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PAYA

Paya Holdings NasdaqCM:PAYA Stock Report

Last Price

US$4.94

Market Cap

US$652.4m

7D

-4.4%

1Y

-47.3%

Updated

12 May, 2022

Data

Company Financials +
PAYA fundamental analysis
Snowflake Score
Valuation1/6
Future Growth4/6
Past Performance1/6
Financial Health1/6
Dividends0/6

PAYA Stock Overview

Paya Holdings Inc., through its subsidiaries, operates as an independent integrated payments platform.

Paya Holdings Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Paya Holdings
Historical stock prices
Current Share PriceUS$4.94
52 Week HighUS$11.99
52 Week LowUS$4.51
Beta0.013
1 Month Change-5.36%
3 Month Change-23.65%
1 Year Change-47.28%
3 Year Change-49.33%
5 Year Changen/a
Change since IPOn/a

Recent News & Updates

Shareholder Returns

PAYAUS ITUS Market
7D-4.4%-13.8%-10.1%
1Y-47.3%-27.8%-10.8%

Return vs Industry: PAYA underperformed the US IT industry which returned -27.8% over the past year.

Return vs Market: PAYA underperformed the US Market which returned -10.8% over the past year.

Price Volatility

Is PAYA's price volatile compared to industry and market?
PAYA volatility
PAYA Average Weekly Movement10.5%
IT Industry Average Movement9.8%
Market Average Movement7.7%
10% most volatile stocks in US Market16.4%
10% least volatile stocks in US Market2.8%

Stable Share Price: PAYA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: PAYA's weekly volatility (10%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
n/a300Jeff Hackhttps://www.paya.com

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

How do Paya Holdings's earnings and revenue compare to its market cap?
PAYA fundamental statistics
Market CapUS$652.44m
Earnings (TTM)US$356.00k
Revenue (TTM)US$260.09m

1,836x

P/E Ratio

2.5x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PAYA income statement (TTM)
RevenueUS$260.09m
Cost of RevenueUS$124.35m
Gross ProfitUS$135.74m
Other ExpensesUS$135.39m
EarningsUS$356.00k

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.0027
Gross Margin52.19%
Net Profit Margin0.14%
Debt/Equity Ratio99.3%

How did PAYA perform over the long term?

See historical performance and comparison

Valuation

Is Paya Holdings undervalued compared to its fair value and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


1836.43x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: PAYA ($4.94) is trading above our estimate of fair value ($4.16)

Significantly Below Fair Value: PAYA is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: PAYA is poor value based on its PE Ratio (1836.4x) compared to the US IT industry average (25.6x).

PE vs Market: PAYA is poor value based on its PE Ratio (1836.4x) compared to the US market (15.3x).


Price to Earnings Growth Ratio

PEG Ratio: PAYA is poor value based on its PEG Ratio (36.3x)


Price to Book Ratio

PB vs Industry: PAYA is good value based on its PB Ratio (2.7x) compared to the US IT industry average (3x).


Future Growth

How is Paya Holdings forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?

Future Growth Score

4/6

Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


50.5%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PAYA's forecast earnings growth (50.5% per year) is above the savings rate (1.9%).

Earnings vs Market: PAYA's earnings (50.5% per year) are forecast to grow faster than the US market (12.3% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PAYA's revenue (10.8% per year) is forecast to grow faster than the US market (7.8% per year).

High Growth Revenue: PAYA's revenue (10.8% 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 (8.8%).


Past Performance

How has Paya Holdings performed over the past 5 years?

Past Performance Score

1/6

Past Performance Score 1/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-25.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: PAYA has a large one-off loss of $9.3M 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 (21.9%).


Return on Equity

High ROE: PAYA's Return on Equity (0.1%) is considered low.


Financial Health

How is Paya Holdings's financial position?

Financial Health Score

1/6

Financial Health Score 1/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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 (40.9%) 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).


Balance Sheet


Dividend

What is Paya Holdings's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.5yrs

Average management tenure


CEO

Jeff Hack (56 yo)

3.5yrs

Tenure

US$1,009,750

Compensation

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 ($USD1.01M) is below average for companies of similar size in the US market ($USD3.90M).

Compensation vs Earnings: Jeff's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

Experienced Management: PAYA's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.


Board Members

Experienced Board: PAYA's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.2%.


Top Shareholders

Company Information

Paya Holdings Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Paya Holdings Inc.
  • Ticker: PAYA
  • Exchange: NasdaqCM
  • Founded: NaN
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Implied Market Cap: US$652.436m
  • Shares outstanding: 132.07m
  • Website: https://www.paya.com

Number of Employees


Location

  • Paya Holdings Inc.
  • 303 Perimeter Centre North
  • Suite 600
  • Atlanta
  • Georgia
  • 30346
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/12 00:00
End of Day Share Price2022/05/12 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.