Smartpay Holdings Limited Logo

Smartpay Holdings Limited

SPY.NZ

(2.8)
Stock Price

0,65 NZD

8.16% ROA

19.79% ROE

24.99x PER

Market Cap.

246.781.860,00 NZD

20.41% DER

0% Yield

8.11% NPM

Smartpay Holdings Limited Stock Analysis

Smartpay Holdings 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.

Smartpay Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (21.58%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 DER

The stock has a low debt to equity ratio (35%), which means it has a small amount of debt compared to the ownership it holds

4 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

6 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.

7 Buffet Intrinsic Value

The company's stock seems undervalued (28) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 PBV

The stock's elevated P/BV ratio (9.01x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

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 flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Smartpay Holdings 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.

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

Smartpay Holdings 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.

Smartpay Holdings Limited Revenue
Year Revenue Growth
1996 0
1997 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 10.730.000 100%
2003 12.654.000 15.2%
2004 12.615.000 -0.31%
2005 15.374.000 17.95%
2006 1.378.000 -1015.67%
2007 34.353.000 95.99%
2008 41.268.000 16.76%
2009 34.126.000 -20.93%
2010 39.390.000 13.36%
2011 47.348.000 16.81%
2012 28.946.000 -63.57%
2013 16.926.000 -71.02%
2014 22.799.000 25.76%
2015 22.133.000 -3.01%
2016 20.349.000 -8.77%
2017 20.881.000 2.55%
2018 20.333.000 -2.7%
2019 20.808.000 2.28%
2020 28.023.000 25.75%
2021 33.709.000 16.87%
2022 47.976.000 29.74%
2023 77.501.000 38.1%
2024 99.200.000 21.87%

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.

Smartpay Holdings Limited Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1999 0 0%
2000 0 0%
2001 0 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 1.844.000 100%
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%
2023 0 0%
2024 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.

Smartpay Holdings Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 0
1997 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 674.000 100%
2003 0 0%
2004 0 0%
2005 788.000 100%
2006 307.000 -156.68%
2007 1.616.000 81%
2008 152.000 -963.16%
2009 3.051.000 95.02%
2010 8.265.000 63.09%
2011 11.137.000 25.79%
2012 9.912.000 -12.36%
2013 8.458.000 -17.19%
2014 9.374.000 9.77%
2015 8.838.000 -6.06%
2016 8.049.000 -9.8%
2017 8.013.000 -0.45%
2018 6.941.000 -15.44%
2019 8.444.000 17.8%
2020 8.899.000 5.11%
2021 10.276.000 13.4%
2022 13.123.000 21.69%
2023 18.270.000 28.17%
2024 10.798.000 -69.2%

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.

Smartpay Holdings Limited EBITDA
Year EBITDA Growth
1996 1.802.000
1997 585.000 -208.03%
1999 -896.000 165.29%
2000 389.000 330.33%
2001 590.000 34.07%
2002 10.039.000 94.12%
2003 -651.000 1642.09%
2004 -1.154.000 43.59%
2005 503.000 329.42%
2006 -1.108.000 145.4%
2007 -698.000 -58.74%
2008 -1.693.000 58.77%
2009 -2.509.000 32.52%
2010 2.050.000 222.39%
2011 7.155.000 71.35%
2012 -1.954.000 466.17%
2013 5.116.000 138.19%
2014 8.684.000 41.09%
2015 8.999.000 3.5%
2016 8.611.000 -4.51%
2017 9.864.000 12.7%
2018 9.668.000 -2.03%
2019 6.584.000 -46.84%
2020 7.091.000 7.15%
2021 -5.075.000 239.72%
2022 11.307.000 144.88%
2023 17.472.000 35.29%
2024 13.600.000 -28.47%

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.

Smartpay Holdings Limited Gross Profit
Year Gross Profit Growth
1996 0
1997 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 10.730.000 100%
2003 12.654.000 15.2%
2004 12.615.000 -0.31%
2005 15.374.000 17.95%
2006 1.378.000 -1015.67%
2007 1.362.000 -1.17%
2008 1.918.000 28.99%
2009 1.748.000 -9.73%
2010 11.071.000 84.21%
2011 20.597.000 46.25%
2012 9.728.000 -111.73%
2013 14.676.000 33.71%
2014 21.386.000 31.38%
2015 20.664.000 -3.49%
2016 18.865.000 -9.54%
2017 20.440.000 7.71%
2018 19.473.000 -4.97%
2019 18.640.000 -4.47%
2020 20.830.000 10.51%
2021 22.867.000 8.91%
2022 31.507.000 27.42%
2023 48.037.000 34.41%
2024 30.136.000 -59.4%

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.

