On the stock market since 2020, it operates in the world of technology. It has 2,540 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 22% a year over the last 4 years. Red columns mark years that ended in a loss.
If every debt were paid off today, $343.2M 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.
Profit indicators sit around the sector average.
The cash pile is strong; debt and other items pull the grade toward the middle.
Clearly above the class average — a step short of the very top.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 36% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 19% a year on average.
There is $415.5M in the vault; even if every debt were paid off, $343.2M would remain.
The company’s market value is 33 times its annual profit. Even a small disappointment could hit the price hard.
Over the last 12 months, executives reported 46 sells against just 13 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, PAYO sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PAYO is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.