PayPoint plc (PAY.XLON) Quality Score
Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 73/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
Under 20x cash flow, well covered
Above 10% CAGR, strong compounder
Above 10% CAGR, strong compounder
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Contracted >2pp, margin pressure
Net debt/FCF of 0.3x, easily serviceable
Above 20%, exceptional capital efficiency
PayPoint (PAY.XLON) quality: score, margins and returns
PayPoint (PAY.XLON) scores 83/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100, on 21.5% operating margins and 25.5% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is PayPoint (PAY.XLON) a high-quality business?+
PayPoint scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Recent figures include a 21.5% operating margin and a 25.5% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does PayPoint's quality score measure?+
Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from PAY.XLON's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where PayPoint scores well and where it falls behind.
What is PayPoint's return on invested capital (ROIC)?+
PayPoint earns about 25.5% on its invested capital, which is exceptional. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to PAY.XLON's margins and growth on this scorecard to judge durability.
How profitable is PayPoint?+
PayPoint runs an operating margin of about 21.5% and a net margin of about 12.2%. Revenue has grown at roughly 23.4% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.