Smartpay Holdings Limited Net Profit
Year Net Profit Growth
1996 672.000
1997 143.000 -369.93%
1999 -412.000 134.71%
2000 59.000 798.31%
2001 225.000 73.78%
2002 -4.659.000 104.83%
2003 -651.000 -615.67%
2004 -1.647.000 60.47%
2005 14.000 11864.29%
2006 -1.197.000 101.17%
2007 -1.492.000 19.77%
2008 -2.576.000 42.08%
2009 -3.419.000 24.66%
2010 -2.646.000 -29.21%
2011 107.000 2572.9%
2012 -12.095.000 100.88%
2013 -5.901.000 -104.97%
2014 1.736.000 439.92%
2015 1.570.000 -10.57%
2016 215.000 -630.23%
2017 2.203.000 90.24%
2018 2.524.000 12.72%
2019 -1.828.000 238.07%
2020 -4.472.000 59.12%
2021 -15.200.000 70.58%
2022 3.104.000 589.69%
2023 8.458.000 63.3%
2024 11.538.000 26.69%

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.

Smartpay Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 -3 100%
2003 0 0%
2004 -1 0%
2005 0 0%
2006 -1 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 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 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.

Smartpay Holdings Limited Free Cashflow
Year Free Cashflow Growth
1999 -322.000
2000 -93.000 -246.24%
2001 -153.000 39.22%
2002 -20.000 -665%
2003 -96.000 79.17%
2004 -228.000 57.89%
2005 -98.000 -132.65%
2006 -2.000 -4800%
2007 -991.000 99.8%
2008 -525.000 -88.76%
2009 -1.077.000 51.25%
2010 -1.288.000 16.38%
2011 -1.518.000 15.15%
2012 -451.000 -236.59%
2013 -3.966.000 88.63%
2014 3.078.000 228.85%
2015 780.000 -294.62%
2016 -2.760.000 128.26%
2017 -537.000 -413.97%
2018 1.238.000 143.38%
2019 -2.900.000 142.69%
2020 1.054.000 375.14%
2021 2.714.000 61.16%
2022 3.292.000 17.56%
2023 6.714.000 50.97%
2024 2.039.500 -229.2%

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.

Smartpay Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
1999 0
2000 0 0%
2001 0 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 -1.464.000 100%
2014 7.142.000 120.5%
2015 6.276.000 -13.8%
2016 5.773.000 -8.71%
2017 6.380.000 9.51%
2018 8.898.000 28.3%
2019 5.464.000 -62.85%
2020 6.475.000 15.61%
2021 8.615.000 24.84%
2022 11.797.000 26.97%
2023 18.566.000 36.46%
2024 5.224.500 -255.36%

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.

Smartpay Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
1999 322.000
2000 93.000 -246.24%
2001 153.000 39.22%
2002 20.000 -665%
2003 96.000 79.17%
2004 228.000 57.89%
2005 98.000 -132.65%
2006 2.000 -4800%
2007 991.000 99.8%
2008 525.000 -88.76%
2009 1.077.000 51.25%
2010 1.288.000 16.38%
2011 1.518.000 15.15%
2012 451.000 -236.59%
2013 2.502.000 81.97%
2014 4.064.000 38.44%
2015 5.496.000 26.06%
2016 8.533.000 35.59%
2017 6.917.000 -23.36%
2018 7.660.000 9.7%
2019 8.364.000 8.42%
2020 5.421.000 -54.29%
2021 5.901.000 8.13%
2022 8.505.000 30.62%
2023 11.852.000 28.24%
2024 3.185.000 -272.12%

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.

Smartpay Holdings Limited Equity
Year Equity Growth
1996 0
1997 10.039.000 100%
1999 16.479.000 39.08%
2000 14.122.000 -16.69%
2001 13.031.000 -8.37%
2002 4.705.000 -176.96%
2003 5.719.000 17.73%
2004 4.095.000 -39.66%
2005 4.291.000 4.57%
2006 3.160.000 -35.79%
2007 4.034.000 21.67%
2008 5.745.000 29.78%
2009 6.197.000 7.29%
2010 9.359.000 33.79%
2011 17.435.000 46.32%
2012 8.476.000 -105.7%
2013 6.863.000 -23.5%
2014 9.691.000 29.18%
2015 11.427.000 15.19%
2016 11.484.000 0.5%
2017 13.609.000 15.61%
2018 16.015.000 15.02%
2019 13.647.000 -17.35%
2020 10.213.000 -33.62%
2021 27.534.000 62.91%
2022 36.072.000 23.67%
2023 42.305.000 14.73%
2024 52.396.000 19.26%

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.

Smartpay Holdings Limited Assets
Year Assets Growth
1996 0
1997 0 0%
1999 18.708.000 100%
2000 16.603.000 -12.68%
2001 16.139.000 -2.88%
2002 5.890.000 -174.01%
2003 7.808.000 24.56%
2004 7.560.000 -3.28%
2005 5.393.000 -40.18%
2006 3.380.000 -59.56%
2007 10.234.000 66.97%
2008 14.526.000 29.55%
2009 13.652.000 -6.4%
2010 31.840.000 57.12%
2011 46.681.000 31.79%
2012 43.881.000 -6.38%
2013 40.791.000 -7.58%
2014 40.606.000 -0.46%
2015 42.146.000 3.65%
2016 43.832.000 3.85%
2017 44.630.000 1.79%
2018 46.524.000 4.07%
2019 55.109.000 15.58%
2020 46.401.000 -18.77%
2021 57.856.000 19.8%
2022 70.578.000 18.03%
2023 88.270.000 20.04%
2024 151.576.000 41.77%

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.

