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Bottomline Technologies (de)

Nasdaq:EPAY
Snowflake Description

Excellent balance sheet with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EPAY
Nasdaq
$2B
Market Cap
  1. Home
  2. US
  3. Software
Company description

Bottomline Technologies (de), Inc. provides software as a service based solutions. The last earnings update was 42 days ago. More info.


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EPAY Share Price and Events
7 Day Returns
-1.5%
NasdaqGS:EPAY
1.4%
US Software
0.4%
US Market
1 Year Returns
28.3%
NasdaqGS:EPAY
26.7%
US Software
3.5%
US Market
EPAY Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bottomline Technologies (de) (EPAY) -1.5% 0.6% 9.4% 28.3% 66% 38.1%
US Software 1.4% 5.2% 22.7% 26.7% 110.9% 140.1%
US Market 0.4% 1.6% 16.4% 3.5% 39.4% 44%
1 Year Return vs Industry and Market
  • EPAY outperformed the Software industry which returned 26.7% over the past year.
  • EPAY outperformed the Market in United States of America which returned 3.5% over the past year.
Price Volatility
EPAY
Industry
5yr Volatility vs Market

EPAY Value

 Is Bottomline Technologies (de) undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bottomline Technologies (de) to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bottomline Technologies (de).

NasdaqGS:EPAY Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 8 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 9.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:EPAY
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Software Unlevered Beta Simply Wall St/ S&P Global 1.14
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.141 (1 + (1- 21%) (5.59%))
1.128
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.13
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.128 * 5.96%)
9.45%

Discounted Cash Flow Calculation for NasdaqGS:EPAY using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Bottomline Technologies (de) is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

NasdaqGS:EPAY DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 9.45%)
2019 66.48 Analyst x1 60.74
2020 85.04 Analyst x2 70.98
2021 111.80 Analyst x1 85.26
2022 128.00 Est @ 14.49% 89.18
2023 142.03 Est @ 10.96% 90.41
2024 154.08 Est @ 8.49% 89.61
2025 164.51 Est @ 6.76% 87.41
2026 173.64 Est @ 5.55% 84.29
2027 181.81 Est @ 4.71% 80.64
2028 189.29 Est @ 4.11% 76.70
Present value of next 10 years cash flows $815.22
NasdaqGS:EPAY DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2028 × (1 + g) ÷ (Discount Rate – g)
= $189.29 × (1 + 2.73%) ÷ (9.45% – 2.73%)
$2,891.93
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $2,891.93 ÷ (1 + 9.45%)10
$1,171.83
NasdaqGS:EPAY Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $815.22 + $1,171.83
$1,987.05
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $1,987.05 / 40.74
$48.78
NasdaqGS:EPAY Discount to Share Price
Calculation Result
Value per share (USD) From above. $48.78
Current discount Discount to share price of $48.33
= -1 x ($48.33 - $48.78) / $48.78
0.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Bottomline Technologies (de) is available for.
Intrinsic value
1%
Share price is $48.33 vs Future cash flow value of $48.78
Current Discount Checks
For Bottomline Technologies (de) to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Bottomline Technologies (de)'s share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Bottomline Technologies (de)'s share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bottomline Technologies (de)'s earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bottomline Technologies (de)'s earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:EPAY PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $0.39
NasdaqGS:EPAY Share Price ** NasdaqGS (2019-03-22) in USD $48.33
United States of America Software Industry PE Ratio Median Figure of 84 Publicly-Listed Software Companies 52.88x
United States of America Market PE Ratio Median Figure of 3,058 Publicly-Listed Companies 17.52x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bottomline Technologies (de).

NasdaqGS:EPAY PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:EPAY Share Price ÷ EPS (both in USD)

= 48.33 ÷ 0.39

122.46x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bottomline Technologies (de) is overvalued based on earnings compared to the US Software industry average.
  • Bottomline Technologies (de) is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Bottomline Technologies (de)'s expected growth come at a high price?
Raw Data
NasdaqGS:EPAY PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 122.46x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts
50.9%per year
United States of America Software Industry PEG Ratio Median Figure of 66 Publicly-Listed Software Companies 3.6x
United States of America Market PEG Ratio Median Figure of 2,103 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

NasdaqGS:EPAY PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 122.46x ÷ 50.9%

2.41x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bottomline Technologies (de) is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Bottomline Technologies (de)'s assets?
Raw Data
NasdaqGS:EPAY PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $8.86
NasdaqGS:EPAY Share Price * NasdaqGS (2019-03-22) in USD $48.33
United States of America Software Industry PB Ratio Median Figure of 220 Publicly-Listed Software Companies 5.79x
United States of America Market PB Ratio Median Figure of 5,157 Publicly-Listed Companies 1.88x
NasdaqGS:EPAY PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:EPAY Share Price ÷ Book Value per Share (both in USD)

= 48.33 ÷ 8.86

5.46x

* Primary Listing of Bottomline Technologies (de).

