IOUpay Limited Logo

IOUpay Limited

IOU.AX

(1.2)
Stock Price

0,04 AUD

-206.15% ROA

-105.95% ROE

-0.7x PER

Market Cap.

43.801.529,00 AUD

22.26% DER

0% Yield

-315.27% NPM

IOUpay Limited Stock Analysis

IOUpay Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

IOUpay Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.3x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (2%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

4 ROE

The stock's ROE indicates a negative return (-16.11%) on shareholders' equity, suggesting poor financial performance.

5 ROA

The stock's ROA (-8.24%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

IOUpay Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

IOUpay Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

IOUpay Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

IOUpay Limited Revenue
Year Revenue Growth
1999 0
2000 15.280 100%
2001 8.782 -73.99%
2002 380.368 97.69%
2003 352.812 -7.81%
2004 211.204 -67.05%
2005 516.817 59.13%
2006 414.804 -24.59%
2007 1.512.782 72.58%
2008 2.319.520 34.78%
2009 844.200 -174.76%
2010 0 0%
2011 71.521 100%
2012 0 0%
2013 0 0%
2014 8.550.742 100%
2015 9.803.091 12.78%
2016 7.550.358 -29.84%
2017 9.300.732 18.82%
2018 6.599.911 -40.92%
2019 6.445.109 -2.4%
2020 7.186.717 10.32%
2021 8.399.809 14.44%
2022 18.964.884 55.71%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

IOUpay Limited Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 209.116 100%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 307.688 100%
2019 41.654 -638.68%
2020 9.201 -352.71%
2021 7.504 -22.61%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

IOUpay Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 209.858 100%
2001 580.602 63.86%
2002 800.330 27.45%
2003 1.441.274 44.47%
2004 1.740.743 17.2%
2005 1.362.892 -27.72%
2006 1.183.383 -15.17%
2007 1.283.039 7.77%
2008 1.309.618 2.03%
2009 535.953 -144.35%
2010 511.467 -4.79%
2011 462.237 -10.65%
2012 480.837 3.87%
2013 408.147 -17.81%
2014 1.544.480 73.57%
2015 2.340.497 34.01%
2016 2.194.837 -6.64%
2017 2.765.460 20.63%
2018 2.329.717 -18.7%
2019 1.740.070 -33.89%
2020 2.092.970 16.86%
2021 6.042.917 65.36%
2022 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

IOUpay Limited EBITDA
Year EBITDA Growth
1999 -521.836
2000 -1.988.265 73.75%
2001 -4.094.868 51.44%
2002 -3.600.820 -13.72%
2003 -3.013.371 -19.49%
2004 -7.776.643 61.25%
2005 -13.428.909 42.09%
2006 -2.849.153 -371.33%
2007 -2.280.721 -24.92%
2008 -4.589.464 50.31%
2009 -856.607 -435.77%
2010 -595.674 -43.8%
2011 -476.429 -25.03%
2012 -712.364 33.12%
2013 -695.077 -2.49%
2014 508.108 236.8%
2015 1.998.798 74.58%
2016 -12.432.619 116.08%
2017 771.831 1710.8%
2018 -389.236 298.29%
2019 -633.046 38.51%
2020 -3.707.083 82.92%
2021 -8.369.472 55.71%
2022 -97.267.560 91.4%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

IOUpay Limited Gross Profit
Year Gross Profit Growth
1999 0
2000 15.280 100%
2001 8.782 -73.99%
2002 380.368 97.69%
2003 163.012 -133.34%
2004 60.788 -168.16%
2005 138.276 56.04%
2006 92.171 -50.02%
2007 854.396 89.21%
2008 1.290.016 33.77%
2009 323.208 -299.13%
2010 0 0%
2011 71.521 100%
2012 0 0%
2013 0 0%
2014 8.550.742 100%
2015 9.803.091 12.78%
2016 7.550.358 -29.84%
2017 9.300.732 18.82%
2018 2.632.476 -253.31%
2019 1.700.059 -54.85%
2020 1.188.611 -43.03%
2021 2.381.135 50.08%
2022 -3.579.040 166.53%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

IOUpay Limited Net Profit
Year Net Profit Growth
1999 -260.918
2000 -1.499.884 82.6%
2001 -2.578.531 41.83%
2002 -2.192.036 -17.63%
2003 0 0%
2004 -4.320.638 100%
2005 -14.266.518 69.71%
2006 -2.827.749 -404.52%
2007 -2.191.595 -29.03%
2008 -4.499.283 51.29%
2009 -707.169 -536.24%
2010 -595.791 -18.69%
2011 -490.759 -21.4%
2012 -719.728 31.81%
2013 -702.263 -2.49%
2014 -127.881 -449.15%
2015 1.942.192 106.58%
2016 -13.528.376 114.36%
2017 -658.468 -1954.52%
2018 -4.698.054 85.98%
2019 -2.555.407 -83.85%
2020 -4.793.588 46.69%
2021 -9.623.622 50.19%
2022 -137.077.568 92.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

