Payfare Inc
TSX:PAY

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Payfare Inc
TSX:PAY
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Price: 4 CAD Market Closed
Market Cap: CA$193.2m

EV/S

0.5
Current
46%
Cheaper
vs 3-y average of 1

Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.

EV/S
0.5
=
Enterprise Value
CA$117.7m
/
Revenue
CA$216.9m

Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.

EV/S
0.5
=
Enterprise Value
CA$117.7m
/
Revenue
CA$216.9m

Valuation Scenarios

Payfare Inc is trading below its 3-year average

If EV/S returns to its 3-Year Average (1), the stock would be worth CA$7.45 (86% upside from current price).

Statistics
Positive Scenarios
4/4
Maximum Downside
No Downside Scenarios
Maximum Upside
+438%
Average Upside
263%
Scenario EV/S Value Implied Price Upside/Downside
Current Multiple 0.5 CA$4
0%
3-Year Average 1 CA$7.45
+86%
5-Year Average 1.4 CA$10.21
+155%
Industry Average 2.6 CA$18.89
+372%
Country Average 2.9 CA$21.53
+438%

Forward EV/S
Today’s price vs future revenue

Today's Enterprise Value Revenue Forward EV/S
CA$117.7m
/
Oct 2024
CA$216.9m
=
0.5
Current
CA$117.7m
/
Dec 2024
CA$199.8m
=
0.6
Forward
CA$117.7m
/
Dec 2025
CA$68.5m
=
1.7
Forward

Forward EV/S shows whether today’s EV/S still looks high or low once future revenue are taken into account.

Peer Comparison

All Multiples
EV/S
P/E
All Countries
Close
Market Cap EV/S P/E
CA
Payfare Inc
TSX:PAY
192.3m CAD 0.5 9.9
US
Visa Inc
NYSE:V
590.8B USD 14.3 28.7
US
Mastercard Inc
NYSE:MA
452.7B USD 14 30.2
US
Automatic Data Processing Inc
NASDAQ:ADP
79.5B USD 3.8 18.8
US
PayPal Holdings Inc
NASDAQ:PYPL
45.8B USD 1.4 8.8
NL
Adyen NV
AEX:ADYEN
30.5B EUR 7.5 28.7
US
Fiserv Inc
NASDAQ:FISV
32.7B USD 2.8 9.4
US
Paychex Inc
NASDAQ:PAYX
32.2B USD 5.5 19.7
ES
Amadeus IT Group SA
MAD:AMS
21.6B EUR 3.6 16.2
US
Fidelity National Information Services Inc
NYSE:FIS
23.4B USD 3.2 61.4
US
Fleetcor Technologies Inc
NYSE:CPAY
21.4B USD 6 20.2

Market Distribution

Lower than 94% of companies in Canada
Percentile
6th
Based on 2 384 companies
6th percentile
0.5
Low
0 — 1.7
Typical Range
1.7 — 5.7
High
5.7 —
Distribution Statistics
Canada
Min 0
30th Percentile 1.7
Median 2.9
70th Percentile 5.7
Max 15 639 353.3

Payfare Inc
Glance View

Market Cap
193.2m CAD
Industry
Technology

Payfare, Inc. engages in the provision of mobile banking, instant payment, and loyalty-reward solutions. The company is headquartered in Toronto, Ontario and currently employs 70 full-time employees. The company went IPO on 2021-03-19. The firm provides instant payout and digital banking solutions for gig economy. The firm partners with platforms and marketplaces, such as Uber, Lyft and DoorDash to provide financial security and inclusion for their workforce. The company provides gig workers with instant access to their earnings and digital banking experience allowing them to focus financially rather than having to depend on the traditional banking system, payday loans, overdraft and credit cards. The firm operates in Canada, United States and Mexico. Its wholly owned subsidiaries include Payfare International Inc. and Payfare Mexico Inc. S.A. de C.V.

PAY Intrinsic Value
Not Available
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