Paypoint/£PAY
1D1W1MYTD1Y5YMAX
Capital at risk
About Paypoint
- Ticker
- £PAY
- Sector
- Finance
- Primary listing
- LSE
- Employees
- 945
- Headquarters
- Welwyn Garden City, United Kingdom
- Website
- www.paypoint.com
Paypoint Metrics
BasicAdvanced
£370M
10.74
£0.58
0.37
£0.90
14.29%
Price and volume
Market cap
£370M
Beta
0.37
52-week high
£7.65
52-week low
£4.38
Average daily volume
166K
Dividend rate
£0.90
Financial strength
Current ratio
0.959
Quick ratio
0.786
Long term debt to equity
1.757
Total debt to equity
1.875
Dividend payout ratio (TTM)
153.83%
Interest coverage (TTM)
6.95%
Profitability
EBITDA (TTM)
78.033
Gross margin (TTM)
42.83%
Net profit margin (TTM)
11.96%
Operating margin (TTM)
19.30%
Effective tax rate (TTM)
25.79%
Revenue per employee (TTM)
£350,000
Management effectiveness
Return on assets (TTM)
7.93%
Return on equity (TTM)
47.55%
Valuation
Price to earnings (TTM)
10.736
Price to revenue (TTM)
1.27
Price to book
5.13
Price to tangible book (TTM)
-3.29
Price to free cash flow (TTM)
4.156
Free cash flow yield (TTM)
24.06%
Free cash flow per share (TTM)
1.509
Dividend yield (TTM)
14.29%
Growth
Revenue change (TTM)
8.90%
Earnings per share change (TTM)
122.05%
3-year revenue growth (CAGR)
25.37%
10-year revenue growth (CAGR)
4.46%
3-year earnings per share growth (CAGR)
2.82%
10-year earnings per share growth (CAGR)
33.05%
3-year dividend per share growth (CAGR)
-0.23%
10-year dividend per share growth (CAGR)
-1.42%
Bulls say / Bears say
The company has returned £50 m to shareholders through the first two tranches of its share buyback programme, canceling 7.86 m shares and reducing share count by 17.7%, while commencing a third tranche targeting a further £30 m return, supporting EPS and capital efficiency (TradingView).
Strategic investments in digital payments and Open Banking are bearing fruit: the June 2026 acquisition of AperiData strengthens transaction categorisation and data services, MultiPay platform net revenue grew 17.9% Y/Y, and the BankLocal cash deposit service has gone live with Nationwide at over 3 000 sites, with plans to expand to 10 000 locations in FY27 (GlobeNewswire) (Annual Report).
Despite overall revenue growth, net revenue rose only 1.7% to £190.8 m in FY26, indicating margin pressure in core payments and network services amid competitive and evolving payment landscapes (LSE).
Net corporate debt increased to £132.5 m at 31 March 2026 from £97.4 m a year earlier, lifting leverage towards the 1.2–1.5× target range and potentially constraining balance-sheet flexibility as funding is directed to buybacks and investment (LSE).
In Q1 FY27, group net revenue fell 6.4% to £39.5 m (Q1 FY26: £42.2 m), with Network Services down 6.5% due to parcel segment rebasing under a new InPost commercial agreement and reduced store-to-store volumes, highlighting near-term headwinds in its traditional operations (LSE).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2026.
Upcoming events
Funds containing Paypoint
AllUSDGBP
Fund name | Fund size | £PAY weighting |
|---|---|---|
iShares Digitalisation$DGTL | $793M | 0.01% |
iShares Digitalisation£DGIT | £585M | 0.01% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by London Stock Exchange, through Infront.