Provides cloud-based bill payment technology. Offers electronic bill presentment and payment services. Now — the numbers.
This is an established company with proven profits.
Average growth of 32% a year over the last 4 years. Red columns mark years that ended in a loss.
If every debt were paid off today, $313.1M would still be left in the vault — a solid cushion for hard times.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
Debt is low and cash is strong; the finances stand solid.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
The stock trades 18% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 32% a year on average.
There is $324.5M in the vault; even if every debt were paid off, $313.1M would remain.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
The company’s market value is 68 times its annual profit. Even a small disappointment could hit the price hard.
Over the last 12 months, executives reported 62 sells against just 11 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, PAY sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: PAY is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.