Smartpay Holdings Limited Logo

Smartpay Holdings Limited

SPY.NZ

(2.8)
Stock Price

1,10 NZD

14.05% ROA

27.4% ROE

43.1x PER

Market Cap.

364.576.038,00 NZD

35.11% DER

0% Yield

9.02% 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
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 10.730.000 100%
2002 12.654.000 15.2%
2003 12.615.000 -0.31%
2004 15.374.000 17.95%
2005 1.378.000 -1015.67%
2006 34.353.000 95.99%
2007 41.268.000 16.76%
2008 34.126.000 -20.93%
2009 39.390.000 13.36%
2010 47.348.000 16.81%
2011 28.946.000 -63.57%
2012 16.926.000 -71.02%
2013 22.799.000 25.76%
2014 22.133.000 -3.01%
2015 20.349.000 -8.77%
2016 20.881.000 2.55%
2017 20.333.000 -2.7%
2018 20.808.000 2.28%
2019 28.023.000 25.75%
2020 33.709.000 16.87%
2021 47.976.000 29.74%
2022 77.501.000 38.1%

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
1995 0
1996 0 0%
1998 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 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%

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
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 674.000 100%
2002 0 0%
2003 0 0%
2004 788.000 100%
2005 307.000 -156.68%
2006 1.616.000 81%
2007 152.000 -963.16%
2008 3.051.000 95.02%
2009 8.265.000 63.09%
2010 11.137.000 25.79%
2011 9.912.000 -12.36%
2012 8.458.000 -17.19%
2013 9.374.000 9.77%
2014 8.838.000 -6.06%
2015 8.049.000 -9.8%
2016 8.013.000 -0.45%
2017 6.941.000 -15.44%
2018 8.444.000 17.8%
2019 8.899.000 5.11%
2020 10.276.000 13.4%
2021 13.123.000 21.69%
2022 18.270.000 28.17%

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
1995 1.802.000
1996 585.000 -208.03%
1998 -896.000 165.29%
1999 389.000 330.33%
2000 590.000 34.07%
2001 10.039.000 94.12%
2002 -651.000 1642.09%
2003 -1.154.000 43.59%
2004 503.000 329.42%
2005 -1.108.000 145.4%
2006 -698.000 -58.74%
2007 -1.693.000 58.77%
2008 -2.509.000 32.52%
2009 2.050.000 222.39%
2010 7.155.000 71.35%
2011 -1.954.000 466.17%
2012 5.116.000 138.19%
2013 8.684.000 41.09%
2014 8.999.000 3.5%
2015 8.611.000 -4.51%
2016 9.864.000 12.7%
2017 9.668.000 -2.03%
2018 6.584.000 -46.84%
2019 7.091.000 7.15%
2020 -5.075.000 239.72%
2021 11.307.000 144.88%
2022 17.472.000 35.29%

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
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 10.730.000 100%
2002 12.654.000 15.2%
2003 12.615.000 -0.31%
2004 15.374.000 17.95%
2005 1.378.000 -1015.67%
2006 1.362.000 -1.17%
2007 1.918.000 28.99%
2008 1.748.000 -9.73%
2009 11.071.000 84.21%
2010 20.597.000 46.25%
2011 9.728.000 -111.73%
2012 14.676.000 33.71%
2013 21.386.000 31.38%
2014 20.664.000 -3.49%
2015 18.865.000 -9.54%
2016 20.440.000 7.71%
2017 19.473.000 -4.97%
2018 18.640.000 -4.47%
2019 20.830.000 10.51%
2020 22.867.000 8.91%
2021 31.507.000 27.42%
2022 48.037.000 34.41%

