PayPoint plc
PayPoint plc Fundamental Analysis
PayPoint plc (PYPTF) shows moderate financial fundamentals with a PE ratio of 21.14, profit margin of 5.07%, and ROE of 17.24%. The company generates $0.3B in annual revenue with strong year-over-year growth of 82.66%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze PYPTF's fundamental strength across five key dimensions:
Efficiency Score
WeakPYPTF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPYPTF trades at attractive valuation levels.
Growth Score
ModeratePYPTF shows steady but slowing expansion.
Financial Health Score
ModeratePYPTF shows balanced financial health with some risks.
Profitability Score
WeakPYPTF struggles to sustain strong margins.
Key Financial Metrics
Is PYPTF Expensive or Cheap?
P/E Ratio
PYPTF trades at 21.14 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PYPTF's PEG of -3.87 indicates potential undervaluation.
Price to Book
The market values PayPoint plc at 3.56 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 8.83 times EBITDA. This is generally considered low.
How Well Does PYPTF Make Money?
Net Profit Margin
For every $100 in sales, PayPoint plc keeps $5.07 as profit after all expenses.
Operating Margin
Core operations generate 10.43 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.24 in profit for every $100 of shareholder equity.
ROA
PayPoint plc generates $2.72 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PayPoint plc generates limited operating cash flow of $15.40M, signaling weaker underlying cash strength.
Free Cash Flow
PayPoint plc generates weak or negative free cash flow of $-2.38M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.04 in free cash annually.
FCF Yield
PYPTF converts -0.75% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
21.14
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.87
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.56
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.03
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.21
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.001
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.14
vs 25 benchmark
How PYPTF Stacks Against Its Sector Peers
| Metric | PYPTF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 21.14 | 35.62 | Better (Cheaper) |
| ROE | 17.24% | 1160.00% | Weak |
| Net Margin | 5.07% | -136515.00% (disorted) | Weak |
| Debt/Equity | 1.21 | 0.39 | Weak (High Leverage) |
| Current Ratio | 1.00 | 4.79 | Neutral |
| ROA | 2.72% | -311498.00% (disorted) | Weak |
PYPTF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PayPoint plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
35.87%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
-24.64%
Industry Style: Growth, Innovation, High Beta
DecliningFCF CAGR
-14.95%
Industry Style: Growth, Innovation, High Beta
Declining