PAY - Ticker AI Digest

PayPoint plc 📰 2

Digested News

Today's Catalysts (PAY) 2
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Trading update for the three months ended 31 December 2025
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
**PayPoint Plc Q3 FY26 Trading Update Summary**
PayPoint Plc reported significant progress in its third quarter (Q3 FY26, ended 31 December 2025), with the company on track to deliver record profits for the full year. Despite subdued consumer spending and a challenging market environment, the group demonstrated resilience across its core businesses, particularly in peak seasonal trading areas.
**Key Highlights**
1. **Financial Performance**
Group net revenue was £52.7 millionslightly down by 0.5% year-on-year.
Divisional performance varied
**Shopping** Service fee net revenue grew by 7.3% to £5.9 million, driven by PayPoint One/Mini site expansion. Card processed value declined by 6.8% due to lower consumer spending.
**E-commerce** Parcels net revenue increased by 2.4% to £4.2 million, with a record 6.7% growth in transactions to 38.2 million, supported by strong Collect+ performance and Royal Mail partnership expansion.
**Payments & Banking** Digital net revenue rose by 18.2% to £5.3 million, driven by MultiPay and Local Banking services.
**Love2shop** Billings grew across Love2shop Business (+5.2%) and InComm Payments (+238.9%), though overall division revenue dipped by 3.2% to £18.1 million.
2. **Operational Achievements**
Record peak performance in parcels business, with Yodel/InPost volumes recovering and Royal Mail Shop Branding rollout progressing.
Strong growth in Business Finance via YouLend, with a 54% increase in net revenue.
Continued expansion of the PayPoint retailer network, with initiatives to better support retailer partners.
3. **Strategic Progress**
Successful launch of new e-commerce products in partnership with Global Payments.
Accelerated rollout of BankLocal services for Lloyds Banking Group and FMCG brand campaigns.
Park Christmas Savings delivered robust performance, with focus on 2026 campaign rollout.
4. **Financial Position**
Net corporate debt increased to £131.3 million (from £97.4 million in March 2025), reflecting loans and borrowings.
Interim dividend of 19.8p per share declared, up 2.1% from the previous year.
Share buyback programme commenced, targeting £30 million per annum until March 2028, with 2,768,330 shares purchased at £17.2 million as of January 2026.
5. **Future Outlook**
Focus on delivering record profits in FY26 and building foundations for FY27 growth.
Plans for a Capital Markets Day to update on strategy, synergies, and investment case.
Commitment to enhancing shareholder returns through dividends and buybacks, with a target cover ratio of over 2.0 times earnings by FY28.
**CEO Nick Wiles** emphasized PayPoint’s agility and resilience, highlighting progress in operational delivery and confidence in meeting FY26 expectations. The company remains optimistic about future prospects, with a focus on simplifying its investment case and leveraging synergies across its businesses.
AI 0
No items for this category on selected date.
Acquisitions 0
No items for this category on selected date.
Agreement 0
No items for this category on selected date.
Approvals 0
No items for this category on selected date.
Authorisation 0
No items for this category on selected date.
Awards 0
No items for this category on selected date.
BTC 0
No items for this category on selected date.
Blockchain 0
No items for this category on selected date.
Breakthrough 0
No items for this category on selected date.
BuyBack 0
No items for this category on selected date.
Cancellations 0
No items for this category on selected date.
CashOffer 0
No items for this category on selected date.
Collaborate 0
No items for this category on selected date.
ContractWin 0
No items for this category on selected date.
Covid-19 0
No items for this category on selected date.
Deals 0
No items for this category on selected date.
Diamond 0
No items for this category on selected date.
DirectorDealing 1
Discovery 0
No items for this category on selected date.
Exceeded 0
No items for this category on selected date.
FCA 0
No items for this category on selected date.
FDA 0
No items for this category on selected date.
Grants 0
No items for this category on selected date.
InvestmentPlan 0
No items for this category on selected date.
JV 0
No items for this category on selected date.
Launch 0
No items for this category on selected date.
Litigation 0
No items for this category on selected date.
NewContract 0
No items for this category on selected date.
Offers 0
No items for this category on selected date.
Offtake 0
No items for this category on selected date.
Orders 0
No items for this category on selected date.
Partner 0
No items for this category on selected date.
Patents 0
No items for this category on selected date.
Placing 0
No items for this category on selected date.
Positive 0
No items for this category on selected date.
Proposals 0
No items for this category on selected date.
Reports 0
No items for this category on selected date.
Results 0
No items for this category on selected date.
Significant 0
No items for this category on selected date.
Speculation 0
No items for this category on selected date.
Strategic 0
No items for this category on selected date.
Suspension 0
No items for this category on selected date.
TR1 1
PAY 12:43
PayPoint plc
PayPoint plc : Holding(s) in Company
