PayPointPYPTF 78 EV-to-FCF is 3.63 as of Jul. 02, 2026, which is 73% below its 10-year median of 13.47. GuruFocus rates PYPTF with a GF Score™ of 78/100 and a GF Value™ of $9.92 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,590 Software companies, PayPoint ranks better than 88.49% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PayPoint's Enterprise Value is $492.6 Mil.
PayPoint's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $135.6 Mil. Therefore, PayPoint's EV-to-FCF for today is 3.63.
The historical rank and industry rank for PayPoint's EV-to-FCF or its related term are showing as below:
PYPTF'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.72 Med: 13.47 Max: 133.56
Current: 3.72
During the past 13 years, the highest EV-to-FCF of PayPoint was 133.56. The lowest was 3.72. And the median was 13.47.
PYPTF's EV-to-FCF is ranked better than 88.49% of 1590
companies
in the Software industry
Industry Median: 14.175
vs PYPTF: 3.72
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $7.50.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PayPoint EV-to-FCF Related Terms
PayPoint EV-to-FCF Historical Data
* Premium members only.
The historical data trend for PayPoint's EV-to-FCF 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.
For the Software - Infrastructure subindustry, PayPoint's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Software Industry
For the Software industry and Technology sector, PayPoint's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PayPoint's EV-to-FCF falls into.
PayPoint's current Enterprise Value is $492.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. PayPoint's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $135.6 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-FCF of 3.63 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PayPoint and its competitors. This is 73% below median its historical median of 13.47. Over the past decade, PayPoint's EV-to-FCF has ranged from 3.72 to 133.56. According to the industry distribution chart, PayPoint ranks #183 out of 1590 companies in the Software industry, placing it in the top 11.5%.
Is PayPoint's EV-to-FCF too high?
PayPoint's current EV-to-FCF of 3.63 is 73% below median its 10-year median of 13.47. Over the past 10 years, this metric has ranged from a low of 3.72 to a high of 133.56. The Software industry median EV-to-FCF is 14.18. PayPoint's value of 3.63 is 74.4% below this industry median. Based on the distribution chart, PayPoint ranks #183 out of 1590 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PayPoint has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's EV-to-FCF compare to MSFT and ORCL?
According to the Software industry distribution chart, PayPoint ranks #183 out of 1590 companies for EV-to-FCF. This places PayPoint in the top 12% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 14.18. PayPoint's value of 3.63 is 74.4% below this benchmark. Historically, PayPoint's own EV-to-FCF has ranged from 3.72 to 133.56 over the past decade. While the company's 10-year median is 13.47 vs. the industry median of 14.18, 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-FCF for a Software company?
The median EV-to-FCF among Software companies is 14.18, based on 1,590 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPoint's current EV-to-FCF of 3.63 is 74.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PayPoint and its competitors. For the Software industry, the median EV-to-FCF is 14.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPoint's current EV-to-FCF is 3.63, which is 73% below median its own 10-year median of 13.47. 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 $9.92, compared to a current price of $7.50 — trading 24.4% below its estimated fair value. The current EV-to-FCF is 3.63, which is 73% below median its 10-year median of 13.47 and 74.4% below the Software industry median of 14.18. PayPoint's overall GF Score™ is 78/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PayPoint (PYPTF), the current EV-to-FCF is 3.63 as of Jul. 02, 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 $7.50 is trading 24.4% below its estimated GF Value™ of $9.92.
GuruFocus considers PayPoint to be Modestly Undervalued.
Key valuation signals for PYPTF:
EV-to-FCF: 3.63 (73% below median its 10-year median of 13.47)
GF Value™: $9.92 vs. price of $7.50 (24.4% below fair value)
Industry Position: 74.4% below the Software median (#183 of 1590)
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.
78GF Score
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