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Paya Holdings Piotroski F-Score

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The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Paya Holdings has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.

The historical rank and industry rank for Paya Holdings's Piotroski F-Score or its related term are showing as below:

During the past 4 years, the highest Piotroski F-Score of Paya Holdings was 9999. The lowest was 6. And the median was 6.


Paya Holdings Piotroski F-Score Historical Data

The historical data trend for Paya Holdings's Piotroski F-Score 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.

* Premium members only.

Paya Holdings Annual Data
Trend Dec18 Dec19 Dec20 Dec21
Piotroski F-Score
N/A N/A N/A 6.00

Paya Holdings Quarterly Data
Dec18 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22
Piotroski F-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A 6.00 N/A N/A

Competitive Comparison

For the Software - Infrastructure subindustry, Paya Holdings's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.

   

Paya Holdings Piotroski F-Score Distribution

For the Software industry and Technology sector, Paya Holdings's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where Paya Holdings's Piotroski F-Score falls into.


How is the Piotroski F-Score calculated?

* 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.

This Year (Jun22) TTM:Last Year (Jun21) TTM:
Net Income was -2.961 + 4.259 + 2.212 + 1.646 = $5.2 Mil.
Cash Flow from Operations was 6.919 + 17.972 + 4.061 + 12.868 = $41.8 Mil.
Revenue was 63.058 + 67.059 + 65.993 + 72.492 = $268.6 Mil.
Gross Profit was 32.554 + 34.654 + 34.75 + 36.751 = $138.7 Mil.
Average Total Assets from the begining of this year (Jun21)
to the end of this year (Jun22) was
(627.207 + 624.333 + 651.046 + 643.338 + 650.172) / 5 = $639.2192 Mil.
Total Assets at the begining of this year (Jun21) was $627.2 Mil.
Long-Term Debt & Capital Lease Obligation was $244.1 Mil.
Total Current Assets was $274.8 Mil.
Total Current Liabilities was $127.1 Mil.
Net Income was 1.602 + -2.075 + 1.045 + -3.154 = $-2.6 Mil.

Revenue was 51.819 + 54.003 + 55.255 + 63.984 = $225.1 Mil.
Gross Profit was 25.9 + 27.212 + 29.118 + 33.785 = $116.0 Mil.
Average Total Assets from the begining of last year (Jun20)
to the end of last year (Jun21) was
(0 + 0 + 475.341 + 583.694 + 627.207) / 5 = $562.08066667 Mil.
Total Assets at the begining of last year (Jun20) was $0.0 Mil.
Long-Term Debt & Capital Lease Obligation was $242.7 Mil.
Total Current Assets was $250.4 Mil.
Total Current Liabilities was $113.1 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Paya Holdings's current Net Income (TTM) was 5.2. ==> Positive ==> Score 1.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Paya Holdings's current Cash Flow from Operations (TTM) was 41.8. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Jun21)
=5.156/627.207
=0.00822057

ROA (Last Year)=Net Income/Total Assets (Jun20)
=-2.582/0
=

Paya Holdings's return on assets of this year was 0.00822057. Paya Holdings's return on assets of last year was . ==> This year is higher. ==> Score 1.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

Paya Holdings's current Net Income (TTM) was 5.2. Paya Holdings's current Cash Flow from Operations (TTM) was 41.8. ==> 41.8 > 5.2 ==> CFROA > ROA ==> Score 1.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Jun22)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun21 to Jun22
=244.125/639.2192
=0.38191124

Gearing (Last Year: Jun21)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun20 to Jun21
=242.725/562.08066667
=0.43183303

Paya Holdings's gearing of this year was 0.38191124. Paya Holdings's gearing of last year was 0.43183303. ==> This year is lower or equal to last year. ==> Score 1.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

Current Ratio (This Year: Jun22)=Total Current Assets/Total Current Liabilities
=274.782/127.085
=2.16219066

Current Ratio (Last Year: Jun21)=Total Current Assets/Total Current Liabilities
=250.405/113.109
=2.21383798

Paya Holdings's current ratio of this year was 2.16219066. Paya Holdings's current ratio of last year was 2.21383798. ==> Last year's current ratio is higher ==> Score 0.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

Paya Holdings's number of shares in issue this year was 126.616. Paya Holdings's number of shares in issue last year was 0. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

Gross Margin (This Year: TTM)=Gross Profit/Revenue
=138.709/268.602
=0.5164109

Gross Margin (Last Year: TTM)=Gross Profit/Revenue
=116.015/225.061
=0.51548247

Paya Holdings's gross margin of this year was 0.5164109. Paya Holdings's gross margin of last year was 0.51548247. ==> This year's gross margin is higher. ==> Score 1.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Jun21)
=268.602/627.207
=0.42825096

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Jun20)
=225.061/0
=

Paya Holdings's asset turnover of this year was 0.42825096. Paya Holdings's asset turnover of last year was . ==> This year's asset turnover is higher. ==> Score 1.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=1+1+1+1+1+0+0+1+1
=7

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Paya Holdings has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.

Paya Holdings  (NAS:PAYA) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


Paya Holdings Piotroski F-Score Related Terms

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Paya Holdings Business Description

Paya Holdings logo
Traded in Other Exchanges
Address
303 Perimeter Center N, Suite 600, Atlanta, GA, USA, 30346
Paya Holdings Inc is a provider of integrated payment and frictionless commerce solutions that help customers accept and make payments, expedite receipt of money, and increase operating efficiencies. Its operating segment includes Integrated Solutions and Payment Services. The company generates maximum revenue from the Integrated Solutions segment. Integrated Solutions segment represents the delivery of credit and debit card payment solutions, and to a lesser extent, ACH processing solutions to customers via integrations with software partners across strategic vertical markets. Integrated Solutions partners also include vertical focused front-end Customer Relationship Management software providers as well as back-end Enterprise Resource Planning and accounting solutions.
Executives
Boyda Debora director 303 PERIMETER CENTER NORTH ATLANTA GA 30346
Devarasetty Balaji officer: Chief Information Officer 303 PERIMETER CENTER NORTH ATLANTA GA 30346
Shepard Michele officer: Chief Commercial Officer 303 PERIMETER CIRCLE NORTH ATLANTA GA 30346
Singh Sid director 1550 PEACHTREE STREET NW ATLANTA GA 30309
Chukwu Oni director 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Doster Melinda officer: GENERAL COUNSEL & HHR 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Bell Eric Christopher officer: Chief Accounting Officer 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Renzulli Glenn Joseph officer: Chief Financial Officer 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Scappa Christina officer: See Remarks. 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Winfield Darrell Gerard officer: Chief Information Officer 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Weiner Benjamin Nicolas officer: See Remarks. 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Trala Anna May Louise director 303 PERIMETER CENTER NORTH, SUITE 600 ATLANTA GA 30346
Gtcr Partners Xi/b Lp director, 10 percent owner 300 NORTH LASALLE STREET, SUITE 5600 CHICAGO IL 60654
Gtcr Investment Xi Llc director, 10 percent owner 300 NORTH LASALLE STREET, SUITE 5600 CHICAGO IL 60654
Gtcr Partners Xi/a&c Lp director, 10 percent owner 300 NORTH LASALLE STREET, SUITE 5600 CHICAGO IL 60654

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