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bottomline Technologies (de) is good value based on assets compared to the US Software industry average.
X
Value checks
We assess Bottomline Technologies (de)'s value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Software industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Software industry average (and greater than 0)? (1 check)
  5. Bottomline Technologies (de) has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

EPAY Future Performance

 How is Bottomline Technologies (de) expected to perform in the next 1 to 3 years based on estimates from 8 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
50.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bottomline Technologies (de) expected to grow at an attractive rate?
  • Bottomline Technologies (de)'s earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bottomline Technologies (de)'s earnings growth is expected to exceed the United States of America market average.
  • Bottomline Technologies (de)'s revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:EPAY Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:EPAY Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts 50.9%
NasdaqGS:EPAY Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 8 Analysts 9%
United States of America Software Industry Earnings Growth Rate Market Cap Weighted Average 16.1%
United States of America Software Industry Revenue Growth Rate Market Cap Weighted Average 10.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:EPAY Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:EPAY Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 505 122 29 4
2020-06-30 457 92 17 8
2019-06-30 420 76 6 7
NasdaqGS:EPAY Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 415 104 16
2018-09-30 405 82 13
2018-06-30 394 76 9
2018-03-31 381 51 -8
2017-12-31 366 49 -13
2017-09-30 358 58 -27
2017-06-30 349 61 -33
2017-03-31 344 60 -33
2016-12-31 344 57 -31
2016-09-30 343 65 -26
2016-06-30 343 67 -20
2016-03-31 341 65 -35

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bottomline Technologies (de)'s earnings are expected to grow significantly at over 20% yearly.
  • Bottomline Technologies (de)'s revenue is expected to grow by 9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:EPAY Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below

All data from Bottomline Technologies (de) Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:EPAY Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 0.66 0.80 0.56 3.00
2020-06-30 0.41 0.55 0.35 4.00
2019-06-30 0.15 0.17 0.14 3.00
NasdaqGS:EPAY Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 0.39
2018-09-30 0.33
2018-06-30 0.24
2018-03-31 -0.21
2017-12-31 -0.35
2017-09-30 -0.71
2017-06-30 -0.88
2017-03-31 -0.88
2016-12-31 -0.82
2016-09-30 -0.68
2016-06-30 -0.52
2016-03-31 -0.93

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Bottomline Technologies (de) will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Bottomline Technologies (de)'s future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bottomline Technologies (de) has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

EPAY Past Performance

  How has Bottomline Technologies (de) performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bottomline Technologies (de)'s growth in the last year to its industry (Software).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bottomline Technologies (de) has delivered over 20% year on year earnings growth in the past 5 years.
  • Bottomline Technologies (de) has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • Bottomline Technologies (de) has become profitable in the last year making it difficult to compare the US Software industry average.
Earnings and Revenue History
Bottomline Technologies (de)'s revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bottomline Technologies (de) Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:EPAY Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 414.89 15.53 141.58 62.89
2018-09-30 405.24 12.65 139.48 60.01
2018-06-30 394.10 9.33 133.58 57.31
2018-03-31 381.13 -7.81 128.12 55.86
2017-12-31 366.09 -13.44 122.78 54.79
2017-09-30 357.62 -26.87 122.00 53.93
2017-06-30 349.41 -33.14 122.60 53.00
2017-03-31 344.02 -33.40 125.02 51.47
2016-12-31 344.16 -31.01 125.39 50.35
2016-09-30 343.48 -25.90 125.99 49.03
2016-06-30 343.27 -19.65 123.39 47.36
2016-03-31 340.53 -35.34 120.58 46.72
2015-12-31 336.25 -38.94 119.50 47.50
2015-09-30 332.43 -35.67 116.14 46.76
2015-06-30 330.89 -34.68 114.64 47.19
2015-03-31 327.20 -14.54 112.36 46.79
2014-12-31 323.50 -11.02 111.38 44.76
2014-09-30 314.68 -16.32 111.10 43.00
2014-06-30 300.59 -19.10 106.43 39.73
2014-03-31 283.94 -21.44 98.50 36.15
2013-12-31 270.13 -20.69 93.12 33.92
2013-09-30 260.33 -20.46 87.47 33.08
2013-06-30 254.77 -14.40 89.90 32.97
2013-03-31 251.14 -11.75 84.41 34.01
2012-12-31 242.01 -9.52 80.14 33.06
2012-09-30 233.50 -0.02 74.18 30.56
2012-06-30 224.28 1.71 69.60 28.69
2012-03-31 217.14 32.93 66.50 24.47

