Payfare Inc is a fintech company offering digital banking, instant payment, and loyalty-reward solutions. Its financial technology platform is providing financial inclusion and empowerment to next-generation workers around the globe with a full-service mobile bank account and debit card with instant access to their earnings and relevant cash-back rewards. The brands that use Payfare include Lyft, Uber, and DoorDash. Geographically, the company derives its maximum revenue from the United States. The company operates in Canada and has subsidiaries in the United States and Mexico.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	1244.23
Equity-to-Asset	0.24
Interest Coverage	6143.67
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.89	Distress Grey Safe
Beneish M-Score	-1.21	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	127.5

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	29.28
	9-Day RSI	30.85
	14-Day RSI	26.82
	6-1 Month Momentum %	-68.23
	12-1 Month Momentum %	-59.3

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.24
	Quick Ratio	1.24
	Cash Ratio	0.27
	Days Sales Outstanding	8.88

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-5
	Shareholder Yield %	-0.04

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	19.39
	Operating Margin %	8.5
	Net Margin %	8.94
	FCF Margin %	12.64
	ROE %	25.26
	ROA %	5.82
	ROIC %	7.62
	ROC (Joel Greenblatt) %	8807.03
	ROCE %	25.46
	Years of Profitability over Past 10-Year	1

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5.07
	Forward PE Ratio	10.59
	PE Ratio without NRI	4.68
	Price-to-Owner-Earnings	3.62
	PS Ratio	0.45
	PB Ratio	1.08
	Price-to-Tangible-Book	1.19
	Price-to-Free-Cash-Flow	3.55
	Price-to-Operating-Cash-Flow	2.83
	EV-to-EBIT	1.06
	EV-to-EBITDA	0.83
	EV-to-Revenue	0.1
	EV-to-Forward-Revenue	0.32
	EV-to-FCF	0.86
	Price-to-Graham-Number	0.5
	Price-to-Net-Current-Asset-Value	1.43
	Earnings Yield (Greenblatt) %	95
	FCF Yield %	28.8

Financials

Annual Quarterly TTM

TSX:PAY's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Payfare Inc Executives

Details

GF Value: C$9.01

TSX:PAY

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with PAY. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil C$)	216.869
	EPS (TTM) (C$)	0.39
	Beta	1.88
	Volatility %	92.51
	14-Day RSI	26.82
	14-Day ATR (C$)	0.100961
	20-Day SMA (C$)	2.064
	12-1 Month Momentum %	-59.3
	52-Week Range (C$)	1.76 - 8.9
	Shares Outstanding (Mil)	48.08

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Payfare Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Payfare Inc Stock Events

Financials Calendars

	Event	Date	Price(C$)
No Event Data

Payfare Inc Frequently Asked Questions

What is Payfare Inc(TSX:PAY)'s stock price today?

The current price of TSX:PAY is C$1.98. The 52 week high of TSX:PAY is C$8.90 and 52 week low is C$1.76.

When is next earnings date of Payfare Inc(TSX:PAY)?

The next earnings date of Payfare Inc(TSX:PAY) is .

Does Payfare Inc(TSX:PAY) pay dividends? If so, how much?

Payfare Inc(TSX:PAY) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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