Pushpay Holdings Limited (PHPYF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Pushpay Holdings Limited (PHPYF) trades at $0.82 with AI Score 63/100 (Grade B+). Pushpay Holdings Limited provides a comprehensive donor management system and Software as a Service (SaaS) church management platform to the faith sector, non-profit organizations, and education providers. Market cap: $992.40M, Sector: Technology.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for PHPYF: PHPYF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PHPYF against Technology peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PHPYF: 4/4 perspectives are bullish. Dominant signal: Moon AI bullish.
How is this calculated? →Pushpay Holdings Limited (PHPYF) Technology Profile & Competitive Position
Pushpay Holdings Limited is a New Zealand-based technology company specializing in donor management and church management software solutions. It serves the faith sector, non-profit organizations, and education providers across North America and Australasia, offering integrated platforms for engagement, payments, and administrative functions to enhance community relationships.
What Is the Investment Thesis for PHPYF?
Pushpay Holdings Limited presents a focused investment profile within the specialized software sector, driven by its established position in donor management and church management systems for the faith sector, non-profits, and education providers. The company's SaaS business model, coupled with its integrated ChurchStaq platform, creates recurring revenue streams and fosters customer stickiness. Key value drivers include the ongoing digital transformation within its target markets, which continues to fuel demand for online giving and engagement solutions. With a market capitalization of $992.40M, a P/E ratio of 36.97, and a robust gross margin of 68.2%, Pushpay demonstrates both market confidence in its growth prospects and strong operational profitability. Its profit margin of 16.5% further underscores its efficiency. Growth catalysts are anticipated from the continued expansion and deeper adoption of the ChurchStaq platform, increased market penetration in its existing geographic regions (US, Canada, Australia, New Zealand), and potential product enhancements that cater to evolving digital engagement needs. While its beta of 0.87 suggests lower volatility, investors may want to evaluate the company's reliance on specific sectors and the competitive landscape as ongoing risk factors.
Based on FMP financials and quantitative analysis
PHPYF Key Highlights
- Market Capitalization: $0.99 billion, reflecting its valuation as a specialized software provider in the donor and church management sector.
- Profit Margin: 16.5%, indicating the company's operational efficiency and ability to convert revenue into net income.
- Gross Margin: 68.2%, showcasing strong profitability on its software and service offerings, significantly above many industry benchmarks.
- P/E Ratio: 36.97, suggesting investor expectations for future growth and earnings potential within its specialized markets.
- Beta: 0.87, indicating lower volatility compared to the broader market, which may appeal to investors seeking relative stability.
Who Are PHPYF's Competitors?
PHPYF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFLT Confluent, Inc. | $30.99 | +0.00% | 12B | 71 |
| NET Cloudflare, Inc. | $245.87 | +1.43% | $87.27B | 67 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $11.85 | +1.94% | $268.17M | 67 |
| CINT CI&T Inc. | $3.40 | -2.99% | $438.07M | 66 |
| TUYA Tuya Inc. | $1.81 | +3.13% | $1.11B | 63 |
| HCP HashiCorp, Inc. | $34.78 | +0.00% | $7.11B | 63 |
| KSPI Joint Stock Company Kaspi.kz | $90.19 | +0.41% | $17.14B | 63 |
| PLAN Anaplan, Inc. | $63.73 | +0.58% | $9.59B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PHPYF's Key Strengths?
- Specialized niche focus in the faith and non-profit sectors, leading to tailored solutions.
- Integrated ChurchStaq platform offers a comprehensive solution, enhancing customer stickiness.
- Strong gross margin of 68.2%, indicating efficient cost management relative to revenue.
- Established presence in key international markets including the US, Canada, Australia, and New Zealand.
What Are PHPYF's Weaknesses?
- Reliance on specific sectors (faith, non-profit) makes it susceptible to sector-specific economic or social trends.
- Exposure to regulatory changes in digital payments across multiple jurisdictions.
- Operating on the OTC market, which can imply lower liquidity and transparency compared to major exchanges.
- Limited public information regarding specific competitive advantages or market share data.
What Could Drive PHPYF Stock Higher?
- Expansion of ChurchStaq platform features to capture a larger share of the integrated church management market by offering enhanced functionalities and user experience.
- Continued digital transformation within the faith and non-profit sectors, driving sustained demand for online giving and engagement solutions across its operating regions.
- Geographical market penetration efforts in the United States, Canada, Australia, and New Zealand, aiming to increase customer acquisition and deepen market presence.
- Potential strategic partnerships or product integrations that could expand Pushpay's ecosystem and reach within its target customer segments.
What Are the Key Risks for PHPYF?
- Increased competition from other specialized donor management platforms or general payment processors, potentially leading to pricing pressure or market share erosion.
- Economic downturns or shifts in charitable giving trends could negatively impact the budgets of its core customers (faith sector, non-profits), affecting subscription renewals and new sales.
- Regulatory changes related to data privacy, digital payment processing, or non-profit compliance in its operating regions, which could necessitate costly platform adjustments.
- Reliance on the faith and non-profit sectors, making the company susceptible to sector-specific challenges, cultural shifts, or technological adoption rates within these communities.
- Risks associated with trading on the OTC market, including lower liquidity, reduced transparency, and increased price volatility, which may affect investor confidence and share value.
What Are the Growth Opportunities for PHPYF?
- Expansion of ChurchStaq Platform Adoption: Pushpay's integrated ChurchStaq platform, which combines giving, donor management, and church management, represents a significant growth driver. The market for comprehensive, all-in-one solutions in the faith and non-profit sectors is expanding as organizations seek to streamline operations and enhance member engagement through a unified system. By continuously adding features and demonstrating the value of a single, integrated platform, Pushpay can capture a larger share of organizations looking to consolidate their digital tools, potentially increasing average revenue per user and reducing churn over the next 3-5 years.
- Increased Penetration in Existing Geographic Markets: The company currently operates in the United States, Canada, Australia, and New Zealand. Despite its presence, there remains substantial opportunity for deeper market penetration within these regions. Many faith-based and non-profit organizations are still in various stages of digital adoption, particularly concerning online giving and community engagement tools. Targeted sales and marketing efforts, coupled with localized support and product enhancements, can drive further adoption rates and expand Pushpay's customer base within these established markets over the next 2-4 years.
- Diversification and Deeper Penetration into Non-Faith Non-Profits and Education: While Pushpay currently serves non-profit organizations and education providers, there is significant potential to strategically expand its focus and tailor solutions more explicitly for a broader range of non-faith non-profits. This includes charities, foundations, and educational institutions that require robust donor management, engagement, and administrative tools. By adapting its messaging and potentially adding sector-specific features, Pushpay can tap into larger adjacent markets, leveraging its core technology to address similar needs for digital fundraising and community building over a 5-year horizon.
- Enhanced Product Features and AI Integration: Continuous innovation in product features, particularly through the integration of artificial intelligence and advanced analytics, presents a strong growth opportunity. Developing tools for predictive analytics on donor behavior, personalized communication strategies, and automated administrative tasks can significantly enhance the value proposition of Pushpay's platforms. These advancements can help customers optimize fundraising efforts, improve donor retention, and increase operational efficiency, thereby attracting new clients and strengthening relationships with existing ones over the next 2-3 years.
- Strategic Partnerships and Acquisitions: Pursuing strategic partnerships with complementary technology providers or engaging in targeted acquisitions can accelerate Pushpay's growth trajectory. This could involve partnering with event management platforms, volunteer management systems, or other specialized software providers to create a more expansive ecosystem for its customers. Acquisitions of smaller, innovative companies with complementary technologies or established customer bases in new niches could also provide immediate market access and technology integration, expanding Pushpay's offerings and market reach within the next 3-5 years.
What Opportunities Does PHPYF Have?
- Continued digital transformation within its target sectors driving demand for online solutions.
- Potential for expansion into broader non-profit segments beyond its current core focus.
- Product innovation, including AI integration for predictive analytics and personalized engagement.
- Strategic partnerships or acquisitions to expand market reach and technology offerings.
What Threats Does PHPYF Face?
- Increased competition from general payment processors and other specialized software providers.
- Economic downturns potentially impacting charitable giving and organizational budgets.
- Data security breaches or privacy concerns could erode customer trust and compliance.
- Technological obsolescence if the platform does not continuously evolve with market demands.
What Are PHPYF's Competitive Advantages?
- Specialized focus and deep understanding of the unique operational and engagement needs of the faith and non-profit sectors.
- An integrated platform like ChurchStaq, which offers a comprehensive solution, reducing the need for customers to manage multiple vendors.
- An established customer base and network effects within its niche markets, fostering referrals and community adoption.
- Proprietary technology for secure, efficient, and user-friendly digital giving and community engagement.
What Does PHPYF Do?
Pushpay Holdings Limited, incorporated in 2011 and headquartered in Auckland, New Zealand, operates as a technology provider focused on delivering specialized donor management and engagement solutions. The company's core offering is a comprehensive donor management system tailored for the faith sector, non-profit organizations, and education providers. This system is deployed across key markets including the United States, Canada, Australia, and New Zealand, addressing a critical need for streamlined digital interactions within these communities. The donor management system is robust, encompassing essential donor tools, sophisticated finance tools, and a custom community app, all designed to facilitate seamless engagement and administrative efficiency. Beyond donor management, Pushpay has evolved its product suite to include a Software as a Service (SaaS) church management system. This platform empowers churches to effectively connect and communicate with their community members, meticulously record member service history, and accurately track online giving, while also performing a wide array of administrative functions crucial for modern church operations. A significant advancement in Pushpay's product strategy is ChurchStaq, an integrated engagement solution. ChurchStaq unifies various ministry touch points, providing a cohesive experience that includes giving and donor management, comprehensive church management functionalities, and direct access to Pushpay's proprietary app. Through these diverse offerings, Pushpay Holdings Limited positions itself as a vital partner enabling its customers to enhance participation, foster stronger relationships with their communities, and manage their operations with greater efficacy.
What Products and Services Does PHPYF Offer?
- Provides donor management systems to facilitate digital giving and engagement.
- Offers finance tools for organizations to manage donations and financial records.
- Develops custom community apps to enhance communication and connection for customers.
- Delivers engagement, payment, and administration solutions for the faith sector, non-profits, and education providers.
- Supplies Software as a Service (SaaS) church management systems for operational efficiency.
- Enables churches to connect and communicate effectively with their community members.
- Facilitates tracking of online giving and performs a range of administrative functions.
- Offers ChurchStaq, an integrated solution for giving, donor management, church management, and app access.
How Does PHPYF Make Money?
- Primarily operates on a subscription-based Software as a Service (SaaS) model for access to its donor management and church management platforms.
- Generates revenue through transaction-based fees for processing digital payments and donations facilitated by its systems.
- Provides value-added services, potentially including custom app development and ongoing support, contributing to revenue streams.
- Focuses on recurring revenue streams from ongoing software licenses and platform access, ensuring predictable income.
What Industry Does PHPYF Operate In?
Pushpay Holdings Limited operates within the Software - Infrastructure industry, specifically targeting the niche market of donor management and church management systems. This segment is characterized by increasing demand for digital solutions as non-profit organizations, faith-based entities, and educational institutions seek to modernize their engagement, payment processing, and administrative functions. The broader market trend towards digital transformation, mobile-first strategies, and integrated cloud-based platforms directly benefits Pushpay's SaaS model. The competitive landscape is fragmented, featuring a mix of specialized software providers and general payment processors. Pushpay differentiates itself through its deep understanding of the unique needs of the faith and non-profit sectors, offering comprehensive, integrated solutions like ChurchStaq that aim to consolidate multiple functionalities into a single platform, thereby reducing vendor complexity for its customers. This strategic positioning allows Pushpay to capture market share by providing tailored solutions that generic platforms may not fully address.
Who Are PHPYF's Key Customers?
- Faith sector organizations, including churches and ministries, seeking digital giving and management solutions.
- Non-profit organizations that require robust donor management and engagement platforms.
- Education providers looking to enhance community interaction and fundraising efforts.
- Community groups and organizations aiming to build stronger relationships and streamline administrative tasks.
ROE 26%Key Financial Metrics
Return on equity for Pushpay Holdings Limited stands at 25.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 12.8%, showing how much profit it generates from its asset base. PHPYF trades at a trailing price-to-earnings ratio of 36.14, roughly in line with the Technology sector average of ~38x. Its free cash flow yield is 5.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.76 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.8%, the inverse of the P/E and a quick read on earnings relative to price.
Pushpay Holdings Limited (PHPYF) Valuation Context
Valued at $992.40M, PHPYF is classified as a small-cap stock. Relative to its peer group, PHPYF's quantitative score of 63/100 is roughly in line with the peer average of 67/100.
Company Profile
Pushpay Holdings Limited operates in the Software - Infrastructure industry within the Technology sector. It is headquartered in Auckland, NZ. The company is led by CEO Christopher Marshall Fowler. PHPYF has traded publicly since 2016.
F-Score 4/9Financial Health
Pushpay Holdings Limited's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 40.75 places it in the safe zone, indicating low near-term bankruptcy risk.
PHPYF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Specialized niche focus in the faith and non-profit sectors, leading to tailored solutions.
- Integrated ChurchStaq platform offers a comprehensive solution, enhancing customer stickiness.
- Strong gross margin of 68.2%, indicating efficient cost management relative to revenue.
- Established presence in key international markets including the US, Canada, Australia, and New Zealand.
Bear Case
- Reliance on specific sectors (faith, non-profit) makes it susceptible to sector-specific economic or social trends.
- Exposure to regulatory changes in digital payments across multiple jurisdictions.
- Operating on the OTC market, which can imply lower liquidity and transparency compared to major exchanges.
- Limited public information regarding specific competitive advantages or market share data.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
PHPYF Latest News
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Stocks That Hit 52-Week Highs On Tuesday
· Mar 24, 2020
PHPYF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PHPYF.
Price Targets
Wall Street price target analysis for PHPYF.
PHPYF MoonshotScore
What does this score mean?
The MoonshotScore rates PHPYF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Christopher Marshall Fowler
Unknown
Christopher Marshall Fowler serves as a key leader at Pushpay Holdings Limited, a technology company specializing in donor management and church management systems. While specific details regarding his educational background and prior career roles are not provided in the available data, his position involves managing a significant workforce of 578 employees. This indicates a role with substantial operational and strategic responsibilities within the organization.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Christopher Marshall Fowler's leadership are not detailed in the provided information. His track record is generally associated with overseeing the operations and strategic direction of Pushpay Holdings Limited, a company that has developed and expanded its donor management and church management solutions across multiple international markets since its incorporation in 2011.
PHPYF OTC Market Information
Pushpay Holdings Limited trades on the 'OTC Other' tier of the OTC market. This tier is typically for companies that do not meet the financial or disclosure requirements for OTCQX or OTCQB, the higher, more transparent tiers. Companies in the 'OTC Other' tier may not regularly provide financial reports or other information to the public, leading to significantly less transparency for investors compared to companies listed on major exchanges like the NYSE or NASDAQ. This classification often implies a higher level of risk due to limited public information and oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity and wider bid-ask spreads, making it harder to trade shares efficiently.
