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PayPoint plc (PYPTF)

USD7.50 +0.00 (+0.00%)
GB OTC Technology Software - Infrastructure
Address 1 The Boulevard AL7 1EL
Welwyn Garden City, GB
CEO Nicholas Wiles
IPO 2014-05-28
ISIN GB00BVMTNR93

Explore sections of this company profile

Also trades on London Stock Exchange · PAY.L (GBp) Other OTC · PYPTF (USD)
Description

PayPoint plc is a UK-based company specializing in a diverse range of services and solutions encompassing payments, banking, shopping, and e-commerce. The company facilitates bill payments, both traditional and digital, alongside offering eMoney and cash-out services. For its retail partners, PayPoint furnishes solutions such as ATM access, secure card payment processing, parcel collection and dispatch, money transfer facilities, SIM card sales, EPoS systems, and receipt advertising. Furthermore, PayPoint develops its proprietary MultiPay solution, a comprehensive platform for digital transactions, and the PayPoint One retail management terminal. It caters to a diverse customer base, including individual consumers, small and medium-sized enterprises (SMEs), and convenience store operators, spanning the commercial, not-for-profit, and public sectors. Founded in 1996, the company is headquartered in Welwyn Garden City, United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
USD7.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
109
Beta
0.37
Float Shares
39.87M
Free Float %
66.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -9.64% +2.88% +8.07% +8.07% -5.30% +59.57% +3.45% -46.85% -57.87%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (2 ratings, all time) Buy
Price Targets & DCF
Current price
7.50
DCF (Unlevered) 79.40 +958.7%
DCF (Levered) 85.50 +1,040.0%

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.