IOUpay Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 -20
2000 -46 56.52%
2001 -75 38.67%
2002 -63 -19.05%
2003 0 0%
2004 -108 100%
2005 -310 65.16%
2006 -66 -376.92%
2007 -43 -54.76%
2008 -81 48.15%
2009 -12 -575%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

IOUpay Limited Free Cashflow
Year Free Cashflow Growth
1999 -501.601
2000 -1.271.734 60.56%
2001 -1.862.903 31.73%
2002 -512.949 -263.18%
2003 -3.026.923 83.05%
2004 -3.751.987 19.32%
2005 -2.221.937 -68.86%
2006 -2.228.285 0.28%
2007 -1.881.198 -18.45%
2008 -1.827.660 -2.93%
2009 -1.538.282 -18.81%
2010 -852.521 -80.44%
2011 -413.789 -106.03%
2012 -520.184 20.45%
2013 -536.349 3.01%
2014 -260.540 -105.86%
2015 1.459.870 117.85%
2016 -860.451 269.66%
2017 217.184 496.19%
2018 -567.027 138.3%
2019 -285.787 -98.41%
2020 -4.398.333 93.5%
2021 -21.769.943 79.8%
2022 -3.578.928 -508.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

IOUpay Limited Operating Cashflow
Year Operating Cashflow Growth
1999 0
2000 -380.369 100%
2001 -1.616.105 76.46%
2002 0 0%
2003 -2.681.828 100%
2004 -3.471.521 22.75%
2005 -2.173.505 -59.72%
2006 -2.227.975 2.44%
2007 -1.848.863 -20.51%
2008 -1.785.187 -3.57%
2009 -1.534.806 -16.31%
2010 -802.521 -91.25%
2011 -413.789 -93.94%
2012 -520.184 20.45%
2013 -536.349 3.01%
2014 153.531 449.34%
2015 1.925.742 92.03%
2016 319.071 -503.55%
2017 550.410 42.03%
2018 -252.670 317.84%
2019 81.437 410.26%
2020 -3.959.618 102.06%
2021 -21.215.384 81.34%
2022 -3.338.212 -535.53%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

IOUpay Limited Capital Expenditure
Year Capital Expenditure Growth
1999 501.601
2000 891.365 43.73%
2001 246.798 -261.17%
2002 512.949 51.89%
2003 345.095 -48.64%
2004 280.466 -23.04%
2005 48.432 -479.09%
2006 310 -15523.23%
2007 32.335 99.04%
2008 42.473 23.87%
2009 3.476 -1121.89%
2010 50.000 93.05%
2011 0 0%
2012 0 0%
2013 0 0%
2014 414.071 100%
2015 465.872 11.12%
2016 1.179.522 60.5%
2017 333.226 -253.97%
2018 314.357 -6%
2019 367.224 14.4%
2020 438.715 16.3%
2021 554.559 20.89%
2022 240.716 -130.38%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

IOUpay Limited Equity
Year Equity Growth
1999 20.092.832
2000 23.286.295 13.71%
2001 20.707.764 -12.45%
2002 21.532.444 3.83%
2003 22.761.558 5.4%
2004 18.440.920 -23.43%
2005 5.613.242 -228.53%
2006 3.695.388 -51.9%
2007 4.094.402 9.75%
2008 98.369 -4062.29%
2009 0 0%
2010 1.431.999 100%
2011 1.130.327 -26.69%
2012 396.849 -184.83%
2013 -472.614 183.97%
2014 18.441.286 102.56%
2015 20.401.456 9.61%
2016 8.323.295 -145.11%
2017 9.178.585 9.32%
2018 4.886.828 -87.82%
2019 2.519.998 -93.92%
2020 57.036.104 95.58%
2021 48.251.353 -18.21%
2022 11.831.867 -307.81%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

IOUpay Limited Assets
Year Assets Growth
1999 20.109.766
2000 23.460.696 14.28%
2001 21.001.462 -11.71%
2002 21.670.435 3.09%
2003 22.993.829 5.76%
2004 18.969.480 -21.21%
2005 6.050.237 -213.53%
2006 6.080.488 0.5%
2007 5.811.017 -4.64%
2008 5.053.963 -14.98%
2009 0 0%
2010 1.451.500 100%
2011 1.224.799 -18.51%
2012 605.017 -102.44%
2013 444.175 -36.21%
2014 22.675.743 98.04%
2015 22.226.272 -2.02%
2016 9.738.482 -128.23%
2017 12.038.347 19.1%
2018 6.259.699 -92.32%
2019 4.654.753 -34.48%
2020 59.785.878 92.21%
2021 51.735.789 -15.56%
2022 18.133.918 -185.3%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