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bottomline Technologies (de) has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bottomline Technologies (de) used its assets less efficiently than the US Software industry average last year based on Return on Assets.
  • Bottomline Technologies (de) has become profitable over the past 3 years. This is considered to be a significant improvement in its use of capital (Return on Capital Employed).
X
Past performance checks
We assess Bottomline Technologies (de)'s performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Software industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bottomline Technologies (de) has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

EPAY Health

 How is Bottomline Technologies (de)'s financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Bottomline Technologies (de)'s finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Bottomline Technologies (de) is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Bottomline Technologies (de)'s cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Bottomline Technologies (de)'s finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bottomline Technologies (de) Company Filings, last reported 2 months ago.

NasdaqGS:EPAY Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 360.85 110.00 96.68
2018-09-30 349.26 110.00 86.99
2018-06-30 310.93 150.00 132.28
2018-03-31 297.79 150.00 102.30
2017-12-31 281.95 150.17 74.06
2017-09-30 269.20 187.62 128.33
2017-06-30 261.96 183.68 126.54
2017-03-31 273.04 180.14 140.94
2016-12-31 268.26 176.66 115.22
2016-09-30 287.75 173.23 127.89
2016-06-30 294.79 169.86 132.38
2016-03-31 328.71 168.51 148.82
2015-12-31 321.90 165.54 129.79
2015-09-30 325.50 162.63 128.30
2015-06-30 348.54 159.76 144.39
2015-03-31 359.83 156.95 140.33
2014-12-31 363.88 154.18 187.28
2014-09-30 377.96 151.46 196.58
2014-06-30 387.43 148.80 191.48
2014-03-31 380.36 146.17 224.79
2013-12-31 371.07 143.60 205.60
2013-09-30 367.37 141.07 196.18
2013-06-30 356.75 138.58 293.08
2013-03-31 355.54 136.16 284.04
2012-12-31 350.24 133.79 280.89
2012-09-30 321.53 0.00 107.14
2012-06-30 314.19 0.00 124.86
2012-03-31 314.25 0.00 118.33
  • Bottomline Technologies (de)'s level of debt (30.5%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (38.7% vs 30.5% today).
  • Debt is well covered by operating cash flow (94.7%, greater than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 1.6x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Bottomline Technologies (de)'s financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bottomline Technologies (de) has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

EPAY Dividends

 What is Bottomline Technologies (de)'s current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Bottomline Technologies (de) dividends. Estimated to be 0% next year.
If you bought $2,000 of Bottomline Technologies (de) shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Bottomline Technologies (de)'s dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Bottomline Technologies (de)'s dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:EPAY Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
United States of America Software Industry Average Dividend Yield Market Cap Weighted Average of 24 Stocks 1.6%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2006 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:EPAY Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-06-30 0.00 1.00
2020-06-30 0.00 1.00
2019-06-30 0.00 1.00

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Bottomline Technologies (de) has not reported any payouts.
  • Unable to verify if Bottomline Technologies (de)'s dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Bottomline Technologies (de)'s earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Bottomline Technologies (de) has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Bottomline Technologies (de)'s dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess Bottomline Technologies (de)'s dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bottomline Technologies (de) afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bottomline Technologies (de) has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

EPAY Management

 What is the CEO of Bottomline Technologies (de)'s salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Rob Eberle
COMPENSATION $6,703,447
AGE 57
TENURE AS CEO 12.3 years
CEO Bio

