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United Kingdom
In shortPaypoint PLC is profitable, generates cash and carries moderate debt, with revenue growing (+8.9% last year).
Financial health
Solid
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. | 20.7% | 86/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 12.9% | 71/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 47.0% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 23.0% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.96× | 13/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 1.77× | 13/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.37× | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 6.94× | 52/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.21 | 3/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 19.0% | 96/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.48× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 4 | 100/100 |
| Revenue growth volatility | 29.0% | 4/100 |
| Operating margin volatility | 8.9% | 28/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 28.2% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | -82.0% | 0/100 |
Weight in the score: 10%
Fiscal year 2026 · 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.
GBP millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 128 | 145 | 165 | 281 | 306 |
| Cost of revenue | 45 | 49 | 64 | 174 | 188 |
| Gross profit | 82 | 96 | 103 | 136 | 149 |
| Operating income | 22 | 51 | 45 | 33 | 63 |
| Interest expense | 1.4 | 2 | 2.7 | 8.4 | 9.1 |
| Pre-tax income | 20 | 49 | 43 | 26 | 55 |
| Income tax | 4.5 | 9 | 7.9 | 7 | 14 |
| Net income | 22 | 70 | 35 | 19 | 39 |
| Diluted EPS | £0.32 | £100.20 | £49.60 | £0.26 | £0.58 |
1.21 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
7/9
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: Mar 31, 2026 · Data updated Mar 31, 2026