Smartpay Holdings Limited
Smartpay Holdings Limited Fundamental Analysis
Smartpay Holdings Limited (SMP.AX) shows moderate financial fundamentals with a PE ratio of -426.25, profit margin of -0.69%, and ROE of -1.39%. The company generates $0.1B in annual revenue with strong year-over-year growth of 24.53%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SMP.AX's fundamental strength across five key dimensions:
Efficiency Score
WeakSMP.AX struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSMP.AX trades at attractive valuation levels.
Growth Score
ModerateSMP.AX shows steady but slowing expansion.
Financial Health Score
ModerateSMP.AX shows balanced financial health with some risks.
Profitability Score
WeakSMP.AX struggles to sustain strong margins.
Key Financial Metrics
Is SMP.AX Expensive or Cheap?
P/E Ratio
SMP.AX trades at -426.25 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SMP.AX's PEG of -3.49 indicates potential undervaluation.
Price to Book
The market values Smartpay Holdings Limited at 5.96 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 31.08 times EBITDA. This signals the market has high growth expectations.
How Well Does SMP.AX Make Money?
Net Profit Margin
For every $100 in sales, Smartpay Holdings Limited keeps $-0.69 as profit after all expenses.
Operating Margin
Core operations generate 0.27 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-1.39 in profit for every $100 of shareholder equity.
ROA
Smartpay Holdings Limited generates $-0.67 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Smartpay Holdings Limited produces operating cash flow of $12.04M, showing steady but balanced cash generation.
Free Cash Flow
Smartpay Holdings Limited generates weak or negative free cash flow of $-9.49M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.04 in free cash annually.
FCF Yield
SMP.AX converts -3.06% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-426.25
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
5.96
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.96
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.41
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.73
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.01
vs 25 benchmark
ROA
Return on assets percentage
-0.01
vs 25 benchmark
ROCE
Return on capital employed
0.004
vs 25 benchmark
How SMP.AX Stacks Against Its Sector Peers
| Metric | SMP.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -426.25 | 36.62 | Better (Cheaper) |
| ROE | -1.39% | 1000.00% | Weak |
| Net Margin | -0.69% | 5890821264.00% | Weak |
| Debt/Equity | 0.41 | 0.38 | Neutral |
| Current Ratio | 0.73 | 5.02 | Weak Liquidity |
| ROA | -0.67% | -294176.00% (disorted) | Weak |
SMP.AX outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Smartpay Holdings Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
234.32%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
431.45%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
156.36%
Industry Style: Growth, Innovation, High Beta
High Growth