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
1995 672.000
1996 143.000 -369.93%
1998 -412.000 134.71%
1999 59.000 798.31%
2000 225.000 73.78%
2001 -4.659.000 104.83%
2002 -651.000 -615.67%
2003 -1.647.000 60.47%
2004 14.000 11864.29%
2005 -1.197.000 101.17%
2006 -1.492.000 19.77%
2007 -2.576.000 42.08%
2008 -3.419.000 24.66%
2009 -2.646.000 -29.21%
2010 107.000 2572.9%
2011 -12.095.000 100.88%
2012 -5.901.000 -104.97%
2013 1.736.000 439.92%
2014 1.570.000 -10.57%
2015 215.000 -630.23%
2016 2.203.000 90.24%
2017 2.524.000 12.72%
2018 -1.828.000 238.07%
2019 -4.472.000 59.12%
2020 -15.200.000 70.58%
2021 3.104.000 589.69%
2022 8.458.000 63.3%

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
1995 1
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 -3 100%
2002 0 0%
2003 -1 0%
2004 0 0%
2005 -1 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 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.

Smartpay Holdings Limited Free Cashflow
Year Free Cashflow Growth
1998 -322.000
1999 -93.000 -246.24%
2000 -153.000 39.22%
2001 -20.000 -665%
2002 -96.000 79.17%
2003 -228.000 57.89%
2004 -98.000 -132.65%
2005 -2.000 -4800%
2006 -991.000 99.8%
2007 -525.000 -88.76%
2008 -1.077.000 51.25%
2009 -1.288.000 16.38%
2010 -1.518.000 15.15%
2011 -451.000 -236.59%
2012 -2.502.000 81.97%
2013 -4.064.000 38.44%
2014 -5.496.000 26.06%
2015 -8.533.000 35.59%
2016 -6.917.000 -23.36%
2017 -7.660.000 9.7%
2018 -8.364.000 8.42%
2019 -5.421.000 -54.29%
2020 -5.901.000 8.13%
2021 -8.505.000 30.62%
2022 -11.852.000 28.24%

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
1998 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 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%

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
1998 322.000
1999 93.000 -246.24%
2000 153.000 39.22%
2001 20.000 -665%
2002 96.000 79.17%
2003 228.000 57.89%
2004 98.000 -132.65%
2005 2.000 -4800%
2006 991.000 99.8%
2007 525.000 -88.76%
2008 1.077.000 51.25%
2009 1.288.000 16.38%
2010 1.518.000 15.15%
2011 451.000 -236.59%
2012 2.502.000 81.97%
2013 4.064.000 38.44%
2014 5.496.000 26.06%
2015 8.533.000 35.59%
2016 6.917.000 -23.36%
2017 7.660.000 9.7%
2018 8.364.000 8.42%
2019 5.421.000 -54.29%
2020 5.901.000 8.13%
2021 8.505.000 30.62%
2022 11.852.000 28.24%

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
1995 0
1996 10.039.000 100%
1998 16.479.000 39.08%
1999 14.122.000 -16.69%
2000 13.031.000 -8.37%
2001 4.705.000 -176.96%
2002 5.719.000 17.73%
2003 4.095.000 -39.66%
2004 4.291.000 4.57%
2005 3.160.000 -35.79%
2006 4.034.000 21.67%
2007 5.745.000 29.78%
2008 6.197.000 7.29%
2009 9.359.000 33.79%
2010 17.435.000 46.32%
2011 8.476.000 -105.7%
2012 6.863.000 -23.5%
2013 9.691.000 29.18%
2014 11.427.000 15.19%
2015 11.484.000 0.5%
2016 13.609.000 15.61%
2017 16.015.000 15.02%
2018 13.647.000 -17.35%
2019 10.213.000 -33.62%
2020 27.534.000 62.91%
2021 36.072.000 23.67%
2022 42.305.000 14.73%

