EPAY Stock Overview
Bottomline Technologies, Inc. provides various solutions for the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries.
Bottomline Technologies Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$56.36|
|52 Week High||US$56.80|
|52 Week Low||US$36.05|
|1 Month Change||0.41%|
|3 Month Change||27.08%|
|1 Year Change||6.93%|
|3 Year Change||14.32%|
|5 Year Change||119.47%|
|Change since IPO||175.34%|
Recent News & Updates
Bottomline: Cloud Solutions, Machine Learning, And Undervalued
Bottomline helps businesses accelerate the digital transformation of payments. The company’s Cloud Solutions segment will continue to drive revenue growth in the coming years. Take into account that the Cloud Computing industry is expected to grow at a CAGR of 17.5% in the next four years. In my opinion, EPAY already works with a large number of organizations, clients, and partners. Thus, finding new stakeholders will not be difficult. I assumed D&A of $60-$110 million, changes of accounts receivables of $7-$15 million, and capital expenditures of $45-$60 million. The free cash flow would increase from $85 million in 2024-2025 to $300 million in 2031.
|EPAY||US Software||US Market|
Return vs Industry: EPAY underperformed the US Software industry which returned 17.2% over the past year.
Return vs Market: EPAY underperformed the US Market which returned 13.7% over the past year.
|EPAY Average Weekly Movement||8.5%|
|Software Industry Average Movement||8.7%|
|Market Average Movement||6.6%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.4%|
Stable Share Price: EPAY is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: EPAY's weekly volatility (8%) has been stable over the past year.
About the Company
Bottomline Technologies, Inc. provides various solutions for the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries. It operates through four segments: Cloud Solutions, Banking Solutions, Payments and Documents, and Other. The company’s products and services include Paymode-X, a SaaS solution, which allows businesses to transition from legacy invoice-to-pay processes maximizing cost-savings, efficiency, and security; PTX, a payment platform that offers various ways to pay and get paid to organizations; and financial messaging solutions for risk management to financial institutions and corporations.
Bottomline Technologies Fundamentals Summary
|EPAY fundamental statistics|
Is EPAY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|EPAY income statement (TTM)|
|Cost of Revenue||US$202.24m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.48|
|Net Profit Margin||-4.47%|
How did EPAY perform over the long term?See historical performance and comparison
Is Bottomline Technologies 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: EPAY ($56.36) is trading above our estimate of fair value ($49.44)
Significantly Below Fair Value: EPAY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EPAY is unprofitable, so we can't compare its PE Ratio to the US Software industry average.
PE vs Market: EPAY is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EPAY's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EPAY is overvalued based on its PB Ratio (5.7x) compared to the US Software industry average (5.1x).
How is Bottomline Technologies forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EPAY is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: EPAY is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: EPAY is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: EPAY's revenue (11% per year) is forecast to grow faster than the US market (9.3% per year).
High Growth Revenue: EPAY's revenue (11% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: EPAY's Return on Equity is forecast to be low in 3 years time (13.7%).
How has Bottomline Technologies performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EPAY is currently unprofitable.
Growing Profit Margin: EPAY is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: EPAY is unprofitable, but has reduced losses over the past 5 years at a rate of 19.9% per year.
Accelerating Growth: Unable to compare EPAY's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EPAY is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (20%).
Return on Equity
High ROE: EPAY has a negative Return on Equity (-4.9%), as it is currently unprofitable.
How is Bottomline Technologies's financial position?
Financial Position Analysis
Short Term Liabilities: EPAY's short term assets ($237.8M) exceed its short term liabilities ($147.5M).
Long Term Liabilities: EPAY's short term assets ($237.8M) exceed its long term liabilities ($199.8M).
Debt to Equity History and Analysis
Debt Level: EPAY's net debt to equity ratio (1.7%) is considered satisfactory.
Reducing Debt: EPAY's debt to equity ratio has reduced from 60.3% to 30.1% 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: Whilst unprofitable EPAY has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: EPAY is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 5.1% per year.
What is Bottomline Technologies's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate EPAY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate EPAY'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 EPAY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EPAY'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 EPAY's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rob Eberle (60 yo)
Mr. Robert A. Eberle, also known as Rob, has been the Chief Executive Officer of Bottomline Technologies(de), Inc. since November 16, 2006 and its President since August 27, 2004. Mr. Eberle serves as the...
CEO Compensation Analysis
Compensation vs Market: Rob's total compensation ($USD6.41M) is about average for companies of similar size in the US market ($USD5.13M).
Compensation vs Earnings: Rob's compensation has increased whilst the company is unprofitable.
Experienced Management: EPAY's management team is seasoned and experienced (8.1 years average tenure).
Experienced Board: EPAY's board of directors are considered experienced (5.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: EPAY insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bottomline Technologies, Inc.'s employee growth, exchange listings and data sources
- Name: Bottomline Technologies, Inc.
- Ticker: EPAY
- Exchange: NasdaqGS
- Founded: 1989
- Industry: Application Software
- Sector: Software
- Implied Market Cap: US$2.534b
- Shares outstanding: 44.96m
- Website: https://www.bottomline.com
Number of Employees
- Bottomline Technologies, Inc.
- 325 Corporate Drive
- New Hampshire
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/18 23:54|
|End of Day Share Price||2022/01/18 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.