SmartPay Holdings Ltd
NZX:SPY
Intrinsic Value
SmartPay Holdings Ltd. is engaged in the provision of payment solutions. [ Read More ]
The intrinsic value of one
SPY
stock under the Base Case scenario is
1.73
NZD.
Compared to the current market price of 1.35 NZD,
SmartPay Holdings Ltd
is
Undervalued by 22%.
SmartPay Holdings Ltd's market capitalization is 321.7m NZD.
SPY stock price is 1.35 NZD.
SPY stock price (1.35 NZD) is 22% less than its Intrinsic Value (1.73 NZD).
SPY has upside potential of 36% compared to the average analyst price target.
Open Wall St Estimates
SPY's short-term assets (57m NZD) exceed its short-term liabilties (54m NZD).
SPY's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 19%.
SPY's ROE (Return on Equity) for the past 12 months is positive and is equal to 19%.
SPY has positive Operating Income for the last twelve months.
SPY has positive three-year average ROIC (Return on Invested Capital): 5%. The company is efficient at using invested capital to generate operating income.
SPY has positive Gross Profit for the last twelve months.
SPY has positive Free Cash Flow for the last twelve months.
SPY's Revenue is forecast to grow at a rate of 23% per year over the next 3 years.
SPY's long-term assets (114m NZD) exceed its long-term liabilties (68m NZD).
SPY has negative Net Debt. This means that the company has more cash and short-term investments (19m NZD) than debt (14m NZD).
SPY's Revenue has grown by an exceptional 152% over the past 12 months.
SPY's ROE (Return on Equity) has significantly increased in the last 3 years from -81% to 19%.
SPY's ROIC (Return on Invested Capital) has significantly increased in the last 3 years from -3% to 19%.
SPY has positive Net Income for the last twelve months.
SPY's Revenue has been growing by an exceptional 45% per year for the last 3 years.
SPY's D/E (Debt to Equity) is very low and is equal to 0.3.
SPY's Altman Z-Score is very high and is equal to 3.78.
SPY has negative three-year average ROE (Return on Equity): -23%. The company is not efficient at transforming stockholders' equity into net income.
SPY doesn't generate enough operating income (10m NZD) to safely cover interest payments on its debt (-1m NZD).
Valuation Backtest
SmartPay Holdings Ltd
Run backtest to discover the historical profit from buying and selling
SPY
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
SmartPay Holdings Ltd
Balance Sheet Decomposition
SmartPay Holdings Ltd
| Current Assets | 57.3m |
| Cash & Short-Term Investments | 19m |
| Receivables | 38.2m |
| Other Current Assets | 65k |
| Non-Current Assets | 56.8m |
| PP&E | 22.5m |
| Intangibles | 30.3m |
| Other Non-Current Assets | 3.9m |
| Current Liabilities | 54.5m |
| Accounts Payable | 52.9m |
| Other Current Liabilities | 1.5m |
| Non-Current Liabilities | 13.7m |
| Long-Term Debt | 13.7m |
Earnings Waterfall
SmartPay Holdings Ltd
|
Revenue
|
89.3m
NZD
|
|
Cost of Revenue
|
-66.1m
NZD
|
|
Gross Profit
|
23.2m
NZD
|
|
Operating Expenses
|
-13.7m
NZD
|
|
Operating Income
|
9.5m
NZD
|
|
Other Expenses
|
-1.5m
NZD
|
|
Net Income
|
8.1m
NZD
|
Free Cash Flow Analysis
SmartPay Holdings Ltd
SPY Profitability Score
Profitability Due Diligence
SmartPay Holdings Ltd's profitability score is 53/100. The higher the profitability score, the more profitable the company is.
Score
SmartPay Holdings Ltd's profitability score is 53/100. The higher the profitability score, the more profitable the company is.
SPY Solvency Score
Solvency Due Diligence
SmartPay Holdings Ltd's solvency score is 51/100. The higher the solvency score, the more solvent the company is.
Score
SmartPay Holdings Ltd's solvency score is 51/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
SPY Price Targets Summary
SmartPay Holdings Ltd
According to Wall Street analysts, the average 1-year price target for
SPY
is 1.84 NZD
with a low forecast of 1.22 NZD and a high forecast of 2.31 NZD.
Shareholder Return
SPY Price
SmartPay Holdings Ltd
| Average Annual Return | 64.92% |
| Standard Deviation of Annual Returns | 81.19% |
| Max Drawdown | -35% |
| Market Capitalization | 321.7m NZD |
| Shares Outstanding | 238 284 963 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
SmartPay Holdings Ltd
Country
Industry
Market Cap
Dividend Yield
Description
SmartPay Holdings Ltd. is engaged in the provision of payment solutions. The firm designs, develops and implements payment solutions for customers in New Zealand and Australia. The company offers a range of payment and data management solutions for retail, business payment and transactional processing requirements. The firm is the electronic funds transfer at point of sale (EFTPOS) terminal provider throughout Australia. The company licenses its technologies to third parties. The firm is a supplier of taxi payment solutions in New Zealand. The firm offers wireless EFTPOS Machines that allow accepting a credit card onsite. Its stationary countertop solutions are capable of connecting through the Internet. Its EFTPOS terminals are available for hire for a trade show on a short term lease. The firm has over 45,000 EFTPOS terminals throughout Australia and New Zealand, servicing the payment needs of approximately 18,000 merchants.
Contact
IPO
Employees
Officers
The intrinsic value of one
SPY
stock under the Base Case scenario is
1.73
NZD.
Compared to the current market price of 1.35 NZD,
SmartPay Holdings Ltd
is
Undervalued by 22%.
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