PayPoint plc Logo

PayPoint plc

PAY.L

(2.0)
Stock Price

669,00 GBp

9.12% ROA

27.39% ROE

13.76x PER

Market Cap.

373.584.452,00 GBp

89.48% DER

7.26% Yield

13.92% NPM

PayPoint plc Stock Analysis

PayPoint plc 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.

PayPoint plc Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (56.56%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 DER

The stock has a reasonable amount of debt compared to its ownership (62%), suggesting a balanced financial position and a moderate level of risk.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 PBV

The stock's elevated P/BV ratio (4.42x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

7 Revenue Growth

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

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (28) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

PayPoint plc 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.

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

PayPoint plc 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.

PayPoint plc Revenue
Year Revenue Growth
2001 26.095.000
2002 50.312.000 48.13%
2003 67.132.000 25.06%
2004 89.054.000 24.62%
2005 119.968.000 25.77%
2006 157.068.000 23.62%
2007 212.145.000 25.96%
2008 224.351.000 5.44%
2009 196.603.000 -14.11%
2010 193.233.000 -1.74%
2011 200.029.000 3.4%
2012 208.526.000 4.07%
2013 212.158.000 1.71%
2014 218.495.000 2.9%
2015 212.556.000 -2.79%
2016 211.924.000 -0.3%
2017 213.515.000 0.75%
2018 211.576.000 -0.92%
2019 213.257.000 0.79%
2020 127.747.000 -66.94%
2021 145.144.000 11.99%
2022 182.876.000 20.63%

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.

PayPoint plc Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
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 3.712.000 100%
2019 4.264.000 12.95%
2020 1.093.000 -290.12%
2021 808.000 -35.27%
2022 700.000 -15.43%

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.

PayPoint plc General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 13.629.000 100%
2004 15.685.000 13.11%
2005 17.248.000 9.06%
2006 20.798.000 17.07%
2007 27.354.000 23.97%
2008 30.171.000 9.34%
2009 29.421.000 -2.55%
2010 34.614.000 15%
2011 39.385.000 12.11%
2012 47.670.000 17.38%
2013 52.696.000 9.54%
2014 56.892.000 7.38%
2015 55.689.000 -2.16%
2016 53.640.000 -3.82%
2017 46.489.000 -15.38%
2018 44.319.000 -4.9%
2019 46.648.000 4.99%
2020 43.578.000 -7.04%
2021 48.751.000 10.61%
2022 42.830.000 -13.82%

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.

PayPoint plc EBITDA
Year EBITDA Growth
2001 2.306.000
2002 10.551.000 78.14%
2003 8.423.000 -25.26%
2004 14.775.000 42.99%
2005 22.682.000 34.86%
2006 30.487.000 25.6%
2007 36.181.000 15.74%
2008 40.334.000 10.3%
2009 37.515.000 -7.51%
2010 38.211.000 1.82%
2011 40.566.000 5.81%
2012 45.400.000 10.65%
2013 51.258.000 11.43%
2014 56.186.000 8.77%
2015 7.025.000 -699.8%
2016 61.074.000 88.5%
2017 63.978.000 4.54%
2018 64.165.000 0.29%
2019 67.036.000 4.28%
2020 35.304.000 -89.88%
2021 58.250.000 39.39%
2022 60.780.000 4.16%

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.

PayPoint plc Gross Profit
Year Gross Profit Growth
2001 10.784.000
2002 20.679.000 47.85%
2003 19.801.000 -4.43%
2004 27.722.000 28.57%
2005 36.559.000 24.17%
2006 46.000.000 20.52%
2007 56.554.000 18.66%
2008 63.855.000 11.43%
2009 63.493.000 -0.57%
2010 70.666.000 10.15%
2011 78.251.000 9.69%
2012 89.650.000 12.72%
2013 96.974.000 7.55%
2014 105.080.000 7.71%
2015 106.017.000 0.88%
2016 105.916.000 -0.1%
2017 99.950.000 -5.97%
2018 98.273.000 -1.71%
2019 103.636.000 5.17%
2020 80.467.000 -28.79%
2021 96.419.000 16.54%
2022 107.566.000 10.36%

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.

PayPoint plc Net Profit
Year Net Profit Growth
2001 793.000
2002 8.300.000 90.45%
2003 6.020.000 -37.87%
2004 5.848.000 -2.94%
2005 16.907.000 65.41%
2006 18.738.000 9.77%
2007 20.980.000 10.69%
2008 23.784.000 11.79%
2009 22.132.000 -7.46%
2010 23.883.000 7.33%
2011 26.975.000 11.46%
2012 30.979.000 12.92%
2013 35.938.000 13.8%
2014 39.150.000 8.2%
2015 -2.111.000 1954.57%
2016 59.622.000 103.54%
2017 42.935.000 -38.87%
2018 44.432.000 3.37%
2019 45.668.000 2.71%
2020 21.531.000 -112.1%
2021 69.540.000 69.04%
2022 35.330.000 -96.83%

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.

