Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PayPointPYPTF +9.07%88 EV-to-EBITDA is 5.03 as of Jul. 29, 2026, which is 42% below its 10-year median of 8.61. GuruFocus rates PYPTF with a GF Score™ of 88/100 and a GF Value™ of $9.55 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,957 Software companies, PayPoint ranks better than 81.35% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PayPoint's enterprise value is $580.7 Mil.
PayPoint's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $115.4 Mil. Therefore, PayPoint's EV-to-EBITDA for today is 5.03.
The historical rank and industry rank for PayPoint's EV-to-EBITDA or its related term are showing as below:
PYPTF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.59 Med: 8.61 Max: 51
Current: 5.03
During the past 13 years, the highest EV-to-EBITDA of PayPoint was 51.00. The lowest was 4.59. And the median was 8.61.
PYPTF's EV-to-EBITDA is ranked better than 81.35% of 1957
companies
in the Software industry
Industry Median: 10.4
vs PYPTF: 5.03
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
PayPoint (OTCPK:PYPTF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PayPoint's share price for today is $8.18.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. PayPoint's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.783.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for PayPoint's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PYPTF vs MSFT, ORCL, PLTR: EV-to-EBITDA Comparison
For the Software - Infrastructure subindustry, PayPoint's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PayPoint EV-to-EBITDA vs Software Industry
For the Software industry and Technology sector, PayPoint's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PayPoint's EV-to-EBITDA falls into.
PayPoint's current Enterprise Value is $580.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. PayPoint's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $115.4 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PayPoint (PYPTF) has a EV-to-EBITDA of 5.03 as of Jul. 29, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PayPoint. This is 42% below median its historical median of 8.61. Over the past decade, PayPoint's EV-to-EBITDA has ranged from 4.59 to 51.00. According to the industry distribution chart, PayPoint ranks #365 out of 1957 companies in the Software industry, placing it in the top 18.7%.
Is PayPoint's EV-to-EBITDA too high?
PayPoint's current EV-to-EBITDA of 5.03 is 42% below median its 10-year median of 8.61. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 51.00. The Software industry median EV-to-EBITDA is 10.40. PayPoint's value of 5.03 is 51.6% below this industry median. Based on the distribution chart, PayPoint ranks #365 out of 1957 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PayPoint has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's EV-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, PayPoint ranks #365 out of 1957 companies for EV-to-EBITDA. This places PayPoint in the top 19% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 10.40. PayPoint's value of 5.03 is 51.6% below this benchmark. Historically, PayPoint's own EV-to-EBITDA has ranged from 4.59 to 51.00 over the past decade. While the company's 10-year median is 8.61 vs. the industry median of 10.40, PayPoint has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Software company?
The median EV-to-EBITDA among Software companies is 10.40, based on 1,957 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPoint's current EV-to-EBITDA of 5.03 is 51.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PayPoint. For the Software industry, the median EV-to-EBITDA is 10.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPoint's current EV-to-EBITDA is 5.03, which is 42% below median its own 10-year median of 8.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PayPoint stock overvalued right now?
Based on GuruFocus' analysis, PayPoint (PYPTF) is currently considered Modestly Undervalued. The stock's GF Value™ is $9.55, compared to a current price of $8.18 — trading 14.3% below its estimated fair value. The current EV-to-EBITDA is 5.03, which is 42% below median its 10-year median of 8.61 and 51.6% below the Software industry median of 10.40. PayPoint's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For PayPoint (PYPTF), the current EV-to-EBITDA is 5.03 as of Jul. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PayPoint (PYPTF) Overvalued in 2026?
Based on GuruFocus' analysis, PayPoint stock appears to be undervalued.
The current stock price of $8.18 is trading 14.3% below its estimated GF Value™ of $9.55.
GuruFocus considers PayPoint to be Modestly Undervalued.
Key valuation signals for PYPTF:
EV-to-EBITDA: 5.03 (42% below median its 10-year median of 8.61)
GF Value™: $9.55 vs. price of $8.18 (14.3% below fair value)
Industry Position: 51.6% below the Software median (#365 of 1957)
No single metric tells the full story. See the PYPTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PayPoint PLC is a United Kingdom-based company that provides consumer transaction services. The company's solutions help clients control household finances, essential payments, and in-store services. The company's operations involve processing high-volume transactions, managing retailers and clients, selling funds, and transmitting data. PayPoint's network covers convenience stores and numerous outlets, where clients can use the company's solutions to make energy meter prepayments, bill payments, benefit payments, mobile phone top-ups, cash withdrawals, and other services. Its operating segments are; PayPoint which derives key revenue, and Love2shop. The company generates the majority of its revenue from the UK.
88GF Score
Get the complete analysis for PYPTF
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PYPTF has been successfully added to your 
