TVV Stock Overview
OxPay Financial Limited provides merchant payment and digital commerce enabling solutions in Singapore, Malaysia, Indonesia, and Thailand.
OxPay Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||S$0.16|
|52 Week High||S$0.50|
|52 Week Low||S$0.14|
|1 Month Change||-4.24%|
|3 Month Change||-9.20%|
|1 Year Change||-67.42%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||1,655.56%|
Recent News & Updates
|TVV||SG IT||SG Market|
Return vs Industry: TVV underperformed the SG IT industry which returned -4.5% over the past year.
Return vs Market: TVV underperformed the SG Market which returned -4.1% over the past year.
|TVV Average Weekly Movement||6.4%|
|IT Industry Average Movement||6.3%|
|Market Average Movement||4.9%|
|10% most volatile stocks in SG Market||11.3%|
|10% least volatile stocks in SG Market||2.3%|
Stable Share Price: TVV is not significantly more volatile than the rest of SG stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: TVV's weekly volatility (6%) has been stable over the past year.
About the Company
|2005||n/a||Chee Keong Tan||https://oxpayfinancial.com|
OxPay Financial Limited provides merchant payment and digital commerce enabling solutions in Singapore, Malaysia, Indonesia, and Thailand. The company offers online-to-offline financial service through its integrated platform with a focus on servicing merchants in the retail, transportation, and food and beverage industries. Its products include payment solutions, such as card acceptance and alternative payment; cross border and local payout solutions; and online and offline solutions.
OxPay Financial Fundamentals Summary
|TVV fundamental statistics|
Is TVV overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|TVV income statement (TTM)|
|Cost of Revenue||S$7.29m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.098|
|Net Profit Margin||-154.24%|
How did TVV perform over the long term?See historical performance and comparison
Is TVV undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for TVV?
Other financial metrics that can be useful for relative valuation.
|What is TVV's n/a Ratio?|
Price to Sales Ratio vs Peers
How does TVV's PS Ratio compare to its peers?
|TVV PS Ratio vs Peers|
|Company||PS||Estimated Growth||Market Cap|
YYN Plato Capital
BBW Azeus Systems Holdings
544 CSE Global
TVV OxPay Financial
Price-To-Sales vs Peers: TVV is good value based on its Price-To-Sales Ratio (2.5x) compared to the peer average (4.9x).
Price to Earnings Ratio vs Industry
How does TVV's PE Ratio compare vs other companies in the Asian IT Industry?
Price-To-Sales vs Industry: TVV is expensive based on its Price-To-Sales Ratio (2.5x) compared to the SG IT industry average (2.5x)
Price to Sales Ratio vs Fair Ratio
What is TVV's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PS Ratio||2.5x|
|Fair PS Ratio||1.6x|
Price-To-Sales vs Fair Ratio: TVV is expensive based on its Price-To-Sales Ratio (2.5x) compared to the estimated Fair Price-To-Sales Ratio (1.6x).
Share Price vs Fair Value
What is the Fair Price of TVV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: TVV (SGD0.16) is trading below our estimate of fair value (SGD2.11)
Significantly Below Fair Value: TVV is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate TVV's PEG Ratio to determine if it is good value.
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How is OxPay Financial forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score6/6
Future Growth Score 6/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TVV is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.8%).
Earnings vs Market: TVV is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: TVV is expected to become profitable in the next 3 years.
Revenue vs Market: TVV's revenue (20.3% per year) is forecast to grow faster than the SG market (7.8% per year).
High Growth Revenue: TVV's revenue (20.3% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TVV's Return on Equity is forecast to be high in 3 years time (27.9%)
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How has OxPay Financial performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TVV is currently unprofitable.
Growing Profit Margin: TVV is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: TVV is unprofitable, and losses have increased over the past 5 years at a rate of 39.7% per year.
Accelerating Growth: Unable to compare TVV's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: TVV is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (20%).
Return on Equity
High ROE: TVV has a negative Return on Equity (-503.51%), as it is currently unprofitable.
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How is OxPay Financial's financial position?
Financial Health Score6/6
Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: TVV's short term assets (SGD30.0M) exceed its short term liabilities (SGD25.0M).
Long Term Liabilities: TVV's short term assets (SGD30.0M) exceed its long term liabilities (SGD24.0K).
Debt to Equity History and Analysis
Debt Level: TVV has more cash than its total debt.
Reducing Debt: TVV had negative shareholder equity 5 years ago, but is now positive and has therefore improved.
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: Whilst unprofitable TVV has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: TVV is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 320.2% per year.
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What is OxPay Financial current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate TVV's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate TVV'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 TVV's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if TVV's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as TVV has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Chee Keong Tan
Mr. Chee Keong Tan serves as Director at OxPay Financial Limited since March 2022. He had been Non-Executive Independent Director of OxPay Financial Limited (formerly known as MC Payment Limited) since Jun...
Experienced Management: TVV's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Experienced Board: TVV'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: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
OxPay Financial Limited's employee growth, exchange listings and data sources
- Name: OxPay Financial Limited
- Ticker: TVV
- Exchange: Catalist
- Founded: 2005
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: S$43.529m
- Shares outstanding: 275.50m
- Website: https://oxpayfinancial.com
- OxPay Financial Limited
- 10 Ubi Crescent
- No. 03-48 Lobby C, Ubi Techpark
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 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.