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PAY.L$556.00-3.64%
Fair $556.00+0.0%

PAY.L

PayPoint plc

Technology / Software - InfrastructureLSE

$556.00

-21.00 (-3.64%)

Fairly Valued+0.0%Fair Value $556.00Fund rank 30/100 · Data gapFallback financials|
SA 33/D
F-Score: 4/9
Margin Compression

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 25% · confianza 25%

FCF escenarios

weak_data · normalized FCF $16.0M · quality 57.0/100

Data gap 30/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 59/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

33/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Operating margin has declined for 3 consecutive years
Thesis & Journal · PAY.LLocal privado en este navegador · PayPoint plc
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$335M

P/E

22.2x

↑

EV/EBITDA

626.0x

↑

ROE

20.6%

↑

Gross Margin

43.9%

↑

Debt/Equity

1.13

↑
52-Week Range$556
$438$942

TradingView lightweight chart

PAY.L price, volumen y niveles de valoración

Último $556.00Periodo -73.3%
Fair value: $556.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+28.9%

FCF CAGR

-21.8%

FCF margin

1.8%

FCF / Net income

0.29x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $310.7M · net income $19.2M · FCF $5.6M

2022-FY → 2025-FY

Gross margin

43.9%-22.5% pts

Operating margin

16.9%-16.0% pts

Net margin

6.2%-41.7% pts

FCF margin

1.8%-6.3% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$310.7M$310.7M$306.4M$167.7M$145.1M
Net Income$19.2M$19.2M$35.7M$34.7M$69.5M
EBITDA$60.0M$60.0M$77.3M$55.8M$61.1M
EPS0.280.280.490.501.00
Gross Margin43.9%43.9%48.1%61.7%66.4%
Operating Margin16.9%16.9%19.8%30.3%32.8%
Net Margin6.2%6.2%11.6%20.7%47.9%
Balance Sheet
Debt/Equity1.131.130.820.900.62
Current Ratio1.001.00———
Cash Flow
Free Cash Flow$5.6M$5.6M$37.8M$16.0M$11.8M
Returns
ROE20.6%20.6%29.5%31.1%83.5%
Valuation
P/E22.2422.241060.021000.34631.40
EV/EBITDA626.03626.03489.82623.46718.39
P/B402.40402.40312.22311.04527.13
Growth & Yield
Revenue Growth1.4%1.4%82.7%15.6%—
EPS Growth-41.6%-41.6%-1.6%-50.5%—
Dividend Yield3.4%3.4%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

457.4%

muy exigente

EPS terminal req.

$49.34

Spread vs growth

-499.0%

5Y implied EPS CAGR

191.2%

muy exigente

EPS terminal req.

$59.70

Spread vs growth

-232.9%

10Y implied EPS CAGR

79.0%

muy exigente

EPS terminal req.

$96.14

Spread vs growth

-120.6%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -25.3%

Total return

-25.3%

Start / end P/E

1598.4x → 1951.4x

EPS bridge

0.49 → 0.28

Residual

-9.2%

EPS growth-41.6%
Multiple rerating+22.1%
Dividend+3.4%
Residual / FX / buybacks / cross-term-9.2%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.