NAS:EPAY (USA) Also trade in: Germany

Bottomline Technologies Inc

$ 45.01 0.44 (0.99%)
Volume: 198,940 Avg Vol (1m): 261,130
Market Cap $: 1.96 Bil Enterprise Value $: 1.98 Bil
P/E (TTM): 97.85 P/B: 5.01
Earnings Power Value -0.43
Net Current Asset Value -2.04
Tangible Book 0.03
Projected FCF 16.11
Median P/S Value 33.39
Graham Number 0.58
Peter Lynch Value 2.64
DCF (FCF Based) 14.3
DCF (Earnings Based) 4.92
1Y (-%)

Financial Strength : 7/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 0.84
Cash-To-Debt ranked lower than
72.06% of 2180 companies
in the Software - Application industry.
Industry Max: 52661, Med: 5.23, Min: 0.01
EPAY: 0.84
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.51, Med: 10000, Max: 10000
Current: 0.84
0.51
10000
Equity-to-Asset 0.57
Equity-to-Asset ranked lower than
52.06% of 2115 companies
in the Software - Application industry.
Industry Max: 1.55, Med: 0.6, Min: -56.05
EPAY: 0.57
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.42, Med: 0.67, Max: 0.84
Current: 0.57
0.42
0.84
Debt-to-Equity 0.29
Debt-to-Equity ranked lower than
54.14% of 1267 companies
in the Software - Application industry.
Industry Max: 248.23, Med: 0.27, Min: 0.01
EPAY: 0.29
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 0.38, Max: 0.7
Current: 0.29
0.01
0.7
Debt-to-EBITDA 1.98
Debt-to-EBITDA ranked lower than
62.05% of 1112 companies
in the Software - Application industry.
Industry Max: 5506.28, Med: 1.26, Min: 0.01
EPAY: 1.98
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 2.76, Med: 4.52, Max: 8.85
Current: 1.98
2.76
8.85
Interest Coverage 1.08
Interest Coverage ranked lower than
96.12% of 1702 companies
in the Software - Application industry.
Industry Max: 14867928, Med: 46.64, Min: 0.01
EPAY: 1.08
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 0.52, Med: 107.06, Max: 315.65
Current: 1.08
0.52
315.65
Piotroski F-Score 7
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 4.56
DISTRESS
GREY
SAFE
Beneish M-Score -3.24
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 3.66%
WACC 10.23%

Profitability & Growth : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 1.28
Operating Margin ranked lower than
61.47% of 2144 companies
in the Software - Application industry.
Industry Max: 678.59, Med: 4.91, Min: -510650
EPAY: 1.28
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: -8.64, Med: -0.53, Max: 5.21
Current: 1.28
-8.64
5.21
Net Margin % 4.13
Net Margin ranked higher than
50.70% of 2144 companies
in the Software - Application industry.
Industry Max: 990.53, Med: 3.58, Min: -307550
EPAY: 4.13
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -10.48, Med: -5.69, Max: 18.95
Current: 4.13
-10.48
18.95
ROE % 5.13
ROE ranked lower than
53.59% of 2062 companies
in the Software - Application industry.
Industry Max: 1271.48, Med: 6.36, Min: -234428.57
EPAY: 5.13
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -11.9, Med: -4.71, Max: 14.47
Current: 5.13
-11.9
14.47
ROA % 2.74
ROA ranked lower than
51.75% of 2199 companies
in the Software - Application industry.
Industry Max: 3269.23, Med: 2.95, Min: -16416.67
EPAY: 2.74
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -6.43, Med: -2.94, Max: 11.35
Current: 2.74
-6.43
11.35
ROC (Joel Greenblatt) % 36.26
ROC (Joel Greenblatt) ranked higher than
58.11% of 2165 companies
in the Software - Application industry.
Industry Max: 85250, Med: 23.63, Min: -99999999.99
EPAY: 36.26
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: -103.61, Med: -5.23, Max: 68.53
Current: 36.26
-103.61
68.53
3-Year Total Revenue Growth Rate 6.00
3-Year Revenue Growth Rate ranked lower than
55.66% of 1829 companies
in the Software - Application industry.
Industry Max: 1196.4, Med: 6.3, Min: -100
EPAY: 4.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -6.4, Med: 3.85, Max: 18.7
Current: 4.6
-6.4
18.7
3-Year Total EBITDA Growth Rate 11.40
3-Year EBITDA Growth Rate ranked higher than
51.83% of 1588 companies
in the Software - Application industry.
Industry Max: 1165.1, Med: 9.1, Min: -450.9
EPAY: 9.9
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: -5.5, Max: 147.8
Current: 9.9
0
147.8

