Bottomline Technologies (de), Inc. provides various solutions for the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries.
Excellent balance sheet with reasonable growth potential.
Share Price & News
How has Bottomline Technologies (de)'s share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EPAY has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: EPAY underperformed the US Software industry which returned 29.5% over the past year.
Return vs Market: EPAY underperformed the US Market which returned 14% over the past year.
Price Volatility Vs. Market
How volatile is Bottomline Technologies (de)'s share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StWhy Bottomline Technologies (de), Inc.’s (NASDAQ:EPAY) Use Of Investor Capital Doesn’t Look Great
3 weeks ago | Simply Wall StEarnings Beat: Bottomline Technologies (de), Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
3 weeks ago | Simply Wall StIs Bottomline Technologies (de), Inc.'s (NASDAQ:EPAY) ROE Of 2.4% Concerning?
Is Bottomline Technologies (de) undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: EPAY ($46.47) is trading above our estimate of fair value ($41.01)
Significantly Below Fair Value: EPAY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EPAY is poor value based on its PE Ratio (341.5x) compared to the Software industry average (48.4x).
PE vs Market: EPAY is poor value based on its PE Ratio (341.5x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: EPAY is poor value based on its PEG Ratio (5.2x)
Price to Book Ratio
PB vs Industry: EPAY is good value based on its PB Ratio (4.9x) compared to the US Software industry average (5.8x).
How is Bottomline Technologies (de) forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EPAY's forecast earnings growth (65.5% per year) is above the savings rate (1.7%).
Earnings vs Market: EPAY's earnings (65.5% per year) are forecast to grow faster than the US market (13.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: EPAY's revenue (10.7% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: EPAY's revenue (10.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if EPAY's Return on Equity is forecast to be high in 3 years time
How has Bottomline Technologies (de) performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EPAY has a large one-off gain of $5.2M impacting its December 31 2019 financial results.
Growing Profit Margin: EPAY's current net profit margins (1.3%) are lower than last year (3.7%).
Past Earnings Growth Analysis
Earnings Trend: EPAY has become profitable over the past 5 years, growing earnings by 46.6% per year.
Accelerating Growth: EPAY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: EPAY had negative earnings growth (-63.8%) over the past year, making it difficult to compare to the Software industry average (18.4%).
Return on Equity
High ROE: EPAY's Return on Equity (1.4%) is considered low.
Return on Assets
Return on Capital Employed
How is Bottomline Technologies (de)'s financial position?
Financial Position Analysis
Short Term Liabilities: EPAY's short term assets ($196.8M) exceed its short term liabilities ($132.3M).
Long Term Liabilities: EPAY's short term assets ($196.8M) exceed its long term liabilities ($166.7M).
Debt to Equity History and Analysis
Debt Level: EPAY's debt to equity ratio (25.6%) is considered satisfactory.
Reducing Debt: EPAY's debt to equity ratio has reduced from 41.9% to 25.6% over the past 5 years.
Inventory Level: EPAY has a low level of unsold assets or inventory.
Debt Coverage by Assets: EPAY's debt is covered by short term assets (assets are 1.9x debt).
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: EPAY is profitable, therefore cash runway is not a concern.
Forecast Cash Runway: EPAY is profitable, therefore cash runway is not a concern.
What is Bottomline Technologies (de)'s current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate EPAY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate EPAY's dividend yield against the top 25% of dividend payers, as the company has not reported any 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 (58yo)
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 ($USD8.37M) is above average for companies of similar size in the US market ($USD3.87M).
Compensation vs Earnings: Rob's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|CFO & Treasurer||4.8yrs||US$2.21m||0.26% $5.3m|
|GM of Legal Solutions||8.8yrs||US$849.94k||0.13% $2.6m|
|Managing Director of Europe||16.2yrs||US$5.26m||0.37% $7.5m|
|Managing Director of Banking Solutions||8.3yrs||US$2.23m||0.18% $3.6m|
|Chief Information Officer||9.7yrs||no data||no data|
|Executive VP of Strategy & Corporate Development||6.9yrs||no data||no data|
|Chief Marketing Officer||5.4yrs||no data||no data|
|Chief People Officer||1.8yrs||no data||no data|
|Executive VP of Product Strategy & Customer Delivery||12.3yrs||no data||no data|
Experienced Management: EPAY's management team is seasoned and experienced (8.5 years average tenure).
|Independent Chairman of the Board||12.8yrs||US$414.96k||0.18% $3.7m|
|Independent Director||14.5yrs||US$328.15k||0.032% $650.5k|
|Independent Director||2.8yrs||US$308.15k||0.043% $882.8k|
|Independent Director||3.8yrs||US$309.15k||0.041% $836.4k|
|Independent Director||3.8yrs||US$310.65k||0.070% $1.4m|
|Independent Director||7.8yrs||US$313.15k||0.045% $929.5k|
|Lead Director||4.3yrs||US$330.65k||0.059% $1.2m|
Experienced Board: EPAY's board of directors are considered experienced (6 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 been diluted in the past year, with total shares outstanding growing by 5%.
Bottomline Technologies (de), Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Bottomline Technologies (de), Inc.
- Ticker: EPAY
- Exchange: NasdaqGS
- Founded: 1989
- Industry: Application Software
- Sector: Software
- Market Cap: US$2.045b
- Shares outstanding: 44.01m
- Website: https://www.bottomline.com
Number of Employees
- Bottomline Technologies (de), Inc.
- 325 Corporate Drive
- New Hampshire
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EPAY||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Feb 1999|
|BOT||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Feb 1999|
Bottomline Technologies (de), 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 Transactional Documents, and Other. The company’s products and services include Paymode-X, an integrated payment solution, which allows businesses to transition from manual accounts payable payments processes to an integrated solution; and financial messaging solutions for risk management to banks and corporations. It also provides Digital Banking Intelligent Engagement platform that enables banks to engage with customers; legal spend management solutions and services, which integrate with claims management, and time and billing systems to automate legal invoice management processes, as well as provide insight into various areas of a company’s outside legal spend. In addition, the company offers cyber fraud and risk management solutions to monitor, replay, and analyse user behaviour and payment transactions to flag and stop suspicious activity in real time; payment automation solutions that generate various domestic and international payment instructions along with consolidated bank reporting of cash activity; and various solutions for healthcare industry to address patient registration, electronic signature, mobile document, payments, and cybersecurity. Further, it provides consulting, project implementation, and training services. The company serves customers 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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/25 00:20|
|End of Day Share Price||2020/02/24 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.