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Payfare Inc. (PAY.TO)
Key financial summary
Financials in CAD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | CAD m | 4 | 6 | 13 | 44 | 130 | 186 | 217 |
| Operating profit | CAD m | 12 | 17 | |||||
| Net profit | CAD m | -13 | -32 | -28 | -22 | -3 | 13 | 19 |
| EPS reported | CAD | 0.27 | 0.39 | |||||
| Operating cashflow per share | CAD | 0.47 | 0.47 | |||||
| Capex per share | CAD | 0.12 | 0.12 | |||||
| FCF per share | CAD | 0.36 | 0.36 | |||||
| Free cash flow | CAD m | 17 | -10 | |||||
| Net debt | CAD m | -78 | -75 | |||||
| Book value equity | CAD m | 71 | 87 | |||||
| Book value per share | CAD | 1.47 | 1.76 | |||||
| Number of shares | m | 48.63 | 49.64 | |||||
| DPS (TTM paid) | CAD | 0.00 | 0.00 |
Financial summary
Financials in CAD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 23.00 | - | |||||
| P/B LTM | x | 4.15 | 2.21 | |||||
| P/S LTM | x | 1.59 | 0.89 | |||||
| P/FCF LTM | x | 17.36 | -19.07 | |||||
| EV/EBITDA LTM | x | 13.12 | 5.08 | |||||
| EV/Sales LTM | x | 1.17 | 0.55 | |||||
| Earnings Yield LTM | % | 4.35% | 6.89% | |||||
| FCF Yield | % | 5.76% | -5.24% | |||||
| Quality | ||||||||
| ROE | % | 18.42% | 21.72% | |||||
| ROIC | % | 16.28% | 16.28% | |||||
| Operating margin | % | 6.30% | 6.30% | |||||
| Gross margin | % | 13.98% | 13.98% | |||||
| FCF/Sales | % | 9.16% | 9.16% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | +68.98% | |||||
| Sales Growth YoY | % | +43.19% | +26.39% | |||||
| Net Income Growth YoY | % | - | +74.34% | |||||
| FCF Growth | % | +294.52% | - | |||||
| Operating Profit Growth | % | - | +86.66% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | - | -167.98 | |||||
| Net Debt/EBITDA | x | -4.71 | -4.71 | |||||
| EBIT/Net interest | x | 45,760.66 | 45,760.66 | |||||
| Net debt/market cap | % | -26.42% | -38.65% | |||||
| Net debt/Equity | x | -1.10 | -0.85 | |||||
| Gross debt/equity | x | 0.00 | 0.00 | |||||
Company overview
Founded in 2012 and headquartered in Vancouver, Canada, Payfare Inc. is a financial technology firm that delivers instant payment and digital banking solutions to individuals working in the gig economy across Canada, the United States, and Mexico. The company's core offering, the PayFare platform, grants users rapid access to their earnings alongside a comprehensive suite of banking functionalities, including ATM cash access, money transfers, bill payment services, and dedicated savings wallets.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Payfare Inc. (PAY.TO)
Founded in 2012 and headquartered in Vancouver, Canada, Payfare Inc. is a financial technology firm that delivers instant payment and digital banking solutions to individuals working in the gig economy across Canada, the United States, and Mexico. The company's core offering, the PayFare platform, grants users rapid access to their earnings alongside a comprehensive suite of banking functionalities, including ATM cash access, money transfers, bill payment services, and dedicated savings wallets.
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