PayPoint plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
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 1 0%
2014 1 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 100%
2022 1 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.

PayPoint plc Free Cashflow
Year Free Cashflow Growth
2001 -138.000
2002 1.719.000 108.03%
2003 10.634.000 83.83%
2004 12.588.000 15.52%
2005 7.814.000 -61.1%
2006 21.535.000 63.71%
2007 25.351.000 15.05%
2008 23.461.000 -8.06%
2009 22.286.000 -5.27%
2010 27.977.000 20.34%
2011 27.605.000 -1.35%
2012 30.360.000 9.07%
2013 34.091.000 10.94%
2014 34.820.000 2.09%
2015 50.795.000 31.45%
2016 24.766.000 -105.1%
2017 49.620.000 50.09%
2018 48.582.000 -2.14%
2019 43.073.000 -12.79%
2020 10.768.250 -300%
2020 43.406.000 75.19%
2021 11.740.000 -269.73%
2022 30.971.500 62.09%

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.

PayPoint plc Operating Cashflow
Year Operating Cashflow Growth
2001 1.095.000
2002 3.206.000 65.85%
2003 12.026.000 73.34%
2004 17.164.000 29.93%
2005 14.318.000 -19.88%
2006 28.181.000 49.19%
2007 30.870.000 8.71%
2008 32.619.000 5.36%
2009 24.986.000 -30.55%
2010 31.137.000 19.75%
2011 32.868.000 5.27%
2012 40.060.000 17.95%
2013 45.434.000 11.83%
2014 44.896.000 -1.2%
2015 59.014.000 23.92%
2016 42.217.000 -39.79%
2017 62.990.000 32.98%
2018 59.563.000 -5.75%
2019 51.481.000 -15.7%
2020 12.870.250 -300%
2020 55.438.000 76.78%
2021 22.552.000 -145.82%
2022 33.335.000 32.35%

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.

PayPoint plc Capital Expenditure
Year Capital Expenditure Growth
2001 1.233.000
2002 1.487.000 17.08%
2003 1.392.000 -6.82%
2004 4.576.000 69.58%
2005 6.504.000 29.64%
2006 6.646.000 2.14%
2007 5.519.000 -20.42%
2008 9.158.000 39.74%
2009 2.700.000 -239.19%
2010 3.160.000 14.56%
2011 5.263.000 39.96%
2012 9.700.000 45.74%
2013 11.343.000 14.48%
2014 10.076.000 -12.57%
2015 8.219.000 -22.59%
2016 17.451.000 52.9%
2017 13.370.000 -30.52%
2018 10.981.000 -21.76%
2019 8.408.000 -30.6%
2020 2.102.000 -300%
2020 12.032.000 82.53%
2021 10.812.000 -11.28%
2022 2.363.500 -357.46%

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.

PayPoint plc Equity
Year Equity Growth
2001 -7.799.000
2002 5.503.000 241.72%
2003 10.753.000 48.82%
2004 16.927.000 36.47%
2005 28.850.000 41.33%
2006 40.373.000 28.54%
2007 49.587.000 18.58%
2008 60.967.000 18.67%
2009 70.744.000 13.82%
2010 80.636.000 12.27%
2011 91.442.000 11.82%
2012 105.980.000 13.72%
2013 103.698.000 -2.2%
2014 115.472.000 10.2%
2015 87.977.000 -31.25%
2016 73.145.000 -20.28%
2017 61.293.000 -19.34%
2018 50.150.000 -22.22%
2019 38.330.000 -30.84%
2020 39.470.000 2.89%
2021 83.258.000 52.59%
2022 111.714.000 25.47%

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.

PayPoint plc Assets
Year Assets Growth
2001 13.829.000
2002 18.177.000 23.92%
2003 26.702.000 31.93%
2004 40.176.000 33.54%
2005 52.604.000 23.63%
2006 81.108.000 35.14%
2007 102.492.000 20.86%
2008 111.260.000 7.88%
2009 120.755.000 7.86%
2010 119.150.000 -1.35%
2011 133.200.300 10.55%
2012 328.204.000 59.42%
2013 293.786.000 -11.72%
2014 305.686.000 3.89%
2015 234.582.000 -30.31%
2016 199.833.000 -17.39%
2017 262.524.000 23.88%
2018 231.558.000 -13.37%
2019 257.987.000 10.24%
2020 291.088.000 11.37%
2021 232.133.000 -25.4%
2022 479.989.000 51.64%

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.

