PayPoint plc
PayPoint operates as a payment solutions provider, offering services to facilitate financial transactions for businesses and consumers, primarily through its network of payment terminals and digital platforms.
Business. PayPoint plc (PAYP.L) is a business support services company operating within the Industrial & Commercial Services sector. The firm generates service revenue and is headquartered in the United Kingdom, with its primary listing on the London Stock Exchange. Specific details regarding operating segments and geographic revenue mix are not disclosed in the available data.
Analyst recommendations
3 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
PayPoint plc (PAYP.L) is a business support services company operating within the Industrial & Commercial Services sector. The firm generates service revenue and is headquartered in the United Kingdom, with its primary listing on the London Stock Exchange. Specific details regarding operating segments and geographic revenue mix are not disclosed in the available data.
PayPoint's capital structure is characterized by a debt-to-equity ratio of 1.13, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a current ratio of 0.95, suggesting limited short-term liquidity cushion. Free cash flow is negative at -1.96 million GBP, while operating cash flow stands at 24.39 million GBP, highlighting a mismatch between operating performance and capital expenditure outflows.
Profitability metrics show a return on equity of 20.59% and a return on assets of 3.78%, both below the industry median for Business Support Services. The net profit margin is 6.18% (19.19 million GBP net income on 310.71 million GBP revenue), which is also below the sector average. The company's operating margin of 10.74% (33.36 million GBP operating income) reflects moderate operational efficiency but lags behind top performers in the industry.
Geographically, PayPoint's revenue is concentrated in the UK, with no material international exposure disclosed. Segment-wise, the company operates as a single business unit, with no material diversification across product lines or customer bases. This concentration increases vulnerability to domestic economic shifts and regulatory changes.
Growth trajectory is mixed. Revenue in the latest period was 310.71 million GBP, with no prior-year data provided for comparison. Analysts project a wide range of price targets from 420.00 GBP to 1,100.00 GBP, with a mean of 825.00 GBP and a median of 955.00 GBP. The mean recommendation score of 2.00 suggests a cautiously optimistic outlook, though the absence of "buy" ratings indicates limited consensus on upside potential.
Risk factors include medium liquidity risk due to a current ratio below 1 and negative net cash after subtracting total debt. Dilution risk is assessed as low, with no near-term pressure from share issuance or convertible debt. However, the company's free cash flow deficit and capital expenditure of 18.78 million GBP raise concerns about long-term financial flexibility.
Recent events include no material filings or transcripts disclosed in the input data. The company's capital structure and operational performance suggest a focus on maintaining its existing payment infrastructure rather than pursuing aggressive expansion. Analysts' divergent price targets reflect uncertainty about the company's ability to scale or differentiate in a competitive market.
- PayPoint's debt-to-equity ratio of 1.13 and current ratio of 0.95 indicate a moderate liquidity risk and limited short-term financial flexibility.
- Return on equity of 20.59% is strong but not sufficient to outperform the Business Support Services industry median.
- Revenue concentration in the UK and lack of segment diversification increase exposure to domestic economic and regulatory risks.
- Analysts' price targets range widely from 420.00 GBP to 1,100.00 GBP, with a mean of 825.00 GBP and a median of 955.00 GBP, reflecting uncertainty about future performance.
- Free cash flow is negative at -1.96 million GBP, signaling potential challenges in funding capital expenditures and shareholder returns.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,76 |
| Revenue | —no estimate | —no estimate | 190,6M GBP |
| Operating income | —no estimate | —no estimate | 76,8M GBP |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- See Remarks · Stock Options (Right to Buy) → Common SharesDisposed 3 400 @ $8,11exercise · 2026-06-10
- See Remarks · Stock Options (Right to Buy) → Common SharesDisposed 4 800 @ $8,11exercise · 2026-06-09
- Director, See Remarks · Stock Options (Right to Buy) → Common SharesDisposed 2 600 @ $8,11exercise · 2026-06-09
- Director · Stock Options (Right to Buy) → Common SharesDisposed 54 400 @ $8,11exercise · 2026-06-08
- See Remarks · Stock Options (Right to Buy) → Common SharesDisposed 5 000 @ $8,30exercise · 2026-05-12
- See Remarks · Stock Options (Right to Buy) → Common SharesDisposed 10 200 @ $8,14exercise · 2026-04-07
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- PayPoint plc Market data — financials · 2026-05-28
- PayPoint plc Market data — analyst estimates · 2026-05-28
- PayPoint plc Market data — ESG · 2026-05-28
Ownership & reference
Leadership
- Nick WilesChief Executive Officer, Executive Director
Insider activity
- See Remarks · Common SharesOther 3 400 @ $8,11$28K · 2026-06-10
- See Remarks · Common SharesOther 4 800 @ $8,11$39K · 2026-06-09
- Director, See Remarks · Common SharesOther 2 600 @ $8,11$21K · 2026-06-09
- Director · Common SharesOther 54 400 @ $8,11$441K · 2026-06-08
- See Remarks · Common SharesOther 5 000 @ $8,30$42K · 2026-05-12
- See Remarks · Common SharesOther 10 200 @ $8,14$83K · 2026-04-07