Mr. Robert A. Eberle, also known as Rob, has been the Chief Executive Officer of Bottomline Technologies(de), Inc. since November 16, 2006 and has been its President since August 27, 2004. Mr. Eberle serves as the Chief Executive Officer and President of Bottomline Technologies SA. and Bottomline Technologies Ltd. With more than 15 of the top 25 global banks and 80 of the Fortune 100 as customers, he has successfully led Bottomline Technologies to become the industry's leading provider of transaction banking, payment and invoice solutions. Mr. Eberle served as Chief Operating Officer of Bottomline Technologies(de), Inc. from April 2001 to November 16, 2006 and served as its Chief Financial Officer from September 1998 to August 2004, Secretary and Executive Vice President since September 1998. From September 1998 to May 2001, he served as a Treasurer of Bottomline. Mr. Eberle joined Bottomline in 1998. From December 1996 to September 1998, Mr. Eberle served as Executive Vice President of Telxon Corporation. From August 1993 to December 1996, he served in variety of positions with Telxon Corporation and its subsidiary, Itronix Corporation. He has been an Independent Non-Executive Director at PointClickCare Corp. since 2015. Mr. Eberle has been a Director of Bottomline Technologies(de), Inc., an affiliate of SMA Financial Ltd., since September 2000. He is also a Member of Exeter Hospital Board of Trustees. He has served on the board of a number of venture backed companies and serves on the boards of Exeter Health Resources as well as several youth sports associations. Mr. Eberle holds a B.A. from Boston College and a J.D. from Boston University School of Law.

CEO Compensation
  • Rob's compensation has increased in line with Bottomline Technologies (de) recently becoming profitable.
  • Rob's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Bottomline Technologies (de) management team in years:

6.7
Average Tenure
51
Average Age
  • The average tenure for the Bottomline Technologies (de) management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Rob Eberle

TITLE
President
COMPENSATION
$7M
AGE
57
TENURE
12.3 yrs

Rick Booth

TITLE
CFO & Treasurer
COMPENSATION
$2M
AGE
49
TENURE
3.9 yrs

Nigel Savory

TITLE
Managing Director of Europe
COMPENSATION
$2M
AGE
51
TENURE
15.3 yrs

Norm DeLuca

TITLE
Managing Director of Banking Solutions
COMPENSATION
$2M
AGE
57
TENURE
7.3 yrs

John Kelly

TITLE
General Manager of Legal Solutions
COMPENSATION
$3M
AGE
60
TENURE
7.9 yrs

Peter Cousins

TITLE
Chief Technology Officer
AGE
48
TENURE
5.3 yrs

John Mason

TITLE
Chief Information Officer
AGE
48
TENURE
8.8 yrs

Kate Faust

TITLE
General Counsel
TENURE
1.2 yrs

David Sweet

TITLE
Executive Vice President of Strategy & Corporate Development
AGE
55
TENURE
6 yrs

Christine Nurnberger

TITLE
Chief Marketing Officer
AGE
39
TENURE
4.5 yrs
Board of Directors Tenure

Average tenure and age of the Bottomline Technologies (de) board of directors in years:

5.1
Average Tenure
57.5
Average Age
  • The tenure for the Bottomline Technologies (de) board of directors is about average.
Board of Directors