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Business Description

Industry Application Software » Software - Application    NAICS : 511210    SIC : 7372
Compare NYSE:LXFT NAS:NTCT NYSE:PRO XMAD:IDR NAS:PRGS SHSE:600410 NAS:ARCE ASX:APX NAS:SPSC SZSE:300212 LSE:PRSM NAS:CVLT SZSE:300496 NAS:MDRX NAS:SVMK SHSE:600718 TSE:2492 LSE:IHP ASX:IRE BSP:TOTS3
Traded in other countries BOT.Germany
Address 325 Corporate Drive, Portsmouth, NH, USA, 03801-6808
Bottomline Technologies Inc is a provider of cloud-based payment solutions that include financial messaging, digital banking, fraud prevention, payment, and financial documentation capabilities. The firm's flagship product, Paymode-X, is a cloud-based payment network that allows businesses to transition from paper-based to electronic payments. The company derives revenue from transaction-based fees and subscription fees to its Software-as-a-Service solutions that are typically sold on an annual basis. A majority of the firm's revenue is generated in the United States, but it has a presence in the United Kingdom, Europe, Asia-Pacific, and Middle East regions.

Ratios

Current vs industry vs history
PE Ratio (TTM) 97.85
PE Ratio ranked lower than
91.53% of 1475 companies
in the Software - Application industry.
Industry Max: 10600, Med: 24.79, Min: 0.01
EPAY: 97.85
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 18.29, Med: 103.67, Max: 25280
Current: 97.85
18.29
25280
Forward PE Ratio 31.25
Forward P/E ranked lower than
64.69% of 456 companies
in the Software - Application industry.
Industry Max: 2500, Med: 26.18, Min: 2.66
EPAY: 31.25
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 97.85
PE without NRI ranked lower than
92.08% of 1414 companies
in the Software - Application industry.
Industry Max: 10600, Med: 24.46, Min: 0.01
EPAY: 97.85
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 18.29, Med: 103.67, Max: 25280
Current: 97.85
18.29
25280
Price-to-Owner-Earnings 54.43
Price-to-Owner-Earnings ranked lower than
73.12% of 826 companies
in the Software - Application industry.
Industry Max: 2445, Med: 25.26, Min: 0.08
EPAY: 54.43
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 16.81, Med: 60.57, Max: 771.11
Current: 54.43
16.81
771.11
PB Ratio 5.01
PB Ratio ranked lower than
71.44% of 2262 companies
in the Software - Application industry.
Industry Max: 5500, Med: 2.93, Min: 0.01
EPAY: 5.01
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.02, Med: 2.92, Max: 8.93
Current: 5.01
1.02
8.93
PS Ratio 4.45
PS Ratio ranked lower than
67.90% of 2268 companies
in the Software - Application industry.
Industry Max: 285714.29, Med: 2.86, Min: 0
EPAY: 4.45
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.87, Med: 3.3, Max: 7.19
Current: 4.45
0.87
7.19
Price-to-Free-Cash-Flow 37.29
Price-to-Free-Cash-Flow ranked higher than
54.44% of 924 companies
in the Software - Application industry.
Industry Max: 2237.2, Med: 28.2, Min: 0.08
EPAY: 37.29
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 9.56, Med: 28.01, Max: 64.46
Current: 37.29
9.56
64.46
Price-to-Operating-Cash-Flow 18.25
Price-to-Operating-Cash-Flow ranked higher than
53.68% of 1181 companies
in the Software - Application industry.
Industry Max: 6271.25, Med: 20.26, Min: 0.04
EPAY: 18.25
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 7.2, Med: 18.35, Max: 36.05
Current: 18.25
7.2
36.05
EV-to-EBIT 161.27
EV-to-EBIT ranked lower than
93.88% of 1537 companies
in the Software - Application industry.
Industry Max: 119475.88, Med: 18.1, Min: 0.05
EPAY: 161.27
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -2004.1, Med: -26.9, Max: 2114.2
Current: 161.27
-2004.1
2114.2
EV-to-EBITDA 35.57
EV-to-EBITDA ranked lower than
78.39% of 1661 companies
in the Software - Application industry.
Industry Max: 64649.64, Med: 14.06, Min: 0.01
EPAY: 35.57
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 10.3, Med: 28, Max: 76.5
Current: 35.57
10.3
76.5
EV-to-Revenue 4.70
EV-to-Revenue ranked lower than
68.29% of 2327 companies
in the Software - Application industry.
Industry Max: 295554.27, Med: 2.52, Min: 0.01
EPAY: 4.7
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.6, Med: 3.2, Max: 7.3
Current: 4.7
0.6
7.3
PEG Ratio 6.99
PEG Ratio ranked lower than
90.31% of 650 companies
in the Software - Application industry.
Industry Max: 288.5, Med: 1.89, Min: 0.02
EPAY: 6.99
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.24, Med: 5.88, Max: 564.29
Current: 6.99
0.24
564.29
Current Ratio 1.57
Current Ratio ranked lower than
51.13% of 2075 companies
in the Software - Application industry.
Industry Max: 672.73, Med: 1.93, Min: 0.01
EPAY: 1.57
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.7, Med: 2.15, Max: 5.86
Current: 1.57
0.7
5.86
Quick Ratio 1.57
Quick Ratio ranked higher than
52.63% of 2075 companies
in the Software - Application industry.
Industry Max: 672.73, Med: 1.78, Min: 0.01
EPAY: 1.57
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.7, Med: 2.15, Max: 5.82
Current: 1.57
0.7
5.82
Days Sales Outstanding 66.23
Days Sales Outstanding ranked higher than
62.87% of 2082 companies
in the Software - Application industry.
Industry Max: 989.79, Med: 66.86, Min: 0.02
EPAY: 66.23
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 60.11, Med: 67.97, Max: 80.05
Current: 66.23
60.11
80.05
Days Payable 23.20
Days Payable ranked lower than
75.56% of 1870 companies
in the Software - Application industry.
Industry Max: 2567.37, Med: 44.89, Min: 0.02
EPAY: 23.2
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 20.33, Med: 30.72, Max: 45.48
Current: 23.2
20.33
45.48

