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PayPoint plc
PAY.L: LSELowest reading is at 52 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Nicholas Winston Braid Wiles
Market Cap
371.72 Million GBp
Sector
Technology
Website
https://www.paypoint.comLast Update
28/09/2026, 03:24:35
Description
PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom and New Zealand.
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Strongest readings
- ✔Return on capital employed of 28.14% is above the market average of 10.00%
- ✔Dividend growth averages 8.83% per year
- ✔Estimated fair value sits 65.66% above the current price
- ✔Price-to-earnings of 10.7 is below the market average of 19.6
- ✔Share count has been falling at 1.32% per year
Weakest readings
- ✘A high share of income is paid out as dividend (153.83%)
- ✘Debt is high at 1.88 times equity
- ✘Returns on capital have declined over five years (1.86% lower)
- ✘Short-term liabilities exceed short-term assets (current ratio 0.96)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 10.69x | 19.60x | |
| ✔ | Margin of safety (DCF) | 65.66% | 17.95% | |
| ✘ | Revenue growth (5y average) | 8.46% | 10.97% | |
| ✔ | Dividend yield (TTM) | 16.28% | 1.85% | |
| ✔ | Share count, per year | -1.32% | 0.00% | |
| ✔ | Return on capital employed | 28.14% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
98 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 10.69x | 19.60x | |
| ✔ | Free cashflow yield | 27.02% | 4.70% | |
| ✔ | Price / earnings growth | 0.09x | 1.50x | |
| Price / book | 490.19x | — | ||
| ✔ | Margin of safety | 65.66% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 1.05 Thousand GBp is above the current price of 632.00 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 25.9 GBp ✘
Current Price: 632 GBp
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
52 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 8.46% | 10.97% | |
| ✘ | Earnings growth | -2.00% | 14.48% | |
| ✔ | Cashflow growth | 136.85% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
54 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 1.21 | 3.00 | |
| ✔ | Piotroski score | 8.00 | 5.00 | |
| ✘ | Debt / equity | 1.88x | 0.80x | |
| ✘ | Current ratio | 0.96x | 1.00x | |
| ✔ | Interest coverage | 7.08x | 2.50x | |
| ✔ | Free cashflow / debt | 0.71x | 0.15x | |
| ✔ | Debt / capital | 0.65x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
49 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 16.28% | 1.85% | |
| ✔ | Dividend growth | 117.83% | 0.00% | |
| ✘ | Payout ratio (earnings) | 153.83% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 60.24% | 65.00% | |
| ✘ | Worst year, last 5 years | -5.35% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
74 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 51.87% | 15.00% | |
| ✔ | Return on capital employed | 28.14% | 10.00% | |
| Return on assets | 7.81% | — | ||
| Free cashflow return on capital | 43.75% | — | ||
| ✘ | Return on capital, 5y change | -1.86% | 0.00% | |
| ✔ | Share count, per year | -1.32% | 0.00% | |
| ✔ | Share count, recent | -11.66% | 0.00% | |
| ✘ | Realized buyback return | -23.13% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 30.91% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 98 out of 100
- ✘Dividends were raised while earnings fell (dividend 8.83% per year, earnings -2.00% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
PAY.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
PayPoint plc
Currency
GBp
Beta
0.359
Vol Avg
178718
Ceo
Mr. Nicholas Winston Braid Wiles
Cik
Cusip
Exchange
LSE
Full Time Employees
945
Industry
Software - Infrastructure
Sector
Technology
Ipo Date
Address
1 The Boulevard
City
Welwyn Garden City
State
Country
United Kingdom
Zip
AL7 1EL
Phone
44 1707 600 300
Analysis Last Updated
28/09/2026, 03:24:35
Financial data compiled from SEC EDGAR filings and Yahoo Finance.