Payfare Inc.

OTCPK:PYFR.F Stock Report

Market Cap: US$69.4m

Payfare Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair 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 PYFR.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate PYFR.F's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate PYFR.F's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PYFR.F?

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

The above table shows the Price to Earnings ratio for PYFR.F. This is calculated by dividing PYFR.F's market cap by their current earnings.
What is PYFR.F's PE Ratio?
PE Ratio5x
EarningsCA$19.38m
Market CapCA$97.05m

Price to Earnings Ratio vs Peers

How does PYFR.F's PE Ratio compare to its peers?

The above table shows the PE ratio for PYFR.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.8x
USIO Usio
14.8x16.6%US$39.9m
PAYS Paysign
23x-24.1%US$185.3m
CASS Cass Information Systems
26.5x31.8%US$610.1m
IMXI International Money Express
10.9x6.5%US$663.0m
PYFR.F Payfare
5x-169.1%US$97.0m

Price-To-Earnings vs Peers: PYFR.F is good value based on its Price-To-Earnings Ratio (5x) compared to the peer average (18.8x).

Price to Earnings Ratio vs Industry

How does PYFR.F's PE Ratio compare vs other companies in the US Diversified Financial Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.3x-143.9%US$510.32m
PMIR PMI Group
1.2xn/aUS$6.80m
ACGX Alliance Creative Group
2.2xn/aUS$467.92k
No more companies available in this PE range
PYFR.F 5.0xIndustry Avg. 18.6xNo. of Companies11PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PYFR.F is good value based on its Price-To-Earnings Ratio (5x) compared to the US Diversified Financial industry average (18.6x).

Price to Earnings Ratio vs Fair Ratio

What is PYFR.F'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.

PYFR.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5x
Fair PE Ratio0.9x

Price-To-Earnings vs Fair Ratio: PYFR.F is expensive based on its Price-To-Earnings Ratio (5x) compared to the estimated Fair Price-To-Earnings Ratio (0.9x).

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 PYFR.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1.45
US$2.15
+48.6%
27.2%US$2.87US$1.44n/a3
Nov ’25US$1.45
US$3.58
+146.6%
39.9%US$5.55US$2.22n/a3
Oct ’25US$1.49
US$3.58
+140.1%
39.9%US$5.55US$2.22n/a3
Sep ’25US$6.50
US$8.82
+35.6%
6.8%US$9.55US$8.08n/a3
Aug ’25US$5.44
US$8.07
+48.3%
12.9%US$9.54US$6.60n/a5
Jul ’25US$4.40
US$7.75
+76.1%
12.8%US$9.50US$6.58n/a5
Jun ’25US$4.75
US$7.90
+66.3%
12.3%US$9.51US$6.58n/a5
May ’25US$4.71
US$7.83
+66.3%
13.1%US$9.52US$6.59n/a5
Apr ’25US$4.63
US$7.73
+67.0%
12.5%US$9.65US$6.68n/a6
Mar ’25US$5.07
US$7.73
+52.5%
12.5%US$9.65US$6.68n/a6
Feb ’25US$5.46
US$7.72
+41.4%
12.5%US$9.63US$6.67n/a6
Jan ’25US$4.60
US$7.72
+67.8%
12.5%US$9.63US$6.67n/a6
Dec ’24US$3.80
US$7.72
+103.1%
12.5%US$9.63US$6.67n/a6
Nov ’24US$3.11
US$8.68
+178.7%
21.9%US$12.65US$6.70US$1.456
Oct ’24US$4.10
US$8.68
+111.7%
21.9%US$12.65US$6.70US$1.496
Sep ’24US$5.10
US$8.68
+70.2%
21.9%US$12.65US$6.70US$6.506
Aug ’24US$4.72
US$9.51
+101.4%
23.9%US$12.93US$6.84US$5.446
Jul ’24US$4.34
US$9.51
+119.0%
23.9%US$12.93US$6.84US$4.406
Jun ’24US$3.85
US$9.64
+150.3%
23.3%US$12.60US$6.67US$4.755
May ’24US$4.90
US$9.48
+93.4%
23.3%US$12.39US$6.56US$4.715
Apr ’24US$4.95
US$9.48
+91.4%
23.3%US$12.39US$6.56US$4.635
Mar ’24US$5.00
US$9.76
+95.3%
23.3%US$12.77US$6.76US$5.075
Feb ’24US$4.03
US$9.76
+142.3%
23.3%US$12.77US$6.76US$5.465
Jan ’24n/a
US$9.76
0%
23.3%US$12.77US$6.76US$4.605
Dec ’23n/a
US$9.76
0%
23.3%US$12.77US$6.76US$3.805
Nov ’23US$3.54
US$9.88
+179.1%
17.8%US$12.35US$7.99US$3.115

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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