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: PAY's short term assets (£95.3M) do not cover its short term liabilities (£125.6M).
Long Term Liabilities: PAY's short term assets (£95.3M) exceed its long term liabilities (£21.7M).
Debt to Equity History and Analysis
Debt Level: PAY's net debt to equity ratio (25.3%) is considered satisfactory.
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 (70.3%).
Interest Coverage: PAY's interest payments on its debt are well covered by EBIT (26.6x coverage).
Balance Sheet
Dividend
What is PayPoint current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
5.86%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PAY's dividend (5.86%) is higher than the bottom 25% of dividend payers in the UK market (1.8%).
High Dividend: PAY's dividend (5.86%) is in the top 25% of dividend payers in the UK market (4.86%)
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.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (104%), PAY's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its high cash payout ratio (95.8%), PAY's dividend payments are not well covered by cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
2.0yrs
Average management tenure
CEO
Nick Wiles (59 yo)
2yrs
Tenure
UK£1,001,000
Compensation
Mr. Nicholas Wiles, also known as Nick, serves as Chief Executive Officer at PayPoint plc since May 20, 2020 and serves as its Member of Executive Board. Mr. Wiles served as Non-Executive Director of Picto...
CEO Compensation Analysis
Compensation vs Market: Nick's total compensation ($USD1.26M) is about average for companies of similar size in the UK market ($USD1.02M).
Compensation vs Earnings: Nick's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
Experienced Management: PAY's management team is considered experienced (2 years average tenure).
Board Members
Experienced Board: PAY's board of directors are considered experienced (5 years average tenure).
Ownership
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
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
PayPoint plc's employee growth, exchange listings and data sources
Key Information
- Name: PayPoint plc
- Ticker: PAY
- Exchange: LSE
- Founded: 1996
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: UK£396.313m
- Shares outstanding: 68.92m
- Website: https://www.paypoint.com
Number of Employees
Location
- PayPoint plc
- 1 The Boulevard
- Shire Park
- Welwyn Garden City
- Herefordshire
- AL7 1EL
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/23 00:00 |
| End of Day Share Price | 2022/05/23 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2021/03/31 |
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.