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PayPoint plc (PAY.L)
GBp608.50
+13.50 (+2.27%)
GB LSE Technology Software - Infrastructure
Address
1 The Boulevard AL7 1EL
Welwyn Garden City, GB
Welwyn Garden City, GB
CEO
Nicholas Wiles
Website
paypoint.com
IPO
2004-06-18
ISIN GB00BVMTNR93
Also trades on
London Stock Exchange · PAY.L (GBp)
Other OTC · PYPTF (USD)
Description
PayPoint plc, established in 1996 and based in Welwyn Garden City, UK, specializes in furnishing a diverse array of payment, banking, shopping, and e-commerce solutions across the United Kingdom. Its comprehensive offerings include critical financial services such as traditional and digital bill payment processing, electronic money facilities, and cash withdrawal options. For retailers, the company provides essential operational support with features like ATM access, card payment systems, parcel services, international money transfers, SIM card sales, advanced electronic point-of-sale (EPoS) systems, and receipt advertising. Key proprietary developments include MultiPay, an integrated platform designed for a broad spectrum of digital payments, and the specialized PayPoint One retail terminal. PayPoint's services cater to a wide clientele, encompassing individual consumers, small and medium-sized enterprises (SMEs), and convenience retailers operating within the commercial, not-for-profit, and public sectors.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp608.50
+13.50 (+2.27%)
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Volume Profile
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Liquidity & share structure
Average Volume
191.3K
Beta
0.37
Float Shares
39.79M
Free Float %
66.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.92% | +6.28% | -1.44% | +6.09% | +27.68% | +23.23% | -33.09% | +18.64% | -9.32% | -42.76% | -71.95% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
608.50
DCF (Unlevered)
6,059.38
+895.8%
DCF (Levered)
6,409.47
+953.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
67% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
Quality scores
Altman Z-Score
2.46
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
★ Strong MOAT
-
Revenue growth Software - Infrastructure: +13.7%+8.5% Q1'26: +196.3% (vs Q2'24)
-
EPS growth Software - Infrastructure: +28.7%+123.1% ★ Q1'26: +216.7% (vs Q2'24)
-
FCF margin FCF growth · Software - Infrastructure: +32.2%+15.5% ★ Q1'26: -22.9% (vs Q2'24)
-
EBIT margin Software - Infrastructure: +8.8%+21.3% ★ Q1'26: +23.3% (vs Q2'24)
-
ROIC Software - Infrastructure: +6.6%+78.4% ★ Q1'26: +194.9% (vs Q2'24)
-
Share dilution Software - Infrastructure: +0.0%-7.8% ★ Q1'26: -11.3% (vs Q2'24)
-
Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×1.55× Q1'26: 0.65× (vs Q2'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2005 actual |
Mar 2006 actual |
Mar 2007 actual |
Mar 2008 actual |
Mar 2009 actual |
Mar 2010 actual |
Mar 2011 actual |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
89.05M
est: 62.47M (+42.5%)
|
119.97M
est: 118.28M (+1.4%)
|
157.07M
est: 158.27M (-0.8%)
|
212.15M
est: 221.49M (-4.2%)
|
224.35M
est: 234.88M (-4.5%)
|
196.60M
est: 179.01M (+9.8%)
|
193.23M
est: 197.54M (-2.2%)
|
200.03M
est: 203.52M (-1.7%)
|
208.53M
est: 102.55M (+103.3%)
|
212.16M
est: 116.79M (+81.7%)
|
218.50M
est: 122.10M (+78.9%)
|
212.56M
est: 124.12M (+71.2%)
|
211.92M
est: 117.79M (+79.9%)
|
213.52M
est: 120.51M (+77.2%)
|
211.58M
est: 120.16M (+76.1%)
|