IOUpay Limited Liabilities
Year Liabilities Growth
1999 16.934
2000 174.401 90.29%
2001 293.698 40.62%
2002 137.991 -112.84%
2003 232.271 40.59%
2004 528.560 56.06%
2005 436.995 -20.95%
2006 2.385.100 81.68%
2007 1.716.615 -38.94%
2008 4.955.594 65.36%
2009 0 0%
2010 19.501 100%
2011 94.472 79.36%
2012 208.168 54.62%
2013 916.789 77.29%
2014 4.234.457 78.35%
2015 1.824.816 -132.05%
2016 1.415.187 -28.95%
2017 2.859.762 50.51%
2018 1.372.871 -108.31%
2019 2.134.755 35.69%
2020 2.749.774 22.37%
2021 3.484.436 21.08%
2022 6.302.051 44.71%

IOUpay Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.02
Net Income per Share
-0.06
Price to Earning Ratio
-0.7x
Price To Sales Ratio
3.69x
POCF Ratio
-3.85
PFCF Ratio
-6.17
Price to Book Ratio
2.23
EV to Sales
3.74
EV Over EBITDA
-1.57
EV to Operating CashFlow
-6.48
EV to FreeCashFlow
-6.25
Earnings Yield
-1.42
FreeCashFlow Yield
-0.16
Market Cap
0,04 Bil.
Enterprise Value
0,04 Bil.
Graham Number
0.16
Graham NetNet
-0

Income Statement Metrics

Net Income per Share
-0.06
Income Quality
0.18
ROE
-1.06
Return On Assets
-2.06
Return On Capital Employed
-2.43
Net Income per EBT
0.96
EBT Per Ebit
1.34
Ebit per Revenue
-2.45
Effective Tax Rate
-0

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
-0.2
Operating Profit Margin
-2.45
Pretax Profit Margin
-3.27
Net Profit Margin
-3.15

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.01
Free CashFlow per Share
-0.01
Capex to Operating CashFlow
0.04
Capex to Revenue
-0.02
Capex to Depreciation
-0.84
Return on Invested Capital
-1.97
Return on Tangible Assets
-2.06
Days Sales Outstanding
46.41
Days Payables Outstanding
78.14
Days of Inventory on Hand
1.66
Receivables Turnover
7.86
Payables Turnover
4.67
Inventory Turnover
219.94
Capex per Share
-0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,02
Tangible Book Value per Share
0.02
Shareholders Equity per Share
0.02
Interest Debt per Share
0
Debt to Equity
0.22
Debt to Assets
0.15
Net Debt to EBITDA
-0.02
Current Ratio
0.69
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0.22
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
32371
Debt to Market Cap
0.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

IOUpay Limited Dividends
Year Dividends Growth

IOUpay Limited Profile

About IOUpay Limited

IOUpay Limited engages in the provision of fintech and digital commerce software and services that enable institutional customers to authenticate end-user customers and process banking, purchase, and payment transactions in Australia, Malaysia, Singapore, Indonesia, and Myanmar. It offers IOUpay mobile banking platform, which provides ready-to-use application services and digital banking basic architecture to facilitate the development of financial services applications; secure transaction messaging; and mobile backend as a service, a platform for building and enhancing multiplatform enterprise-grade apps. The company also provides IOUpay platform, which enables to process bill payments; prepaid or postpaid payment operator and payment processing; prepaid airtime, data, electricity, water, vehicle and health insurance, parking, student fees, and household rates and taxes; transfers and remittances; consumer loan payments; and buy now pay later instalments services under myIOU brand name. It serves banks, insurers, and telecommunication companies. The company was formerly known as iSentric Limited and changed its name to IOUpay Limited in October 2020. IOUpay Limited was incorporated in 2000 and is based in Millers Point, Australia.

CEO
Mr. Suan Yong Chin
Employee
57
Address
24-26 Kent Street
Millers Point, 2000

IOUpay Limited Executives & BODs

IOUpay Limited Executives & BODs
# Name Age
1 Mr. Suan Yong Chin
Chief Financial Officer
70
2 Mr. Daler Fayziev
Executive Director
70
3 Mr. James Stephen Barrie CPA
Company Secretary
70

IOUpay Limited Competitors