Quality scores
Altman Z-Score
2.60
Grey zone
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers ★ Strong MOAT
  • Revenue growth Software - Infrastructure: +13.7%
    +8.7% Q1'26: +10.0% (vs Q1'24)
  • EPS growth Software - Infrastructure: +28.7%
    +123.1% Q1'26: +22.6% (vs Q1'24)
  • FCF margin FCF growth · Software - Infrastructure: +32.2%
    +15.5% Q1'26: -22.9% (vs Q1'24)
  • EBIT margin Software - Infrastructure: +8.8%
    +21.3% Q1'26: +23.3% (vs Q1'24)
  • ROIC Software - Infrastructure: +6.6%
    +78.4% Q1'26: +194.9% (vs Q1'24)
  • Share dilution Software - Infrastructure: +0.0%
    -7.8% Q1'26: -11.2% (vs Q1'24)
  • Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×
    1.55× Q1'26: 0.65× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.37) × ERP
WACC = 73% × Ke + 27% × Kd (6.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 124.79 Current price: 7.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric 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.
Revenue
218.50M
est: 121.98M (+79.1%)
212.56M
est: 124.47M (+70.8%)
211.92M
est: 118.02M (+79.6%)
213.52M
est: 120.22M (+77.6%)
211.58M
est: 119.56M (+77.0%)
144.29M
est: 121.06M (+19.2%)
127.75M
est: 97.66M (+30.8%)
145.14M
est: 116.61M (+24.5%)
167.72M
est: 124.98M (+34.2%)
306.37M
est: 179.97M (+70.2%)
310.71M
est: 191.70M (+62.1%)
191.82M
191.82M – 191.82M
+0.1% YoY
202.55M
202.55M – 202.55M
+5.6% YoY
212.60M
212.60M – 212.60M
+5.0% YoY
EBITDA
53.57M
est: 40.40M (+32.6%)
55.03M
est: 41.22M (+33.5%)
59.75M
est: 39.09M (+52.9%)
63.46M
est: 39.82M (+59.4%)
65.09M
est: 39.60M (+64.4%)
59.33M
est: 40.09M (+48.0%)
30.57M
est: 32.34M (-5.5%)
61.13M
est: 38.62M (+58.3%)
55.71M
est: 41.39M (+34.6%)
77.26M
est: 51.76M (+49.3%)
60.03M
est: 56.43M (+6.4%)
56.46M
56.46M – 56.46M
+0.1% YoY
59.62M
59.62M – 59.62M
+5.6% YoY
62.58M
62.58M – 62.58M
+5.0% YoY
EBIT
48.19M
est: 32.31M (+49.1%)
50.33M
est: 32.97M (+52.6%)
52.28M
est: 31.27M (+67.2%)
53.46M
est: 31.85M (+67.9%)
53.95M
est: 31.67M (+70.3%)
50.61M
est: 32.07M (+57.8%)
21.85M
est: 25.87M (-15.5%)
50.56M
est: 30.89M (+63.7%)
45.29M
est: 33.11M (+36.8%)
56.59M
est: 39.08M (+44.8%)
34.74M
est: 43.22M (-19.6%)
43.25M
43.25M – 43.25M
+0.1% YoY
45.67M
45.67M – 45.67M
+5.6% YoY
47.94M
47.94M – 47.94M
+5.0% YoY
Net Income
39.15M
est: 60.91M (-35.7%)
-2.11M
est: 56.36M (-103.7%)
59.62M
est: 56.03M (+6.4%)
42.94M
est: 63.27M (-32.1%)
44.43M
est: 60.38M (-26.4%)
45.67M
est: 58.27M (-21.6%)
22.34M
est: 44.48M (-49.8%)
39.68M
est: 50.07M (-20.8%)
34.71M
est: 49.46M (-29.8%)
35.69M
est: 59.48M (-40.0%)
19.19M
est: 61.82M (-69.0%)
67.55M
67.55M – 67.55M
+9.3% YoY
74.84M
74.84M – 74.84M
+10.8% YoY
82.78M
82.78M – 82.78M
+10.6% YoY
SGA
56.89M
est: 35.20M (+61.6%)
55.69M
est: 35.92M (+55.0%)
53.64M
est: 34.06M (+57.5%)
46.49M
est: 34.70M (+34.0%)
43.90M
est: 34.51M (+27.2%)
39.25M
est: 34.94M (+12.4%)
40.88M
est: 28.18M (+45.0%)
44.81M
est: 33.65M (+33.2%)
47.84M
est: 36.07M (+32.6%)
78.72M
est: 50.90M (+54.7%)
75.52M
est: 50.75M (+48.8%)
50.78M
50.78M – 50.78M
+0.1% YoY
53.62M
53.62M – 53.62M
+5.6% YoY
56.28M
56.28M – 56.28M
+5.0% YoY
EPS
0.58
est: 0.83 (-30.5%)
-0.03
est: 0.77 (-104.0%)
0.88
est: 0.77 (+14.6%)
0.63
est: 0.87 (-27.3%)
0.65
est: 0.83 (-21.4%)
0.67
est: 0.80 (-16.1%)
0.33
est: 0.61 (-45.9%)
0.58
est: 0.69 (-15.5%)
0.50
est: 0.68 (-26.2%)
0.49
est: 0.82 (-39.9%)
0.27
est: 0.92 (-70.6%)
1.00
1.00 – 1.00
+9.3% YoY
1.11
1.11 – 1.11
+10.8% YoY
1.23
1.23 – 1.23
+10.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-08 B- 3/5 4/5 4/5 3/5 1/5 2/5 1/5
2026-05-11 B 3/5 4/5 4/5 3/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
97.59M
OE per share TTM
1.46
Owner's Yield
20.12%
Maintenance CapEx ratio
14.95%
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

This company is not held by any ETF in our universe.

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
74.3K
Shares Outstanding
60.45M

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

NameTitleCompensationGender
Nicholas Wiles Chief Executive Officer, Member of Executive Board & Executive Director 1M male
Rob Harding Chief Financial Officer, Member of Executive Board & Executive Director 904.2K 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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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits