Priority Technology Holdings, Inc.

PRTH

$5.33

-1.66%

N/A-$0.09

Tecnología

Software - Infraestructura

NASDAQ

Negociación activa

Priority Technology Holdings, Inc. opera como una empresa de tecnología de pagos principalmente en los Estados Unidos. Sus operaciones se organizan en ...

Análisis fundamental de PRTH

Fortalezas clave

Diversified revenue streams across SMB, B2B, and enterprise segments

Proprietary technology platforms (MX, CPX) with advanced features

Factores de riesgo

High debt levels (net debt to EBITDA of 3.04, negative equity) due to acquisitions and intangible assets

Interest coverage is relatively low (2.9x), sensitive to rate hikes

Rentabilidad

Margen neto5.61%

Margen operativo13.77%

Valoración

PER7.72x

Ratio corriente1.10

Eficiencia

ROE-59.14%

ROA2.25%

Análisis Fundamental de PRTH

Priority Technology Holdings, Inc. (PRTH) is a payment technology firm operating through three segments: SMB payments, B2B payables, and enterprise solutions. With a market cap of approximately $427 million and a stock price of $5.18, PRTH trades at a discount to its intrinsic value based on several metrics. The company exhibits a P/E ratio of 7.5, which is attractive relative to the broader market, and its EV/EBITDA of 4.44 is notably low, suggesting undervaluation. Revenue per share stands at $12.27, while the price-to-sales ratio is only 0.43, indicating the market is pricing in limited growth. Free cash flow yield is a robust 24.3%, reflecting strong cash generation relative to market cap. PRTH's net margin is 5.6%, which is modest but improving, supported by an operating margin of 13.8%. The company's return on equity is negative (-59.1%) due to a significant deficit in shareholders' equity, primarily from intangible assets and accumulated losses. However, return on invested capital is a solid 13.5%, suggesting efficient use of capital in its operations. PRTH has shown resilience with revenue growth and improved operating leverage, as highlighted by S&P Global. The company's liquidity is adequate with a current ratio of 1.10 and quick ratio of 1.10, though debt levels are high (debt-to-equity is negative due to negative equity; net debt to EBITDA is 3.04). Interest coverage at 2.9x is adequate but not robust. PRTH focuses on innovation in proprietary platforms like MX and CPX, with no R&D expense reported, possibly due to capitalization of development costs. Strategic initiatives include asset divestitures to strengthen the balance sheet. The company serves a diverse customer base and benefits from recurring revenue streams. Despite risks related to debt and competition, PRTH's valuation and growth prospects suggest a favorable long-term outlook.

Fortalezas clave de PRTH

Diversified revenue streams across SMB, B2B, and enterprise segments
Proprietary technology platforms (MX, CPX) with advanced features
Strong free cash flow generation with high yield (24.3%)
Attractive valuation (low P/E, EV/EBITDA, P/S)
Operating leverage improvements leading to margin expansion
Focused distribution network (ISOs, financial institutions, ISVs)
Recurring revenue from payment processing and software subscriptions

Factores de riesgo de PRTH

High debt levels (net debt to EBITDA of 3.04, negative equity) due to acquisitions and intangible assets
Interest coverage is relatively low (2.9x), sensitive to rate hikes
Negative book value per share (-$0.87) and tangible book value negative, posing balance sheet risk
Intense competition in the payment processing industry from large players and fintech startups
Dependence on economic conditions; SMB and B2B spending cyclicality
Potential integration risks from historical acquisitions
Regulatory and compliance burdens in payments sector
S&P credit rating of 'B-' indicates high default risk, though improving outlook

Capitalización vs ingresos y beneficios

Beneficios

n/a

Ingresos

n/a

Capitalización bursátil

$438.95M

7.7x

Ratio P/E

0.4x

Ratio P/S

Beneficios e ingresos

Último informen/a

Beneficio por acción (EPS)n/a

Margen bruto39.35%

Margen neto5.61%

Ratio deuda/capital-13.24

Puente de rentabilidad (actual vs interanual)

Muestra cómo cambiaron el margen bruto, operativo y neto frente al año anterior.

Historial de ingresos / beneficio neto / FCF (USD B)

Señales de crecimiento de PRTH

Métrica	Actual	Anterior	InteranualCambio interanual: trimestre actual frente al mismo trimestre del año pasado.	TrimestralCambio trimestral: trimestre actual frente al trimestre anterior inmediato.	Señal
Ingresos	—	—	—	—	Plano
EPS diluido	—	—	—	—	Plano
Flujo de caja libre	—	—	—	—	Plano

Rentabilidad de PRTH

Métrica	Actual	Anterior	InteranualCambio interanual: trimestre actual frente al mismo trimestre del año pasado.	TrimestralCambio trimestral: trimestre actual frente al trimestre anterior inmediato.	Señal
Margen neto	—	3.76%	—	—	Plano
Margen operativo	—	12.60%	—	—	Plano
ROE	—	—	—	—	Plano

Salud financiera de PRTH

Métrica	Actual	Anterior	InteranualCambio interanual: trimestre actual frente al mismo trimestre del año pasado.	TrimestralCambio trimestral: trimestre actual frente al trimestre anterior inmediato.	Señal
Ratio corriente	—	1.102	—	—	Plano
Ratio rápido	—	1.102	—	—	Plano
Deuda / capital	—	-13.235	—	—	Plano

Valoración de PRTH

Métrica	Actual	Anterior	InteranualCambio interanual: trimestre actual frente al mismo trimestre del año pasado.	TrimestralCambio trimestral: trimestre actual frente al trimestre anterior inmediato.	Señal
P/E	—	13.90x	—	—	Plano
P/B	—	-6.87x	—	—	Plano

Supply Chain de PRTH

RELATIONS

Upstream

Visa Inc.NYSE:V Mastercard Inc.NYSE:MA Discover Financial ServicesNYSE:DFS American Express CompanyNYSE:AXP Fiserv Inc. (First Data)NYSE:FI Fidelity National Information Services (FIS / Worldpay)NYSE:FISGeorgia Banking CompanyPB&T BankPinnacle Financial Partners / Pinnacle BankNASDAQ:PNFP PAX Global Technology LimitedHKEx:0327Treasure FinancialPAX Technology Semiconductor/Component Suppliers

Downstream

SMB Merchants (1.8M customer accounts)Enterprise B2B Clients (Payables segment)Fintech & Enterprise Banking Clients (Treasury Solutions / BaaS)Independent Sales Organizations (ISOs)Wholesale ISOsIndependent Software Vendors (ISVs)Financial Institutions (Banks & Credit Unions)Dealer Merchant Services (DMS) Automotive PortfolioThe Brink's CompanyNYSE:BCO

Proxies

Shift4 Payments, Inc.NYSE:FOUR Block, Inc. (Square)NYSE:BLK Global Payments Inc.NYSE:GPN Toast, Inc.NYSE:TOST Fiserv, Inc.NYSE:FI

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