Joe Mullen

TITLE
Chairman of the Board
COMPENSATION
$303K
AGE
66
TENURE
11.8 yrs

Rob Eberle

TITLE
President
COMPENSATION
$7M
AGE
57
TENURE
18.5 yrs

Jeff Leathe

TITLE
Director
COMPENSATION
$217K
AGE
62
TENURE
13.6 yrs

Ken D’Amato

TITLE
Lead Director
COMPENSATION
$219K
AGE
57
TENURE
3.3 yrs

Jennifer Gray

TITLE
Director
COMPENSATION
$202K
AGE
43
TENURE
6.8 yrs

Benjamin Robinson

TITLE
Director
COMPENSATION
$201K
AGE
54
TENURE
2.8 yrs

Peter Gibson

TITLE
Director
COMPENSATION
$199K
AGE
58
TENURE
2.8 yrs

Paul Hough

TITLE
Director
COMPENSATION
$194K
AGE
59
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • Bottomline Technologies (de) insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
19. Mar 19 Sell Nigel Savory Individual 14. Mar 19 14. Mar 19 -5,895 $49.25 $-290,342
08. Mar 19 Sell Richard Booth Individual 06. Mar 19 06. Mar 19 -6,014 $48.34 $-290,735
20. Feb 19 Sell John Kelly Individual 15. Feb 19 15. Feb 19 -2,942 $47.20 $-138,862
18. Dec 18 Sell Nigel Savory Individual 13. Dec 18 13. Dec 18 -6,723 $50.29 $-338,117
12. Dec 18 Sell Richard Booth Individual 07. Dec 18 07. Dec 18 -5,568 $49.81 $-277,338
11. Dec 18 Sell Robert Eberle Individual 06. Dec 18 06. Dec 18 -15,024 $50.54 $-759,317
13. Sep 18 Sell Nigel Savory Individual 10. Sep 18 10. Sep 18 -5,926 $67.14 $-397,865
12. Sep 18 Sell Benjamin Robinson Individual 07. Sep 18 07. Sep 18 -2,500 $65.74 $-164,350
05. Sep 18 Sell Robert Eberle Individual 30. Aug 18 30. Aug 18 -10,000 $64.44 $-644,350
30. Aug 18 Sell Jennifer Gray Individual 29. Aug 18 29. Aug 18 -1,500 $65.33 $-97,988
30. Aug 18 Sell Nigel Savory Individual 28. Aug 18 28. Aug 18 -6,360 $65.06 $-413,766
30. Aug 18 Sell Joseph Mullen Individual 27. Aug 18 27. Aug 18 -5,000 $64.50 $-322,475
27. Aug 18 Sell Kenneth D’Amato Individual 23. Aug 18 23. Aug 18 -2,000 $63.50 $-127,000
23. Aug 18 Sell Robert Eberle Individual 22. Aug 18 22. Aug 18 -26,903 $63.00 $-1,694,911
23. Aug 18 Sell Jeffrey Leathe Individual 22. Aug 18 22. Aug 18 -5,000 $63.25 $-316,250
17. Aug 18 Sell John Kelly Individual 15. Aug 18 15. Aug 18 -5,198 $59.95 $-311,629
15. Jun 18 Sell Kenneth D’Amato Individual 13. Jun 18 13. Jun 18 -2,000 $48.96 $-97,921
11. Jun 18 Sell Joseph Mullen Individual 08. Jun 18 08. Jun 18 -3,000 $49.76 $-149,286
07. Jun 18 Sell Nigel Savory Individual 06. Jun 18 06. Jun 18 -11,855 $49.80 $-590,367
25. May 18 Buy Peter Gibson Individual 23. May 18 23. May 18 4,000 $46.66 $186,659
25. May 18 Sell Robert Eberle Individual 23. May 18 23. May 18 -19,591 $46.55 $-912,030
15. May 18 Sell Norman DeLuca Individual 11. May 18 11. May 18 -10,000 $44.68 $-446,822
10. May 18 Sell John Kelly Individual 08. May 18 08. May 18 -2,709 $43.15 $-116,893
X
Management checks
We assess Bottomline Technologies (de)'s management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bottomline Technologies (de) has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

EPAY News

Simply Wall St News

When Should You Buy Bottomline Technologies (de), Inc. (NASDAQ:EPAY)?

saw a significant share price rise of over 20% in the past couple of months on the NASDAQGS. … With many analysts covering the mid-cap stock, we may expect any price-sensitive announcements have already been factored into the stock’s share price? … Today I will analyse the most recent data on Bottomline Technologies (de)’s outlook and valuation to see if the opportunity still exists

Simply Wall St -

Why Bottomline Technologies (de), Inc.’s (NASDAQ:EPAY) Return On Capital Employed Looks Uninspiring

In particular, we'll consider its Return On Capital Employed (ROCE), as that can give us insight into how profitably the company is able to employ capital in its business. … What is Return On Capital Employed (ROCE)? … ROCE is a measure of a company's yearly pre-tax profit (its return), relative to the capital employed in the business.

Simply Wall St -

Why Bottomline Technologies (de), Inc. (NASDAQ:EPAY) Is A Financially Healthy Company

Small and large cap stocks are widely popular for a variety of reasons, however, mid-cap companies such as Bottomline Technologies (de), Inc. … Don’t forget that this is a general and concentrated examination of Bottomline Technologies (de)'s financial health, so you should conduct further analysis. … See our latest analysis for Bottomline Technologies (de)

Simply Wall St -

What does Bottomline Technologies (de), Inc.'s (NASDAQ:EPAY) Balance Sheet Tell Us About Its Future?

(NASDAQ:EPAY) with its market cap of US$1.9b, are popular for their explosive growth, investors should also be aware of their balance sheet to judge whether the company can survive a downturn.