- Limited public disclosure and transparency, as the company's disclosure status is unknown, increasing information asymmetry.
- Higher price volatility due to thinner trading and less regulatory oversight.
- Potential for market manipulation given the less regulated environment and lower trading volumes.
- Limited analyst coverage and institutional investor interest, which can impact valuation and market awareness.
- Verify any available financial statements directly from the company or third-party sources, if possible.
- Research the company's management team and their track record beyond what is publicly stated.
- Thoroughly assess the business model, competitive landscape, and market trends for its specific niche.
- Understand the regulatory environment in all operating regions (US, Canada, Australia, New Zealand).
- Scrutinize all available news, press releases, and any potential regulatory filings, however infrequent.
- Evaluate the company's capital structure and any potential dilution risks.
- Consider the long-term viability of the company's products and services in a rapidly evolving tech sector.
- Incorporated in 2011, indicating a sustained operational history of over a decade.
- Provides specific, tangible products and services (donor management, church management systems, custom apps).
- Operates internationally across the United States, Canada, Australia, and New Zealand.
- Employs a substantial workforce of 578 individuals, suggesting a significant operational footprint.
- Has a defined target market within the faith sector, non-profit organizations, and education providers.
What Investors Ask About Pushpay Holdings Limited (PHPYF) — Technology
What does Pushpay Holdings Limited do?
Pushpay Holdings Limited specializes in providing comprehensive donor management and church management software solutions. The company offers a suite of tools including donor management systems, finance tools, and custom community apps primarily to the faith sector, non-profit organizations, and education providers. Its flagship integrated offering, ChurchStaq, combines giving, donor management, and church management functionalities with app access, enabling customers to enhance engagement, streamline payments, and manage administrative tasks. Pushpay's services facilitate stronger community relationships and operational efficiency for organizations across the United States, Canada, Australia, and New Zealand.
How does Pushpay Holdings Limited generate revenue and what are its key financial metrics?
Pushpay Holdings Limited primarily generates revenue through a Software as a Service (SaaS) model, charging subscription fees for access to its donor management and church management platforms. Additionally, the company earns revenue through transaction-based fees for processing digital payments and donations facilitated by its systems. Key financial metrics include a market capitalization of $992.40M, reflecting its overall market valuation. The company maintains a strong gross margin of 68.2%, indicating efficient cost management relative to its service offerings, and a profit margin of 16.5%. Its P/E ratio stands at 36.97, suggesting investor expectations for future growth, while a beta of 0.87 indicates lower volatility compared to the broader market.
What are the main risks for PHPYF?
Pushpay Holdings Limited faces several key risks. A significant risk is the potential for increased competition from both specialized donor management software providers and broader payment processing companies, which could pressure pricing and market share. The company's reliance on the faith and non-profit sectors exposes it to economic downturns or shifts in charitable giving trends, directly impacting its customer base's ability to afford or utilize its services. Furthermore, operating across multiple international markets means exposure to varying and evolving regulatory changes concerning data privacy and digital payment processing. As an OTC-traded stock, PHPYF also carries risks associated with lower liquidity, reduced transparency, and potentially higher price volatility compared to stocks on major exchanges.
What are the key factors to evaluate for PHPYF?
Pushpay Holdings Limited (PHPYF) holds an AI score of 63/100 (moderate). Not financial advice.
How frequently does PHPYF data refresh on this page?
PHPYF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PHPYF's recent stock price performance?
Pushpay Holdings Limited (PHPYF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized niche focus in the faith and non-profit sectors, leading to tailored solutions. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PHPYF overvalued or undervalued right now?
Valuing Pushpay Holdings Limited (PHPYF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PHPYF?
Before investing in Pushpay Holdings Limited (PHPYF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- CEO title and detailed background not provided in source data.
- Specific peer tickers not provided in source data.
- OTC disclosure status is unknown from source data.