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Home CompaniesPayPoint plc

PayPoint plc

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
722.5 GBX 10.50 ( 1.47%)
Last update at 2026-10-27T16:35:00Z
VOLUME
293102
Market Cap
361.63M
P/E
23.80

Momentum Score

…

PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through PayPoint and Love2shop segments. The PayPoint segment provides card payment services to retailers, including leased payment devices; ATM cash machines; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; open banking services; and digital payment services. The company offers its products under PayPoint One, eMoney, and MultiPay platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, convenience retailers in the commercial, not-for-profit, and public sectors. PayPoint plc was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
697.47
Low
728.00
High
52 Week Price Range
431.04
Low
823.92
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

PayPoint plc runs a network of retail payment terminals and digital payment services in the UK and selected international markets, enabling bill payments, top-ups and merchant services via convenience stores and online channels. Long-term growth may be driven by steady recurring transaction volumes from utilities and local services, expansion of parcel and digital offerings, and revenue from upgraded terminals expanding retailer services.
Principal risks are secular declines in cash reducing transactions, competition from banks and fintech squeezing margins, and execution challenges in shifting to digital services while maintaining retailer relationships.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
712.00
Dividend Yield
6.97%
Revenue TTM
311.05M
Revenue Per Share
4.76
Gross Profit TTM
126.23M
Debt / Equity
1.13
ROE
16.43%
Net Debt
72.30M
ROCE
15.53%
Diluted EPS TTM
0.25