PayPoint plc Liabilities
Year Liabilities Growth
2001 21.628.000
2002 12.674.000 -70.65%
2003 15.949.000 20.53%
2004 23.249.000 31.4%
2005 23.754.000 2.13%
2006 40.735.000 41.69%
2007 52.905.000 23%
2008 50.293.000 -5.19%
2009 50.011.000 -0.56%
2010 38.555.000 -29.71%
2011 41.835.000 7.84%
2012 222.329.000 81.18%
2013 190.215.000 -16.88%
2014 190.344.000 0.07%
2015 146.719.000 -29.73%
2016 126.688.000 -15.81%
2017 201.231.000 37.04%
2018 181.408.000 -10.93%
2019 219.657.000 17.41%
2020 251.618.000 12.7%
2021 148.875.000 -69.01%
2022 368.275.000 59.58%

PayPoint plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.84
Net Income per Share
0.37
Price to Earning Ratio
13.76x
Price To Sales Ratio
2.89x
POCF Ratio
4.5
PFCF Ratio
5.06
Price to Book Ratio
3.23
EV to Sales
3.06
EV Over EBITDA
8.87
EV to Operating CashFlow
4.93
EV to FreeCashFlow
5.35
Earnings Yield
0.07
FreeCashFlow Yield
0.2
Market Cap
0,37 Bil.
Enterprise Value
0,40 Bil.
Graham Number
3.66
Graham NetNet
-3.4

Income Statement Metrics

Net Income per Share
0.37
Income Quality
3.06
ROE
0.25
Return On Assets
0.05
Return On Capital Employed
0.3
Net Income per EBT
0.79
EBT Per Ebit
0.8
Ebit per Revenue
0.22
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.26
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.51
Operating Profit Margin
0.22
Pretax Profit Margin
0.18
Net Profit Margin
0.14

Dividends

Dividend Yield
0.07
Dividend Yield %
7.26
Payout Ratio
0.72
Dividend Per Share
0.37

Operating Metrics

Operating Cashflow per Share
1.14
Free CashFlow per Share
1.05
Capex to Operating CashFlow
-0.08
Capex to Revenue
-0.05
Capex to Depreciation
-1.13
Return on Invested Capital
0.15
Return on Tangible Assets
0.09
Days Sales Outstanding
188.14
Days Payables Outstanding
924.76
Days of Inventory on Hand
22.58
Receivables Turnover
1.94
Payables Turnover
0.39
Inventory Turnover
16.17
Capex per Share
-0.09

Balance Sheet

Cash per Share
1,12
Book Value per Share
1,59
Tangible Book Value per Share
-1.16
Shareholders Equity per Share
1.59
Interest Debt per Share
1.43
Debt to Equity
0.89
Debt to Assets
0.21
Net Debt to EBITDA
0.48
Current Ratio
0.8
Tangible Asset Value
-0,08 Bil.
Net Current Asset Value
-0,12 Bil.
Invested Capital
0.89
Working Capital
-0,06 Bil.
Intangibles to Total Assets
0.4
Average Receivables
0,07 Bil.
Average Payables
0,19 Bil.
Average Inventory
3152000
Debt to Market Cap
0.27

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.

PayPoint plc Dividends
Year Dividends Growth
2005 8
2006 12 33.33%
2007 14 14.29%
2008 16 12.5%
2009 19 15.79%
2010 22 13.64%
2011 24 8.33%
2012 28 11.11%
2013 26 -3.85%
2014 36 27.78%
2015 40 10%
2016 33 -21.21%
2017 76 56%
2018 37 -108.33%
2019 37 0%
2020 33 -12.5%
2021 33 0%
2022 45 27.27%
2023 28 -62.96%

PayPoint plc Profile

About PayPoint plc

PayPoint plc provides payments and banking, shopping, and e-commerce services and products in the United Kingdom. It offers bill payment, digital bill payment, eMoney, and cash out services; and retail services comprising ATM, card payments, parcels, money transfer, SIM cards, EPoS, and receipt advertising. The company also provides MultiPay, an integrated solution that offers a suite of digital payments; and PayPoint One retail terminal. It serves consumers, SMEs, and convenience retailers in the commercial, not-for-profit, and public sectors. The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.

CEO
Mr. Nicholas Wiles
Employee
944
Address
1 The Boulevard
Welwyn Garden City, AL7 1EL

PayPoint plc Executives & BODs

PayPoint plc Executives & BODs
# Name Age
1 Mr. Nicholas Wiles
Chief Executive Officer, Member of Executive Board & Executive Director
70
2 Ms. Katy Wilde
Human Resources Director & Member of Executive Board
70
3 Ms. Tanya Murphy
General Counsel, Head of Compliance & Legal and Member of Executive Board
70
4 Ms. Anna Holness
Sales & Customer Life Cycle Director and Member of Executive Board
70
5 Mr. Steve O'Neill
Corporate Affairs & Marketing Director and Member of Executive Board
70
6 Mr. Simon Coles
Chief Technology Officer & Member of Executive Board
70
7 Mr. Rob Harding
Chief Financial Officer & Executive Director
70
8 Mr. Danny Vant
MD of Client Services & Member of Executive Board
70
9 Mr. Ben Ford
Customer Experience Director & Member of Executive Board
70
10 Mr. Mark Latham
Managing Director of Card Services & Member of Executive Board
70

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