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SMP
Smartpay Holdings Limited – ASX
Weekly Share Price & Valuation Overview
Market Overview
Open
1.0400
Close
1.0350
High
1.0450
Low
1.0350
Trend
0.70780
Smartpay Holdings Limited
New Zealand
• ASX - Australian Securities Exchange
• SMP
• Currency: AUD
Smartpay Holdings Limited operates as a merchant service provider in New Zealand and Australia. The company provides payment solutions; and transaction and support services. It also sells Eftpos terminals machines; and offers hardware, software, and maintenance and repairs services. It serves retail, trade, hair and beauty, taxi and transport, charities and schools, hospitality, and tourism industries. The company was incorporated in 1986 and is headquartered in Auckland, New Zealand.
Potential weaknesses
- Quick ratio <0.8 — tight near-term liquidity without inventory.
- Negative free cash flow — operations may rely on external financing.
Scale & Structure
Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
- Market Cap Total equity value of the company (share price × shares outstanding).
- AUD 252.79M
- Enterprise Value Operating value: market cap + total debt − cash.
- AUD 260.72M
- Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
- AUD 104.72M
- Gross Profit (TTM) Revenue minus cost of goods sold over the last twelve months. Hidden for financial institutions or if redundant.
- AUD 25.07M
- EBITDA (TTM) Earnings before interest, taxes, depreciation and amortization (TTM). Hidden for financials or if implausible.
- AUD 9.65M
- Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
- AUD 0.43
- Shares Outstanding
- 241.94M
- Float Shares
- 179.32M
- Implied Shares Outstanding
- 244.24M
Profitability & Efficiency
TTM basis. “Reconciled” = numerator ÷ TTM revenue. Margins reflect latest TTM calculations.
- Operating Margin (TTM) Operating income ÷ revenue over the last twelve months (reconciled when possible).
-
-0.09%
- EBITDA Margin (TTM) Reconciled EBITDA ÷ revenue over the last twelve months (suppressed if EBITDA implausible/financials).
-
9.21%
- Gross Margin (TTM) Reconciled Gross profit ÷ revenue over the last twelve months (reconciled when possible).
-
23.94%
- Profit Margin (TTM) Net income ÷ revenue over the last twelve months (reconciled when possible).
-
-0.69%
- ROA Return on assets: net income ÷ total assets.
-
0.64%
- ROE Return on equity: net income ÷ shareholder equity.
-
-1.39%
Growth
Growth rates are YoY unless labeled QoQ.
- Revenue Growth Year-over-year revenue growth.
-
8.70%
Liquidity & Solvency
Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
- Quick Ratio Liquid current assets ÷ current liabilities (ex-inventory).
- 0.39
- Debt to Equity Total debt ÷ shareholder equity; leverage.
- 0.41
- Total Cash Cash and equivalents.
- AUD 12.08M
- Total Debt Short + long-term interest-bearing debt.
- AUD 21.17M
- Net Debt Total debt − cash (negative = net cash).
- AUD 9.10M
- Debt / EBITDA Leverage relative to operating earnings; lower is safer.
- 2.19
Cash Flow
Shown only when internally consistent; margins are TTM.
- Operating Cash Flow (TTM) Cash generated by core operations (pre-capex).
- AUD 12.01M
- Free Cash Flow (TTM) Cash after capex; funds buybacks, dividends, and debt paydown.
- AUD -4.87M
- OCF Margin (TTM) Operating cash flow ÷ revenue (TTM).
-
11.47%
- FCF Margin (TTM) Free cash flow ÷ revenue (TTM).
-
-4.65%
- Cash Conversion (OpCF/EBITDA)
- 1.24
Sharemaestro House View
Risk: 2
Sharemaestro internal risk profile (0–3, higher is safer).
Structural Insights
(experimental)
Ownership & Liquidity
Free Float
Proportion of shares available for public trading.
74.1%
Insiders
Shares held by company insiders (officers, directors).
30.8%
Institutions
Shares held by institutions (funds, pensions).
43.3%
Capital Structure
Potential Dilution
Increase in share count if options/convertibles exercise.
0.9%
Net Debt
Total debt − cash (negative = net cash).
AUD 9.10M
8.7% of revenue
Net debt relative to revenue — debt load vs business scale.
Resilience Score
0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating.
45
Methodology Notes
- Margins shown on a TTM basis. “Reconciled” = numerator ÷ TTM revenue for internal consistency.
- Cash Flow section is displayed only when figures are self-consistent (and hidden for financials).
As of: 2025-09-02 18:48
Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.
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