Simply Wall St -

Is Bottomline Technologies (de) Inc's (NASDAQ:EPAY) 3.6% Worse Than Average?

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … Bottomline Technologies (de) has a ROE of 3.6%, based on the last twelve months. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

Bottomline Technologies (de) Inc (NASDAQ:EPAY): What's The Analyst Consensus Outlook?

The latest earnings release Bottomline Technologies (de) Inc's (NASDAQ:EPAY) announced in June 2018 … negative earnings

Simply Wall St -

Why Bottomline Technologies (de) Inc's (NASDAQ:EPAY) ROE Of 3.39% Does Not Tell The Whole Story

Bottomline Technologies (de) Inc (NASDAQ:EPAY) delivered a less impressive 3.39% ROE over the past year, compared to the 12.71% return generated by its industry. … Knowing these components can change your views on EPAY's below-average returns. … I will take you through how metrics such as financial leverage impact ROE which may affect the overall sustainability of EPAY's returns

Simply Wall St -

Is Bottomline Technologies (de) Inc (NASDAQ:EPAY) Overpaying Its CEO?

Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor. … CEOs leading companies of similar size and profitability

Simply Wall St -

When Will Bottomline Technologies (de) Inc (NASDAQ:EPAY) Become Profitable?

Bottomline Technologies (de) Inc's (NASDAQ:EPAY):. … Bottomline Technologies (de), Inc. … The US$2.06b market-cap posted a loss in its most recent financial year of -US$33.14m and a latest trailing-twelve-month loss of -US$7.81m shrinking the gap between loss and breakeven?

Simply Wall St -

Bottomline Technologies (de) Inc (NASDAQ:EPAY) Is Expected To Breakeven

Check out our latest analysis for Bottomline Technologies (de) EPAY is bordering on breakeven, according to analysts. … NasdaqGS:EPAY Past Future Earnings Apr 25th 18 I’m not going to go through company-specific developments for EPAY given that this is a high-level summary, though, take into account that by and large a high forecast growth rate is not unusual for a company that is currently undergoing an investment period. … Next Steps: This article is not intended to be a comprehensive analysis on EPAY, so if you are interested in understanding the company at a deeper level, take a look at EPAY’s company page on Simply Wall St.

Simply Wall St -

EPAY Company Info

Description

Bottomline Technologies (de), Inc. provides software as a service based solutions. It operates through four segments: Cloud Solutions, Banking Solutions, Payments and Transactional Documents, and Other. The company’s products and services include Paymode-X, a cloud-based payment network, which allows businesses to transition to electronic integrated payables; and cloud-based financial messaging solutions that enable banks and corporations to exchange financial information, such as payment instructions, cash reporting, and other messages to facilitate transaction settlement. It also provides digital banking solutions that provide payments, cash management, and online banking solutions to financial institutions; and cloud-based legal spend management solutions and services that integrate with claims management, and time and billing systems to automate legal invoice management processes. In addition, the company offers cyber fraud and risk management solutions that monitor, replay, and analyze user behavior and payment transactions to flag and stop suspicious activity in real time; and payment and document automation solutions to automate a range of business documents and supply chain processes, as well as related Web-based delivery and document archive. Further, it provides healthcare solutions for patient registration, electronic signature, mobile document, and payments; and consulting, project implementation, and training services, as well as sells printers, check papers, and magnetic ink character recognition toners. The company serves customers in the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries in the United States, the United Kingdom, Continental Europe, the Asia-Pacific, and the Middle East. Bottomline Technologies (de), Inc. was founded in 1989 and is headquartered in Portsmouth, New Hampshire.

Details
Name: Bottomline Technologies (de), Inc.
EPAY
Exchange: NasdaqGS
Founded: 1989
$1,968,867,540
40,738,000
Website: http://www.bottomline.com
Address: Bottomline Technologies (de), Inc.
325 Corporate Drive,
Portsmouth,
New Hampshire, 03801,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS EPAY Common Stock Nasdaq Global Select US USD 12. Feb 1999
DB BOT Common Stock Deutsche Boerse AG DE EUR 12. Feb 1999
Number of employees
Current staff
Staff numbers
1,700
Bottomline Technologies (de) employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/22 23:33
End of day share price update: 2019/03/22 00:00
Last estimates confirmation: 2019/03/09
Last earnings filing: 2019/02/08
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.