Paypoint (PAY) AI Stock Analysis

• Market Cap: £361.02M
• Dividend Yield: 20.3%
• Average Volume (3M): 192.24K
• Price to Earnings (P/E): 8.3
• Beta (1Y): 0.81
• Revenue Growth: 1.58%
• EPS Growth: -57.55%
• Country: UK
• Employees: 968
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.27
• Shares Outstanding: 60,781,500
• 10 Day Avg. Volume: 231,674
• 30 Day Avg. Volume: 192,238
• PEG Ratio: -0.57
• Price to Book (P/B): 5.25
• Price to Sales (P/S): 1.57
• P/FCF Ratio: 87.11
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.83
• Revenue Forecast (FY): £199.15M

• Rating: 64 Neutral
• Price Target: 657.00 p ▲(42.83% Upside)
• Action: Downgraded Date: 01/29/26
• Date: Action: Downgraded 01/29/26

The score is primarily held back by weakening profitability and a sharp drop in free cash flow, alongside higher leverage. Technicals are supportive but overbought and still below longer-term averages. These risks are partially offset by a very high dividend yield and a generally constructive earnings call emphasizing new launches, targeted growth, and significant shareholder returns.

Positive Factors

Margin and Revenue Stability

A sustained ~44% gross margin and modest revenue growth indicate the business retains structural pricing power and consistent transaction economics. This supports recurring fee-based revenues from billers and retailers, cushioning operating performance against short-term volume swings and preserving long-term profitability potential.

Negative Factors

Severe Free Cash Flow Decline

An 85% fall in free cash flow materially reduces internal funding for capex, strategic initiatives and shareholder returns. Persistently weak FCF undermines liquidity buffers and increases reliance on external financing; this constrains flexibility and raises the risk of funding stress if operational recovery stalls.

Paypoint Business Overview & Revenue Model

Company Description

PayPoint plc provides payments and banking, shopping, and e-commerce services and products in the United Kingdom. It offers bill payment, digital bill payment, eMoney, and cash out services; and retail services comprising ATM, card payments, parce...

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PayPoint plc provides payments and banking, shopping, and e-commerce services and products in the United Kingdom. It offers bill payment, digital bill payment, eMoney, and cash out services; and retail services comprising ATM, card payments, parce...

How the Company Makes Money

PayPoint generates revenue primarily through transaction fees charged for processing payments and services provided to retailers and billers. Key revenue streams include commissions from bill payments, mobile top-ups, and payment processing fees f...

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PayPoint generates revenue primarily through transaction fees charged for processing payments and services provided to retailers and billers. Key revenue streams include commissions from bill payments, mobile top-ups, and payment processing fees f...

Paypoint Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	315.82M	310.71M	306.37M	167.72M	145.14M	127.75M
Gross Profit	128.39M	136.43M	147.40M	100.17M	93.48M	81.41M
EBITDA	62.56M	60.03M	77.25M	55.71M	61.13M	30.57M
Net Income	16.47M	19.19M	35.69M	34.71M	39.68M	22.34M
Balance Sheet
Total Assets	605.21M	508.35M	519.11M	479.99M	232.13M	284.92M
Cash, Cash Equivalents and Short-Term Investments	151.93M	33.19M	86.77M	160.45M	24.30M	10.54M
Total Debt	118.00M	105.49M	98.77M	100.42M	51.79M	87.03M
Total Liabilities	503.26M	411.03M	397.95M	368.27M	148.88M	251.62M
Stockholders Equity	97.75M	93.21M	121.16M	111.71M	83.26M	33.30M
Cash Flow
Free Cash Flow	7.11M	5.62M	37.78M	81.00M	11.76M	43.74M
Operating Cash Flow	16.15M	24.39M	53.99M	93.70M	22.57M	54.98M
Investing Cash Flow	14.16M	-43.90M	-16.33M	-57.05M	-4.68M	-72.02M
Financing Cash Flow	-45.16M	-34.08M	-28.81M	17.06M	-58.39M	-10.34M

Paypoint Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 460.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PAY, the sentiment is Positive. The current price of 460 is below the 20-day moving average (MA) of 565.27, below the 50-day MA of 559.99, and below the 200-day MA of 610.49, indicating a neutral trend. The MACD of 9.16 indicates Negative momentum. The RSI at 61.57 is Neutral, neither overbought nor oversold. The STOCH value of 65.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PAY.

Paypoint Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNX	77 Outperform	£171.42M	6.83	104.64%	7.02%	-4.35%	5.34%
BYIT	76 Outperform	£671.29M	8.86	60.89%	5.54%	7.83%	2.36%
BGO	69 Neutral	£50.08M	-5.27	-10.96%	―	6.40%	70.78%
BOKU	68 Neutral	£518.68M	66.92	6.99%	―	22.19%	78.35%
PAY	64 Neutral	£361.02M	8.32	17.25%	20.30%	1.58%	-57.55%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
EWG	57 Neutral	£800.45M	413.34	3.98%	―	-0.85%	―

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