Smartpay Holdings Limited Liabilities
Year Liabilities Growth
1996 0
1997 0 0%
1999 2.229.000 100%
2000 2.481.000 10.16%
2001 3.108.000 20.17%
2002 1.185.000 -162.28%
2003 2.089.000 43.27%
2004 3.465.000 39.71%
2005 1.102.000 -214.43%
2006 220.000 -400.91%
2007 6.200.000 96.45%
2008 8.781.000 29.39%
2009 7.455.000 -17.79%
2010 22.481.000 66.84%
2011 29.246.000 23.13%
2012 35.405.000 17.4%
2013 33.928.000 -4.35%
2014 30.915.000 -9.75%
2015 30.719.000 -0.64%
2016 32.348.000 5.04%
2017 31.021.000 -4.28%
2018 30.509.000 -1.68%
2019 41.462.000 26.42%
2020 36.188.000 -14.57%
2021 30.322.000 -19.35%
2022 34.506.000 12.13%
2023 45.965.000 24.93%
2024 99.180.000 53.65%

Smartpay Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.5
Net Income per Share
0.04
Price to Earning Ratio
24.99x
Price To Sales Ratio
2.06x
POCF Ratio
10.16
PFCF Ratio
33.14
Price to Book Ratio
4.64
EV to Sales
2.02
EV Over EBITDA
11.68
EV to Operating CashFlow
10.14
EV to FreeCashFlow
32.57
Earnings Yield
0.04
FreeCashFlow Yield
0.03
Market Cap
0,25 Bil.
Enterprise Value
0,24 Bil.
Graham Number
0.45
Graham NetNet
-0.14

Income Statement Metrics

Net Income per Share
0.04
Income Quality
2.46
ROE
0.2
Return On Assets
0.06
Return On Capital Employed
0.18
Net Income per EBT
0.91
EBT Per Ebit
0.87
Ebit per Revenue
0.1
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.26
Operating Profit Margin
0.1
Pretax Profit Margin
0.09
Net Profit Margin
0.08

Dividends

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

Operating Metrics

Operating Cashflow per Share
0.1
Free CashFlow per Share
0.03
Capex to Operating CashFlow
0.69
Capex to Revenue
0.14
Capex to Depreciation
1.64
Return on Invested Capital
0.15
Return on Tangible Assets
0.08
Days Sales Outstanding
183.83
Days Payables Outstanding
326.89
Days of Inventory on Hand
-0.04
Receivables Turnover
1.99
Payables Turnover
1.12
Inventory Turnover
-9854.94
Capex per Share
0.07

Balance Sheet

Cash per Share
0,08
Book Value per Share
0,22
Tangible Book Value per Share
0.08
Shareholders Equity per Share
0.22
Interest Debt per Share
0.05
Debt to Equity
0.2
Debt to Assets
0.07
Net Debt to EBITDA
-0.2
Current Ratio
1
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,02 Bil.
Invested Capital
64241000
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.21
Average Receivables
0,03 Bil.
Average Payables
0,04 Bil.
Average Inventory
-9000
Debt to Market Cap
0.04

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.

Smartpay Holdings Limited Dividends
Year Dividends Growth

Smartpay Holdings Limited Profile

About Smartpay Holdings Limited

Smartpay Holdings Limited designs, develops, and implements technology products, services, and software to merchants and retailers in New Zealand and Australia. It provides payment and data management solutions for retail, business payment, and transactional processing requirements. The company also engages in selling Eftpos terminals; and provides hardware, software, and maintenance and repairs services. The company serves 25,000 merchants with approximately 35,000 EFTPOS terminals. It serves retail, trade, taxi and transport, charities and schools, hospitality, and tourism industries. The company was incorporated in 1986 and is based in Auckland, New Zealand.

CEO
Mr. Martyn Richard Pomeroy
Employee
179
Address
205-209 Wairau Road
Auckland, 0627

Smartpay Holdings Limited Executives & BODs

Smartpay Holdings Limited Executives & BODs
# Name Age
1 Mr. Martyn Richard Pomeroy
Chief Executive Officer, MD & Executive Director
70
2 Ms. Cherise Leanne Barrie
Chief Financial Officer
70
3 Arron Patterson
Chief Technology Officer
70
4 Mr. Peter Thomas
Chief Marketing & Product Officer
70
5 Mr. Aidan Murphy
Chief Business Officer
70
6 Mr. Gustavo Herrera
Head of Engineering
70
7 Ms. Gillian De Noir
Head of Operations Australia
70
8 Mr. Gerard Yeteria
Head of Sales of Australia
70
9 Mr. Sean Kaplan
Head of Business Development of Australia
70
10 Mr. Daniel Richardson
Head of Information Technology
70

Smartpay Holdings Limited Competitors