PayPoint PLC is a United Kingdom-based company that provides consumer transaction services. The company's solutions help clients control household finances, essential payments, and in-store services. The company's operations involve processing high-volume transactions, managing retailers and clients, selling funds, and transmitting data. PayPoint's network covers convenience stores and numerous outlets, where clients can use the company's solutions to make energy meter prepayments, bill payments, benefit payments, mobile phone top-ups, cash withdrawals, and other services. Its operating segments are; PayPoint which derives key revenue, and Love2shop. The company generates the majority of its revenue from the UK.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.88
Equity-to-Asset	0.23
Debt-to-Equity	0.82
Debt-to-EBITDA	1.28
Interest Coverage	7.21
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.97	Distress Grey Safe
Beneish M-Score	-1.94	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	30.9
	3-Year EBITDA Growth Rate	32.7
	3-Year EPS without NRI Growth Rate	13.4
	3-Year FCF Growth Rate	-6.6
	3-Year Book Growth Rate	50.9
	Future 3-5Y EPS without NRI Growth Rate	12.43

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	9-Day RSI	99.59
	14-Day RSI	93.37
	6-1 Month Momentum %	1.67
	12-1 Month Momentum %	29.79

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.99
	Quick Ratio	0.97
	Cash Ratio	0.29
	Days Inventory	11.35
	Days Sales Outstanding	54.27
	Days Payable	577.51

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	6.4
	3-Year Average Share Buyback Ratio	-1.9
	Shareholder Yield %	-3.57

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	48.11
	Operating Margin %	19.78
	Net Margin %	11.65
	FCF Margin %	11.9
	ROE %	31.16
	ROA %	6.87
	ROIC %	16.97
	ROC (Joel Greenblatt) %	182
	ROCE %	28.58
	Years of Profitability over Past 10-Year	9

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.34
	Forward PE Ratio	6.82
	PE Ratio without NRI	11.18
	Shiller PE Ratio	10.38
	Price-to-Owner-Earnings	13.92
	PEG Ratio	4.3
	PS Ratio	1.68
	PB Ratio	4.2
	Price-to-Free-Cash-Flow	13.65
	Price-to-Operating-Cash-Flow	9.55
	EV-to-EBIT	9.16
	EV-to-EBITDA	6.71
	EV-to-Revenue	1.69
	EV-to-Forward-Revenue	3.56
	EV-to-FCF	13.72
	Price-to-Projected-FCF	1.18
	Price-to-Median-PS-Value	0.57
	Earnings Yield (Greenblatt) %	10.92
	FCF Yield %	7.46
	Forward Rate of Return (Yacktman) %	9.45

GF Value: $8.04

PYPTF

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