144.29M
est: 120.62M (+19.6%)
|
127.75M
est: 97.83M (+30.6%)
|
145.14M
est: 116.53M (+24.6%)
|
167.72M
est: 125.29M (+33.9%)
|
306.37M
est: 178.97M (+71.2%)
|
310.71M
est: 192.04M (+61.8%)
|
191.33M
191.33M – 191.33M
-0.4% YoY
|
199.13M
199.13M – 199.13M
+4.1% YoY
|
213.02M
206.01M – 220.03M
+7.0% YoY
|
202.00M
202.00M – 202.00M
-5.2% YoY
|
| EBITDA |
10.20M
est: 17.97M (-43.2%)
|
22.68M
est: 19.69M (+15.2%)
|
30.41M
est: 31.61M (-3.8%)
|
36.12M
est: 44.58M (-19.0%)
|
40.30M
est: 39.58M (+1.8%)
|
39.12M
est: 31.63M (+23.7%)
|
38.21M
est: 39.75M (-3.9%)
|
42.36M
est: 37.63M (+12.6%)
|
45.87M
est: 19.62M (+133.8%)
|
48.83M
est: 50.88M (-4.0%)
|
53.57M
est: 55.98M (-4.3%)
|
55.03M
est: 57.83M (-4.8%)
|
59.75M
est: 13.56M (+340.7%)
|
63.46M
est: 78.21M (-18.9%)
|
65.09M
est: 62.41M (+4.3%)
|
59.33M
est: 64.92M (-8.6%)
|
30.57M
est: 60.07M (-49.1%)
|
61.13M
est: 66.44M (-8.0%)
|
55.71M
est: 65.65M (-15.1%)
|
77.26M
est: 67.01M (+15.3%)
|
60.03M
est: 55.51M (+8.1%)
|
55.03M
55.03M – 55.03M
-0.9% YoY
|
57.27M
57.27M – 57.27M
+4.1% YoY
|
61.27M
59.25M – 63.28M
+7.0% YoY
|
58.10M
58.10M – 58.10M
-5.2% YoY
|
| EBIT |
8.21M
est: 13.56M (-39.5%)
|
20.36M
est: 14.20M (+43.4%)
|
26.67M
est: 25.83M (+3.3%)
|
30.46M
est: 35.32M (-13.7%)
|
34.64M
est: 30.96M (+11.9%)
|
32.70M
est: 25.46M (+28.4%)
|
34.60M
est: 37.63M (-8.1%)
|
37.23M
est: 37.19M (+0.1%)
|
41.98M
est: 19.60M (+114.2%)
|
44.28M
est: 47.83M (-7.4%)
|
48.19M
est: 46.82M (+2.9%)
|
50.33M
est: 48.41M (+4.0%)
|
52.28M
est: 8.20M (+537.6%)
|
53.46M
est: 68.29M (-21.7%)
|
53.95M
est: 53.00M (+1.8%)
|
50.61M
est: 55.37M (-8.6%)
|
21.85M
est: 51.77M (-57.8%)
|
50.56M
est: 57.26M (-11.7%)
|
45.29M
est: 56.58M (-19.9%)
|
56.59M
est: 57.74M (-2.0%)
|
34.74M
est: 41.91M (-17.1%)
|
41.54M
41.54M – 41.54M
-0.9% YoY
|
43.24M
43.24M – 43.24M
+4.1% YoY
|
46.25M
44.73M – 47.78M
+7.0% YoY
|
43.86M
43.86M – 43.86M
-5.2% YoY
|
| Net Income |
5.85M
est: 10.92M (-46.4%)
|
16.91M
est: 10.98M (+54.0%)
|
18.74M
est: 22.61M (-17.1%)
|
20.98M
est: 26.21M (-19.9%)
|
23.78M
est: 22.27M (+6.8%)
|
22.13M
est: 18.14M (+22.0%)
|
23.88M
est: 24.39M (-2.1%)
|
26.98M
est: 24.62M (+9.5%)
|
30.98M
est: 13.60M (+127.7%)
|
35.94M
est: 35.31M (+1.8%)
|
39.15M
est: 37.94M (+3.2%)
|
-2.11M
est: 39.33M (-105.4%)
|
59.62M
est: -2.07M (+2,978.7%)
|
42.94M
est: 59.93M (-28.4%)
|
44.43M
est: 42.57M (+4.4%)
|
45.67M
est: 44.83M (+1.9%)
|
22.34M
est: 41.49M (-46.1%)
|
39.68M
est: 45.89M (-13.5%)
|
34.71M
est: 45.34M (-23.4%)
|
35.69M
est: 35.69M (+0.0%)
|
19.19M
est: 52.81M (-63.7%)
|
54.30M
53.39M – 57.40M
+2.8% YoY
|
60.49M
57.66M – 63.33M
+11.4% YoY
|
67.93M
67.93M – 67.93M
+12.3% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
15.69M
est: 17.67M (-11.2%)
|
17.25M
est: 38.43M (-55.1%)
|
20.80M
est: 23.02M (-9.6%)
|
27.35M
est: 29.15M (-6.2%)
|
30.17M
est: 29.06M (+3.8%)
|
29.42M
est: 23.24M (+26.6%)
|
34.61M
est: 32.44M (+6.7%)
|
39.39M
est: 35.65M (+10.5%)
|
47.67M
est: 19.85M (+140.1%)
|
52.70M
est: 54.33M (-3.0%)
|
56.89M
est: 55.70M (+2.1%)
|
55.69M
est: 57.15M (-2.6%)
|
53.64M
est: 54.64M (-1.8%)
|
46.49M
est: 53.92M (-13.8%)
|
43.90M
est: 46.09M (-4.8%)
|
39.25M
est: 44.72M (-12.2%)
|
40.88M
est: 41.99M (-2.6%)
|
44.81M
est: 46.44M (-3.5%)
|
47.84M
est: 45.89M (+4.2%)
|
78.72M
est: 46.84M (+68.1%)
|
75.52M
est: 54.58M (+38.4%)
|
54.11M
54.11M – 54.11M
-0.9% YoY
|
56.31M
56.31M – 56.31M
+4.1% YoY
|
60.24M
58.26M – 62.23M
+7.0% YoY
|
57.13M
57.13M – 57.13M
-5.2% YoY
|
| EPS |
0.09
est: 0.15 (-41.9%)