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -2.30
3-Year Share Buyback Rate ranked higher than
56.27% of 1507 companies
in the Software - Application industry.
Industry Max: 100, Med: -3.3, Min: -1487.4
EPAY: -2.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -19.8, Med: -7.9, Max: 0
Current: -2.3
-19.8
0

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1406.56
Price-to-Tangible-Book ranked lower than
100.00% of 2013 companies
in the Software - Application industry.
Industry Max: 5500, Med: 4.54, Min: 0.01
EPAY: 1406.56
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 2.54, Med: 6.91, Max: 1565.31
Current: 1406.56
2.54
1565.31
Price-to-Projected-FCF 2.79
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
65.16% of 907 companies
in the Software - Application industry.
Industry Max: 650.5, Med: 2.08, Min: 0.01
EPAY: 2.79
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.87, Med: 1.88, Max: 5.26
Current: 2.79
0.87
5.26
Price-to-DCF (Earnings Based) 9.15
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
97.85% of 186 companies
in the Software - Application industry.
Industry Max: 52.79, Med: 1.56, Min: 0.13
EPAY: 9.15
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 10.18, Med: 14.43, Max: 19.39
Current: 9.15
10.18
19.39
Price-to-Median-PS-Value 1.35
Price-to-Median-PS-Value ranked lower than
75.27% of 2062 companies
in the Software - Application industry.
Industry Max: 78, Med: 1, Min: 0.02
EPAY: 1.35
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.25, Med: 0.86, Max: 3.62
Current: 1.35
0.25
3.62
Price-to-Peter-Lynch-Fair-Value 17.05
Price-to-Peter-Lynch-Fair-Value ranked lower than
99.33% of 449 companies
in the Software - Application industry.
Industry Max: 169, Med: 1.62, Min: 0.01
EPAY: 17.05
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.78, Med: 5.44, Max: 823
Current: 17.05
0.78
823
Price-to-Graham-Number 77.60
Price-to-Graham-Number ranked lower than
100.00% of 1170 companies
in the Software - Application industry.
Industry Max: 84.5, Med: 2.19, Min: 0.01
EPAY: 77.6
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 2.17, Med: 4.19, Max: 94.96
Current: 77.6
2.17
94.96
Earnings Yield (Joel Greenblatt) % 0.62
Earnings Yield (Greenblatt) ranked lower than
59.22% of 2413 companies
in the Software - Application industry.
Industry Max: 2103.44, Med: 2.07, Min: -5000
EPAY: 0.62
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -17.1, Med: -0.2, Max: 2.6
Current: 0.62
-17.1
2.6
Forward Rate of Return (Yacktman) % 8.02
Forward Rate of Return ranked lower than
56.23% of 939 companies
in the Software - Application industry.
Industry Max: 34548.51, Med: 10.12, Min: -301.2
EPAY: 8.02
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -0.3, Med: 11.5, Max: 24.2
Current: 8.02
-0.3
24.2

More Statistics

Revenue (TTM) (Mil) $ 420.19
EPS (TTM) $ 0.46
Beta 1.03
Volatility % 42.11
52-Week Range $ 39.78 - 74.05
Shares Outstanding (Mil) 43.5

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 7
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy N
Higher Gross Margin yoy Y
Higher Asset Turnover yoy Y