PAYA Stock Overview
Paya Holdings Inc., through its subsidiaries, operates as an independent integrated payments platform.
Paya Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$6.74|
|52 Week High||US$11.99|
|52 Week Low||US$4.51|
|1 Month Change||10.13%|
|3 Month Change||14.82%|
|1 Year Change||-35.25%|
|3 Year Change||-31.30%|
|5 Year Change||n/a|
|Change since IPO||n/a|
Recent News & Updates
|PAYA||US IT||US Market|
Return vs Industry: PAYA underperformed the US IT industry which returned -32% over the past year.
Return vs Market: PAYA underperformed the US Market which returned -18.4% over the past year.
|PAYA Average Weekly Movement||9.0%|
|IT Industry Average Movement||10.1%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: PAYA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: PAYA's weekly volatility (9%) has been stable over the past year.
About the Company
Paya Holdings Inc., through its subsidiaries, operates as an independent integrated payments platform. It operates through two segments, Integrated Solutions and Payment Services. The company processes payments through credit and debit card, automated clearing house, and check payments.
Paya Holdings Fundamentals Summary
|PAYA fundamental statistics|
Is PAYA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PAYA income statement (TTM)|
|Cost of Revenue||US$124.35m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.0027|
|Net Profit Margin||0.14%|
How did PAYA perform over the long term?See historical performance and comparison
Is PAYA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
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 PAYA?
Other financial metrics that can be useful for relative valuation.
|What is PAYA's n/a Ratio?|
Price to Sales Ratio vs Peers
How does PAYA's PS Ratio compare to its peers?
|PAYA PS Ratio vs Peers|
|Company||PS||Estimated Growth||Market Cap|
WETG WeTrade Group
IIIV i3 Verticals
GB Global Blue Group Holding
PAYA Paya Holdings
Price-To-Sales vs Peers: PAYA is good value based on its Price-To-Sales Ratio (3.4x) compared to the peer average (19.8x).
Price to Earnings Ratio vs Industry
How does PAYA's PE Ratio compare vs other companies in the US IT Industry?
Price-To-Sales vs Industry: PAYA is expensive based on its Price-To-Sales Ratio (3.4x) compared to the US IT industry average (2.5x)
Price to Sales Ratio vs Fair Ratio
What is PAYA'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||3.4x|
|Fair PS Ratio||2.8x|
Price-To-Sales vs Fair Ratio: PAYA is expensive based on its Price-To-Sales Ratio (3.4x) compared to the estimated Fair Price-To-Sales Ratio (2.8x).
Share Price vs Fair Value
What is the Fair Price of PAYA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PAYA ($6.74) is trading above our estimate of fair value ($4.31)
Significantly Below Fair Value: PAYA is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: PAYA is poor value based on its PEG Ratio (49.3x)
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How is Paya Holdings forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Future Growth Score4/6
Future Growth Score 4/6
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: PAYA's forecast earnings growth (50.9% per year) is above the savings rate (1.9%).
Earnings vs Market: PAYA's earnings (50.9% per year) are forecast to grow faster than the US market (13.9% per year).
High Growth Earnings: PAYA's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PAYA's revenue (10.9% per year) is forecast to grow faster than the US market (8.4% per year).
High Growth Revenue: PAYA's revenue (10.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PAYA's Return on Equity is forecast to be low in 3 years time (7.9%).
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How has Paya Holdings performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAYA has a large one-off loss of $9.7M impacting its March 31 2022 financial results.
Growing Profit Margin: PAYA's current net profit margins (0.1%) are lower than last year (0.6%).
Past Earnings Growth Analysis
Earnings Trend: PAYA has become profitable over the past 5 years, growing earnings by -25.8% per year.
Accelerating Growth: PAYA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PAYA had negative earnings growth (-70.2%) over the past year, making it difficult to compare to the IT industry average (21.4%).
Return on Equity
High ROE: PAYA's Return on Equity (0.1%) is considered low.
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How is Paya Holdings's financial position?
Financial Health Score1/6
Financial Health Score 1/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: PAYA's short term assets ($262.3M) exceed its short term liabilities ($123.7M).
Long Term Liabilities: PAYA's short term assets ($262.3M) do not cover its long term liabilities ($274.0M).
Debt to Equity History and Analysis
Debt Level: PAYA's net debt to equity ratio (40.8%) is considered high.
Reducing Debt: Insufficient data to determine if PAYA's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: PAYA's debt is not well covered by operating cash flow (15.2%).
Interest Coverage: PAYA's interest payments on its debt are not well covered by EBIT (1.8x coverage).
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What is Paya Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PAYA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PAYA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PAYA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PAYA's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as PAYA has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jeff Hack (56 yo)
Mr. Jeffrey I. Hack, also known as Jeff, serves as Chief Executive Officer and Director at Paya Holdings Inc. since November 2018. Mr. Hack served as an Executive Vice President and Chief Operating Officer...
CEO Compensation Analysis
Compensation vs Market: Jeff's total compensation ($USD1.01M) is below average for companies of similar size in the US market ($USD4.02M).
Compensation vs Earnings: Jeff's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: PAYA's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Experienced Board: PAYA's board of directors are not considered experienced ( 2.4 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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.2%.
Paya Holdings Inc.'s employee growth, exchange listings and data sources
- Name: Paya Holdings Inc.
- Ticker: PAYA
- Exchange: NasdaqCM
- Founded: NaN
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$890.165m
- Shares outstanding: 132.07m
- Website: https://www.paya.com
Number of Employees
- Paya Holdings Inc.
- 303 Perimeter Centre North
- Suite 600
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 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.