|
0.25
est: 0.25 (-1.4%)
|
0.28
est: 0.28 (+1.1%)
|
0.31
est: 0.32 (-4.5%)
|
0.36
est: 0.36 (-1.4%)
|
0.33
est: 0.34 (-2.4%)
|
0.35
est: 0.36 (-3.5%)
|
0.40
est: 0.40 (-0.8%)
|
0.46
est: 0.46 (-1.1%)
|
0.53
est: 0.53 (-0.4%)
|
0.58
est: 0.56 (+3.1%)
|
-0.03
est: 0.54 (-105.7%)
|
0.88
est: 0.62 (+42.0%)
|
0.63
est: 0.62 (+1.0%)
|
0.65
est: 0.64 (+1.4%)
|
0.67
est: 0.65 (+3.1%)
|
0.33
est: 0.45 (-26.0%)
|
0.58
est: 0.53 (+10.0%)
|
0.50
est: 0.55 (-9.9%)
|
0.49
est: 0.65 (-24.1%)
|
0.27
est: 0.71 (-62.0%)
|
0.76
0.73 – 0.79
+6.7% YoY
|
0.83
0.79 – 0.87
+9.2% YoY
|
0.93
0.93 – 0.93
+12.3% YoY
|
—
— – —
-100.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-11 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-10 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-09 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-08 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-05 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-04 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-03 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-02 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-06-01 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-29 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-27 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
91.89M
OE per share TTM
1.36
Owner's Yield
24.81%
Maintenance CapEx ratio
60.06%
Maint CapEx / Avg PPE
13.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 18 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Amplify Digital Payments ETF IPAY | 0.28% | 430.6K | 0.75% |
| 2 | WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L | 0.24% | 26.5K | 0.29% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.19% | 176.8K | 0.38% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.19% | 176.8K | 0.38% |
| 5 | Fidelity Investment Trust - Fidelity Special Values PLC FSV.L | 0.13% | 2.34M | 0.27% |
| 6 | WisdomTree International SmallCap Dividend Fund DLS | 0.07% | 733.5K | 0.58% |
| 7 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.07% | 279.9K | 0.48% |
| 8 | iShares International Small-Cap Equity Factor ETF ISCF | 0.03% | 205.3K | 0.24% |
| 9 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 58.7K | 0.30% |
| 10 | Dimensional - International Small Cap ETF DFIS | 0.02% | 1.04M | 0.39% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
74.1K
Shares Outstanding
60.33M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Nicholas Wiles | Chief Executive Officer, Member of Executive Board & Executive Director | 1M | male |
| Rob Harding | Chief Financial Officer, Member of Executive Board & Executive Director | 674.0K | male |
| Jo Toolan | MD of Payments & Member of Executive Board | — | female |
| Katy Wilde | Chief People Officer & Member of Executive Board | — | female |
| Mark Latham | Managing Director of Card Services & Member of Executive Board | — | male |
| Simon Coles | Chief Technology Officer & Member of Executive Board | — | male |
| Steve O'Neill | Chief Marketing & Corporate Affairs Officer and Member of Executive Board | — | male |
| Ben Ford | Customer Experience Director & Member of Executive Board | — | male |
| Tanya Murphy | General Counsel, Head of Compliance & Legal and Member of Executive Board | — | female |
| Chris Paul | Corporate Finance Director & Member of Executive Board | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for PAY.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
