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United Kingdom
In shortW.a.g Payment Solutions PLC is profitable, generates cash and carries moderate debt, with revenue growing (+3.2% last year).
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 2.2% | 24/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 0.1% | 20/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 0.8% | 4/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 6.9% | 46/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.85× | 4/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 1.37× | 35/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 1.88× | 61/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 1.57× | 1/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 0.83 | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 5.7% | 43/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 63.65× | 100/100 |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 4 | 58/100 |
| Revenue growth volatility | 23.6% | 24/100 |
| Operating margin volatility | 1.4% | 96/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -0.9% | 12/100 |
|---|---|---|
| EPS growth, 3-year average | -89.4% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
EUR millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,646 | 2,368 | 2,088 | 2,237 | 2,308 |
| Cost of revenue | – | – | – | 1,944 | 1,978 |
| Gross profit | – | – | – | 293 | 330 |
| Operating income | 25 | 33 | (28) | 41 | 50 |
| Interest expense | 8.9 | 8.8 | 26 | 32 | 32 |
| Pre-tax income | 18 | 28 | (40) | 12 | 19 |
| Income tax | 8 | 10 | 4.2 | 8.8 | 17 |
| Net income | 9.1 | 17 | (46) | 2.7 | 2.1 |
| Diluted EPS | €1.53 | €2.41 | −€6.62 | €0.00 | €0.00 |
0.83 Distress zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Dec 31, 2025