PAY Stock Overview
Paynova AB provides digital payment solutions for merchants in Sweden.
Price History & Performance
|Historical stock prices|
|Current Share Price||kr7.98|
|52 Week High||kr0|
|52 Week Low||kr0|
|1 Month Change||-10.34%|
|3 Month Change||-22.90%|
|1 Year Change||-44.97%|
|3 Year Change||-72.10%|
|5 Year Change||-89.07%|
|Change since IPO||-99.35%|
Recent News & Updates
|PAY||SE IT||SE Market|
Return vs Industry: PAY underperformed the Swedish IT industry which returned 46% over the past year.
Return vs Market: PAY underperformed the Swedish Market which returned 28% over the past year.
|PAY Average Weekly Movement||6.0%|
|IT Industry Average Movement||6.0%|
|Market Average Movement||6.5%|
|10% most volatile stocks in SE Market||11.8%|
|10% least volatile stocks in SE Market||3.8%|
Stable Share Price: PAY is not significantly more volatile than the rest of Swedish stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: PAY's weekly volatility (6%) has been stable over the past year.
About the Company
Paynova AB provides digital payment solutions for merchants in Sweden. It engages in the provision of consumer credit infrastructures, including invoicing, installments, and processing of card and direct bank payments. The company was founded in 2000 and is based in Stockholm, Sweden.
Paynova Fundamentals Summary
|PAY fundamental statistics|
Is PAY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PAY income statement (TTM)|
|Cost of Revenue||kr42.61m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-2.99|
|Net Profit Margin||-119.71%|
How did PAY perform over the long term?See historical performance and comparison
Is Paynova 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 PAY's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate PAY's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: PAY is unprofitable, so we can't compare its PE Ratio to the Swedish IT industry average.
PE vs Market: PAY is unprofitable, so we can't compare its PE Ratio to the Swedish market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PAY's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PAY's PB Ratio (3.9x) is in line with the SE IT industry average.
How is Paynova forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Software 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 Paynova 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 Paynova performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAY is currently unprofitable.
Growing Profit Margin: PAY is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: PAY is unprofitable, and losses have increased over the past 5 years at a rate of 19.9% per year.
Accelerating Growth: Unable to compare PAY's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PAY is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (17.6%).
Return on Equity
High ROE: PAY has a negative Return on Equity (-148.59%), as it is currently unprofitable.
How is Paynova's financial position?
Financial Position Analysis
Short Term Liabilities: PAY's short term assets (SEK124.7M) exceed its short term liabilities (SEK121.1M).
Long Term Liabilities: PAY's short term assets (SEK124.7M) exceed its long term liabilities (SEK29.7M).
Debt to Equity History and Analysis
Debt Level: PAY's net debt to equity ratio (92.4%) is considered high.
Reducing Debt: PAY's debt to equity ratio has increased from 81.1% to 171.9% over the past 5 years.
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: PAY has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: PAY has less than a year of cash runway if free cash flow continues to reduce at historical rates of 8.6% each year
What is Paynova current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PAY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PAY'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 PAY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PAY'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 PAY's dividend in 3 years as they are not forecast to pay a notable one for the Swedish market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David Larsson (48 yo)
Mr. David Larsson has been Vice President of Sales and Marketing at Paynova AB since 2017 and has been its CEO & Managing Director since 2020. Mr. Larsson served as Chief Operating Officer at Mekonomen AB...
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD148.67K) is below average for companies of similar size in the Swedish market ($USD234.81K).
Compensation vs Earnings: Insufficient data to compare David's compensation with company performance.
Experienced Management: PAY's management team is considered experienced (2.8 years average tenure).
Experienced Board: PAY's board of directors are not considered experienced ( 1.1 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: PAY 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 30.1%.
Paynova AB's employee growth, exchange listings and data sources
- Name: Paynova AB
- Ticker: PAY
- Exchange: NGM
- Founded: 2000
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: kr131.457m
- Shares outstanding: 16.90m
- Website: https://www.paynova.com
Number of Employees
- Paynova AB
- Söder Mälarstrand 65
- Stockholm County
- 118 25
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/01 22:01|
|End of Day Share Price||2021/12/01 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.