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
1995 0
1996 0 0%
1998 18.708.000 100%
1999 16.603.000 -12.68%
2000 16.139.000 -2.88%
2001 5.890.000 -174.01%
2002 7.808.000 24.56%
2003 7.560.000 -3.28%
2004 5.393.000 -40.18%
2005 3.380.000 -59.56%
2006 10.234.000 66.97%
2007 14.526.000 29.55%
2008 13.652.000 -6.4%
2009 31.840.000 57.12%
2010 46.681.000 31.79%
2011 43.881.000 -6.38%
2012 40.791.000 -7.58%
2013 40.606.000 -0.46%
2014 42.146.000 3.65%
2015 43.832.000 3.85%
2016 44.630.000 1.79%
2017 46.524.000 4.07%
2018 55.109.000 15.58%
2019 46.401.000 -18.77%
2020 57.856.000 19.8%
2021 70.578.000 18.03%
2022 88.270.000 20.04%

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
1995 0
1996 0 0%
1998 2.229.000 100%
1999 2.481.000 10.16%
2000 3.108.000 20.17%
2001 1.185.000 -162.28%
2002 2.089.000 43.27%
2003 3.465.000 39.71%
2004 1.102.000 -214.43%
2005 220.000 -400.91%
2006 6.200.000 96.45%
2007 8.781.000 29.39%
2008 7.455.000 -17.79%
2009 22.481.000 66.84%
2010 29.246.000 23.13%
2011 35.405.000 17.4%
2012 33.928.000 -4.35%
2013 30.915.000 -9.75%
2014 30.719.000 -0.64%
2015 32.348.000 5.04%
2016 31.021.000 -4.28%
2017 30.509.000 -1.68%
2018 41.462.000 26.42%
2019 36.188.000 -14.57%
2020 30.322.000 -19.35%
2021 34.506.000 12.13%
2022 45.965.000 24.93%

Smartpay Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.33
Net Income per Share
0.04
Price to Earning Ratio
43.1x
Price To Sales Ratio
4.7x
POCF Ratio
0
PFCF Ratio
-30.76
Price to Book Ratio
8.62
EV to Sales
4.64
EV Over EBITDA
20.6
EV to Operating CashFlow
0
EV to FreeCashFlow
-30.37
Earnings Yield
0.02
FreeCashFlow Yield
-0.03
Market Cap
0,36 Bil.
Enterprise Value
0,36 Bil.
Graham Number
0.38
Graham NetNet
-0.06

Income Statement Metrics

Net Income per Share
0.04
Income Quality
0
ROE
0.22
Return On Assets
0.11
Return On Capital Employed
0.24
Net Income per EBT
0.93
EBT Per Ebit
0.89
Ebit per Revenue
0.11
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.24
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.27
Operating Profit Margin
0.11
Pretax Profit Margin
0.1
Net Profit Margin
0.09

Dividends

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

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
-0.05
Capex to Operating CashFlow
0
Capex to Revenue
-0.15
Capex to Depreciation
0
Return on Invested Capital
0.16
Return on Tangible Assets
0.14
Days Sales Outstanding
70.83
Days Payables Outstanding
59.4
Days of Inventory on Hand
0
Receivables Turnover
5.15
Payables Turnover
6.14
Inventory Turnover
0
Capex per Share
-0.05

Balance Sheet

Cash per Share
0,08
Book Value per Share
0,18
Tangible Book Value per Share
0.06
Shareholders Equity per Share
0.18
Interest Debt per Share
0.06
Debt to Equity
0.35
Debt to Assets
0.17
Net Debt to EBITDA
-0.26
Current Ratio
1.07
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
0.35
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.32
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
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. Daniel Richardson
Head of Information Technology
70
2 Mr. Gerard Yeteria
Head of Sales of Australia
70
3 Mr. Sean Kaplan
Head of Business Development of Australia
70
4 Mr. Aidan Murphy
Chief Business Officer
70
5 Lucy Williams
Chief Customer Officer
70
6 Mr. Martyn Richard Pomeroy
Chief Executive Officer, MD & Executive Director
70
7 Ms. Cherise Leanne Barrie
Chief Financial Officer
70
8 Mr. Peter Thomas
Chief Marketing & Product Officer
70
9 Mr. Gustavo Herrera
Head of Engineering
70
10 Ms. Gillian De Noir
Head of Operations Australia
70

Smartpay Holdings Limited Competitors