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PayPoint plcPAY.LCompetitor analysis, valuation and peers

United Kingdom · GBP·Industrials›Miscellaneous Commercial Services
Momentum leader 90
Mkt cap
$580M
US dollars, full cap
Free float
54%
of shares outstanding
$/day
$1.98M
20-day average traded
Fwd P/E
9.2×
forward earnings
ROIC−WACC
+70.0 pp
WACC 7.3%
Hurdle
-37 pp
Req g minus delivered
Next earnings
13 days
19 Nov 2026
Close · GBP£740.00
1D-0.1%
1W+2.6%
1M+13.0%
3M+23.9%
6M+24.9%
YTD+56.3%
1Y+7.7%
ATR %4.6%
52w lowhigh4.5% off high

What PayPoint does

Employees: 945

PayPoint at a glance

Size PayPoint (PAY.L) is a United Kingdom Industrials company (Miscellaneous Commercial Services) with a market value of $580M, the 277th largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £740.00 on 6 Nov 2026.

Performance Over six months the shares gained 24.9%, against -24.8% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — 3rd highest of 21 in its peer set.

Growth Revenue grew 8.5% over the last twelve months (peer median +16.8%); the operating margin is 21.3% (peer median 6.3%).

Valuation It trades at 9.2× forward earnings against a peer median of 16.6× (cheapest of 11).

Price implies For today's price to make sense, revenue must grow about -16% a year for seven years (Req g). Recent delivered growth is +21%, so the hurdle is -37 pp: the price already allows for a slowdown.

Capital Return on invested capital runs 70.0 points above its cost of capital (7.3% WACC).

Next results Next results expected around 19 Nov 2026 (exchange calendar; dates can move).

Relative performance

8010012011 May 202611 Aug 20266 Nov 2026PAY.L 125Peer median 76
Six months, rebased to 100: PayPoint against the median of its 20 peers (local-currency closes).

PayPoint financials

Reported figures in GBP; fiscal year ends 2026-03-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue£337M£337M£311M£306M£168M
Revenue growth—+8%+1%+83%—
Gross profit£141M£141M£124M£136M£100M
EBITDA£92.0M£92.7M£77.7M£82.3M£62.5M
Net income£39.3M£39.3M£19.2M£35.7M£34.7M
Free cash flow£37.5M£37.5M£48.4M£39.1M£85.9M
Capital expenditure£21.6M£21.6M£18.8M£16.2M£12.7M
Total debtn/a£142M£105M£98.8M£100M

Quarterly statements and history in the cockpit →

PayPoint competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-40%-20%0%+20%+40%-20%-10%0%+10%FM301325300197SIS30091630162200303200300436253265DATA30117260072130144660306040713015487199300215301456PAY.L6-month return →1-month return →
Up and to the right = strong over both horizons. PayPoint is the large dot.

Fundamentals: revenue growth against valuation

-50%0%+50%10×20×30×FM301325SIS003032DATA6030604071301548301456PAY.LRevenue growth (TTM) →Forward P/E →
Further right = faster growth; higher = more expensive. The dashed lines are the peer medians. PayPoint is the large dot.

Capital: growth delivered against growth the price implies

-20%0%+20%+40%+60%-25%0%25%50%FM300197SISDATA30117260072160306040713015487199300215PAY.LGrowth delivered (Del g) →Growth the price implies (Req g, 7 yrs) →
Above the diagonal = the price needs more growth than the company has been delivering; below = the price already allows for a slowdown. PayPoint is the large dot.

PayPoint competitors and peer comparison

How PayPoint compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

PayPoint against its 20 peers (data as of 6 Nov 2026)
MeasurePAY.LPeer medianRank in peer set
1-month return+13.0%-7.6%highest of 21
6-month return+24.9%-24.8%3rd highest of 21
Distance from 52-week high-4.5%-42.6%highest of 21
Revenue growth (TTM)+8.5%+16.8%8th lowest of 21
Operating margin21.3%6.3%4th highest of 21
Forward P/E9.2×16.6×cheapest of 11
Growth the price implies (Req g, 7 yrs)-15.9%8.1%least demanding of 12
Growth delivered (Del g)+21.4%+12.5%4th highest of 12
Hurdle (Req g minus delivered)-37.3 pp-0.7 pp2nd least demanding of 12
ROIC minus cost of capital+70.0 pp-0.6 pphighest of 19
EV / EBITDA4.6×4.8×2nd cheapest of 5
Net debt / EBITDA-0.1×1.0×3rd least indebted of 6

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthOp. marginForward P/EReq gDelivered g
PayPoint PAY.LUnited Kingdom$580M+25%+8%21%9.2×-15.9%+21.4%
Fiera Milano FM.MIItaly$581M-15%+46%22%15.3×-5.8%+38.8%
Shenzhen Manst Technology 301325.SZChina$578M-38%-62%-38%21.3×n/an/a
CECEP Techand Ecology and Environment 300197.SZChina$571M+8%+21%-271%n/a29.2%-26.5%
SIS SIS.NSIndia$570M-4%+25%3%13.4×3.4%+11.9%
Shenzhen Longtech Smart Control 300916.SZChina$589M-27%-2%3%n/an/an/a
Baotou INST Magnetic New Materials 301622.SZChina$570M-40%+3%-1%n/an/an/a
Jiangsu Chuanzhiboke Education Technology 003032.SZChina$569M+43%+60%-18%36.9×n/an/a
Beijing Telesound Electronics 003004.SZChina$568M+45%+26%-1%n/an/an/a
Shanghai FourSemi Semiconductor 3625.HKHong Kong$592M-69%+3%-16%n/an/an/a
Winstek Semiconductor 3265.TWOTaiwan$593M-24%+15%20%n/an/an/a
GlobalData DATA.LUnited Kingdom$564M-37%+9%31%10.3×-7.8%+12.5%
Sichuan Joyou Digital Technologies 301172.SZChina$563M-40%+18%4%n/a57.4%+6.3%
Xinjiang Baihuacun Pharam Tech 600721.SSChina$560M+15%-19%10%n/a36.3%+36.9%
Jiangxi First Hydraulic 301446.SZChina$601M-5%+33%10%n/an/an/a
China Testing & Certification International 603060.SSChina$602M-25%-6%4%31.2×12.0%+12.1%
Plus Alpha Consulting 4071.TJapan$602M+3%+13%39%17.9×2.9%+29.3%
Hunan SUND Technological 301548.SZChina$557M-42%+23%21%19.9×18.4%+13.8%
Premium 7199.TJapan$556M+18%+21%20%12.4×-13.1%+20.6%
Suzhou Electrical Apparatus Science Academy 300215.SZChina$605M-36%+8%9%n/a8.1%-4.9%
Qingdao Paguld Intelligent Manufacturing 301456.SZChina$555M-26%+29%13%15.1×n/an/a

Questions

Which companies are PayPoint's closest peers?
The cockpit's peer set: Fiera Milano (FM.MI), Shenzhen Manst Technology (301325.SZ), CECEP Techand Ecology and Environment (300197.SZ), SIS (SIS.NS), Shenzhen Longtech Smart Control (300916.SZ), Baotou INST Magnetic New Materials (301622.SZ), Jiangsu Chuanzhiboke Education Technology (003032.SZ), Beijing Telesound Electronics (003004.SZ).
Is PayPoint expensive compared with its peers?
On forward p/e it trades at 9.2× against a peer median of 16.6×, cheapest of 11 in its peer set. For today's price to make sense, revenue must grow about -16% a year for seven years (Req g). Recent delivered growth is +21%, so the hurdle is -37 pp: the price already allows for a slowdown.
How has PayPoint stock performed?
Over six months to 6 Nov 2026 the shares returned +24.9% against -24.8% for the median peer; over one year +7.7%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.