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 26.29M 48.18M 42.57M 48.52M 19.44M
Minority interest -0.11M 0.00M - - -
Net income 19.19M 35.69M 34.71M 69.54M 21.53M
Selling general administrative 75.52M 78.72M 50.08M 48.75M 43.58M
Selling and marketing expenses - 0.02M - - -
Gross profit 136.43M 147.40M 103.47M 96.42M 80.47M
Reconciled depreciation 25.29M 20.66M 10.48M 10.57M 10.89M
Ebit 34.74M 56.59M 50.90M 47.68M 24.41M
Ebitda 60.03M 77.25M 61.37M 58.25M 35.30M
Depreciation and amortization 25.29M 20.66M 10.48M 10.57M 10.89M
Operating income 33.36M 56.30M 45.49M 50.55M 21.29M
Other operating expenses 277.36M 250.07M 116.91M 97.48M 103.36M
Interest expense 8.45M 8.41M 2.72M 2.05M 1.41M
Tax provision 6.99M 12.49M 7.86M 8.99M 4.33M
Interest income 1.38M 1.39M 0.09M 0.01M 0.02M
Net interest income -7.07M -7.02M -2.63M -2.03M -1.85M
Income tax expense 6.99M 12.49M 7.86M 8.99M 4.33M
Total revenue 310.71M 306.37M 167.72M 145.14M 127.75M
Total operating expenses 103.08M 91.10M 52.66M 48.75M 56.08M
Cost of revenue 174.28M 158.96M 64.26M 48.73M 47.28M
Total other income expense net -7.07M -8.12M -8.43M 0.79M -17.31M
Discontinued operations - - - 30.01M 6.42M
Net income from continuing ops 19.30M 35.69M 34.71M 39.53M 15.11M
Net income applicable to common shares - - 34.71M 69.54M 21.53M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 508.35M 519.11M 479.99M 232.13M 291.09M
Intangible assets 71.90M 67.05M 75.29M 35.99M 41.70M
Other current assets 121.21M 89.39M 159.63M 30.29M 96.77M
Total liab 411.03M 397.95M 368.27M 148.88M 251.62M
Total stockholder equity 93.21M 121.16M 111.71M 83.26M 39.47M
Other current liab 11.20M 108.68M 59.63M 1.00M 1.46M
Common stock 0.24M 0.24M 0.24M 0.23M 0.23M
Capital stock 0.24M 0.24M 0.24M 0.23M 0.23M
Retained earnings 70.25M 98.68M 89.94M 79.46M 32.91M
Other liab - - - 3.71M 7.26M
Good will 129.63M 117.43M 117.43M 57.67M 51.55M
Other assets - - 6.12M 5.16M 6.51M
Cash 33.19M 86.77M 78.45M 24.30M 38.94M
Total current liabilities 284.60M 301.03M 315.16M 133.22M 221.15M
Current deferred revenue - 4.23M 67.25M 74.03M 74.03M
Net debt 72.30M 12.00M 21.51M 27.50M 48.09M
Short term debt 1.03M 17.31M 59.18M 39.84M 63.82M
Short long term debt 0.27M 16.43M 58.31M 39.64M 63.63M
Short long term debt total 105.49M 98.77M 99.96M 51.79M 87.03M
Other stockholder equity 1.01M 1.00M 21.53M 3.57M 6.33M
Property plant equipment - - - 21.78M 21.38M
Total current assets 270.57M 296.60M 251.89M 104.80M 169.95M
Net tangible assets - - - -10.40M -53.78M
Net receivables 110.01M 117.18M 66.56M 66.52M 61.40M
Long term debt 102.04M 77.50M 36.17M 11.89M 22.96M
Inventory 6.16M 3.26M 3.15M 0.33M 1.06M
Accounts payable 272.37M 171.79M 129.10M 92.38M 81.84M
Accumulated other comprehensive income 21.72M 21.23M - - -
Common stock total equity - - - - 0.23M
Non currrent assets other 0.22M 0.29M -221.98M -122.18M 6.51M
Non current assets total 237.78M 222.51M 228.10M 127.34M 121.14M
Capital lease obligations 3.18M 4.83M 5.48M 0.26M 0.45M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -43.90M -16.33M -57.05M -6.74M -72.48M
Change to liabilities - - 3.69M -7.17M -1.29M
Total cashflows from investing activities -43.90M -16.33M -57.05M -4.67M -72.48M
Net borrowings 9.50M -0.48M - -35.29M 11.05M
Total cash from financing activities -34.08M -28.81M 17.06M -58.39M -10.34M
Change to operating activities - - 2.28M -8.15M 0.02M
Net income 26.29M 35.69M 42.57M 78.53M 26.99M
Change in cash -53.58M 8.84M 53.63M -40.51M -28.97M
Begin period cash flow 86.77M 77.93M 24.30M 64.81M 93.77M
End period cash flow 33.19M 86.77M 77.93M 24.30M 64.81M
Total cash from operating activities 24.39M 53.99M 93.61M 22.55M 55.44M
Issuance of capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Depreciation 25.29M 20.66M 10.48M 10.57M 10.89M
Other cashflows from investing activities -25.53M -5.23M -4.00M 18.17M 0.35M
Dividends paid 27.78M 27.32M 25.11M 23.10M 21.39M
Change to inventory -2.90M -0.11M 0.74M 0.07M -0.01M
Change to account receivables -8.48M -3.16M -2.15M -0.55M 1.67M
Sale purchase of stock -14.91M 0.00M 22.07M 61.47M 70.00M
Other cashflows from financing activities -0.89M -1.01M 42.17M -35.29M 11.05M
Change to netincome - - 43.96M -41.75M 22.03M
Capital expenditures 18.78M 16.21M 12.70M 10.81M 12.03M
Change in working capital -10.30M -11.79M 4.47M -15.80M 0.98M
Stock based compensation 2.02M 1.33M 1.33M 0.87M 1.07M
Other non cash items -18.91M 8.09M 1.73M -30.86M 1.26M
Free cash flow 5.62M 37.78M 80.91M 11.74M 43.41M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PAY
PayPoint plc		 10.50
1.47%		 722.50 23.80 10.32 1.16 3.61 1.00 5.66
EWG
W.A.G payment solutions plc		 -1.20
1.10%		 108.00 - 14.88 0.35 3.56 0.48 10.57
BYIT
Bytes Technology Ltd		 17.20
3.77%		 473.40 13.89 11.78 3.14 8.89 2.77 8.13
BOKU
Boku Inc		 -1.00
0.75%		 132.00 56.33 20.37 3.85 4.28 3.63 16.09
NCC
NCC Group plc		 -1.60
0.92%		 172.80 - 18.69 1.44 1.62 1.45 24.84

Profile*

PayPoint plc

PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through PayPoint and Love2shop segments. The PayPoint segment provides card payment services to retailers, including leased payment devices; ATM cash machines; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; open banking services; and digital payment services. The company offers its products under PayPoint One, eMoney, and MultiPay platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, convenience retailers in the commercial, not-for-profit, and public sectors. PayPoint plc was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.

1 The Boulevard, Welwyn Garden City, United Kingdom, AL7 1EL

44 1707 600 300

https://www.paypoint.com

939

Name Title Year Born
Mr. Nicholas Wiles CEO, Member of Exec. Board & Exec. Director 1962
Mr. Alan Dale A.C.A. Fin. Director, Member of Exec. Board & Exec. Director NA
Mr. Steve O'Neill Corp. Affairs & Marketing Director and Member of Exec. Board NA
Ms. Katy Wilde HR Director & Member of Exec. Board NA
Ms. Tanya Murphy Gen. Counsel, Head of Compliance & Legal and Member of Exec. Board NA
Mr. Danny Vant Client Services Director & Member of Exec. Board NA
Mr. Ben Ford Customer Experience Director & Member of Exec. Board NA
Mr. Mark Latham Banking Services Director & Member of Exec. Board NA
Mr. Simon Coles CTO & Member of Exec. Board NA
Ms. Anna Holness Sales Director & Member of Exec. Board NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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