PYPTF (PayPoint) Retained Earnings: $68.1 Mil (As of Mar. 2026)

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PYPTF PayPoint PLC PYPTF
86 GF Score
Price $7.50
GF Value $9.75
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PayPoint Retained Earnings?

PayPoint PYPTF 86 Retained Earnings is $68.1 Mil as of Mar. 2026. GuruFocus rates PYPTF with a GF Score™ of 86/100 and a GF Value™ of $9.75 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. PayPoint's retained earnings for the quarter that ended in Mar. 2026 was $68.1 Mil.

PayPoint's quarterly retained earnings increased from Mar. 2025 ($90.8 Mil) to Sep. 2025 ($101.6 Mil) but then declined from Sep. 2025 ($101.6 Mil) to Mar. 2026 ($68.1 Mil).

PayPoint's annual retained earnings declined from Mar. 2024 ($125.4 Mil) to Mar. 2025 ($90.8 Mil) and declined from Mar. 2025 ($90.8 Mil) to Mar. 2026 ($68.1 Mil).


PayPoint  (OTCPK:PYPTF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


PayPoint Retained Earnings Historical Data

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The historical data trend for PayPoint's Retained Earnings 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.

PayPoint Retained Earnings Chart

PayPoint Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 104.69 109.15 125.39 90.77 68.08

PayPoint Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 125.39 108.58 90.77 101.64 68.08
PYPTF
86GF Score
PayPoint PLC PYPTF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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PayPoint Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $68.1 Mil mean?
PayPoint (PYPTF) has a Retained Earnings of $68.1 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on PayPoint and its competitors.
Is PayPoint's Retained Earnings too high?
PayPoint's current Retained Earnings is $68.1 Mil. Overall, PayPoint has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's Retained Earnings compare to MSFT and ORCL?
PayPoint's Retained Earnings of $68.1 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on PayPoint and its competitors. PayPoint's current Retained Earnings is $68.1 Mil. 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 $9.75, compared to a current price of $7.50 — trading 23.1% below its estimated fair value. The current Retained Earnings is $68.1 Mil. PayPoint's overall GF Score™ is 86/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For PayPoint (PYPTF), the current Retained Earnings is $68.1 Mil as of Mar. 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 23.1% below its estimated GF Value™ of $9.75. GuruFocus considers PayPoint to be Modestly Undervalued.

Key valuation signals for PYPTF:

  • Retained Earnings: $68.1 Mil
  • GF Value™: $9.75 vs. price of $7.50 (23.1% below fair value)
  • GF Score™: 86/100 with 4 warning signs

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 Business Description

Other Exchanges PAYl:UKPAY:UK
Address 1 The Boulevard, Shire Park, Welwyn Garden City, Hertfordshire, GBR, AL7 1EL
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.
86GF Score

Get the complete analysis for PYPTF

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.50
Price
$9.75
GF Value