PayPoint plc (PAY) Fair Value & Analysis
Technology · GB · Market cap 339M GBX
Fair value as of: Jun 24, 2026
From 26 valuation models · updated 5 days ago
Fair value updated Jun 24, 2026 — revised from £4.11 to £5.47 (+33.1%) since Jun 23, 2026. Share price +0.3% over the past month.
Price vs Fair Value (12 months)
12‑month range £4.20 – £7.87 · fair‑value band £3.83 – £7.11 · the £5.64 price screens above the £5.47 fair value. As of Jun 24, 2026.
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PayPoint plc (PAY) currently trades at £5.64, while our model-based Fair Value estimate is £5.47 — implying the stock looks roughly 3.0% overvalued today. We read business quality at 94/100 (high quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, PayPoint plc generated revenue of £311M at a net margin of 5.3%. Revenue grew 7.1% year over year. It earns a return on equity of 16.4%. Net debt stands at £72.3M. Fundamentals as of Jun 24, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 24, 2026. TTM = trailing twelve months.
About the company
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 secto…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PayPoint plc reported revenue of £311M in FY2025 versus £128M in FY2021, a compound +24.9%/yr. Reported net income was £19.2M in FY2025, compounding −3.7%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.