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
TR1 Buy
Takeover 0
No items for this category on selected date.
Understanding 0
No items for this category on selected date.
Updates 1
PAY 06:01
PayPoint plc
Trading update for the three months ended 31 December 2025
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
**PayPoint Plc Q3 FY26 Trading Update Summary**
PayPoint Plc reported significant progress in its third quarter (Q3 FY26, ended 31 December 2025), with the company on track to deliver record profits for the full year. Despite subdued consumer spending and a challenging market environment, the group demonstrated resilience across its core businesses, particularly in peak seasonal trading areas.
**Key Highlights**
1. **Financial Performance**
Group net revenue was £52.7 millionslightly down by 0.5% year-on-year.
Divisional performance varied
**Shopping** Service fee net revenue grew by 7.3% to £5.9 million, driven by PayPoint One/Mini site expansion. Card processed value declined by 6.8% due to lower consumer spending.
**E-commerce** Parcels net revenue increased by 2.4% to £4.2 million, with a record 6.7% growth in transactions to 38.2 million, supported by strong Collect+ performance and Royal Mail partnership expansion.
**Payments & Banking** Digital net revenue rose by 18.2% to £5.3 million, driven by MultiPay and Local Banking services.
**Love2shop** Billings grew across Love2shop Business (+5.2%) and InComm Payments (+238.9%), though overall division revenue dipped by 3.2% to £18.1 million.
2. **Operational Achievements**
Record peak performance in parcels business, with Yodel/InPost volumes recovering and Royal Mail Shop Branding rollout progressing.
Strong growth in Business Finance via YouLend, with a 54% increase in net revenue.
Continued expansion of the PayPoint retailer network, with initiatives to better support retailer partners.
3. **Strategic Progress**
Successful launch of new e-commerce products in partnership with Global Payments.
Accelerated rollout of BankLocal services for Lloyds Banking Group and FMCG brand campaigns.
Park Christmas Savings delivered robust performance, with focus on 2026 campaign rollout.
4. **Financial Position**
Net corporate debt increased to £131.3 million (from £97.4 million in March 2025), reflecting loans and borrowings.
Interim dividend of 19.8p per share declared, up 2.1% from the previous year.
Share buyback programme commenced, targeting £30 million per annum until March 2028, with 2,768,330 shares purchased at £17.2 million as of January 2026.
5. **Future Outlook**
Focus on delivering record profits in FY26 and building foundations for FY27 growth.
Plans for a Capital Markets Day to update on strategy, synergies, and investment case.
Commitment to enhancing shareholder returns through dividends and buybacks, with a target cover ratio of over 2.0 times earnings by FY28.
**CEO Nick Wiles** emphasized PayPoint’s agility and resilience, highlighting progress in operational delivery and confidence in meeting FY26 expectations. The company remains optimistic about future prospects, with a focus on simplifying its investment case and leveraging synergies across its businesses.
Vaccine 0
No items for this category on selected date.
Wins 0
No items for this category on selected date.
Worth 0
No items for this category on selected date.
All Market News (Last 30 Days) 27
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Trading update for the three months ended 31 December 2025
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
**PayPoint Plc Q3 FY26 Trading Update Summary**
PayPoint Plc reported significant progress in its third quarter (Q3 FY26, ended 31 December 2025), with the company on track to deliver record profits for the full year. Despite subdued consumer spending and a challenging market environment, the group demonstrated resilience across its core businesses, particularly in peak seasonal trading areas.
**Key Highlights**
1. **Financial Performance**
Group net revenue was £52.7 millionslightly down by 0.5% year-on-year.
Divisional performance varied
**Shopping** Service fee net revenue grew by 7.3% to £5.9 million, driven by PayPoint One/Mini site expansion. Card processed value declined by 6.8% due to lower consumer spending.
**E-commerce** Parcels net revenue increased by 2.4% to £4.2 million, with a record 6.7% growth in transactions to 38.2 million, supported by strong Collect+ performance and Royal Mail partnership expansion.
**Payments & Banking** Digital net revenue rose by 18.2% to £5.3 million, driven by MultiPay and Local Banking services.
**Love2shop** Billings grew across Love2shop Business (+5.2%) and InComm Payments (+238.9%), though overall division revenue dipped by 3.2% to £18.1 million.
2. **Operational Achievements**
Record peak performance in parcels business, with Yodel/InPost volumes recovering and Royal Mail Shop Branding rollout progressing.
Strong growth in Business Finance via YouLend, with a 54% increase in net revenue.
Continued expansion of the PayPoint retailer network, with initiatives to better support retailer partners.
3. **Strategic Progress**
Successful launch of new e-commerce products in partnership with Global Payments.
Accelerated rollout of BankLocal services for Lloyds Banking Group and FMCG brand campaigns.
Park Christmas Savings delivered robust performance, with focus on 2026 campaign rollout.
4. **Financial Position**
Net corporate debt increased to £131.3 million (from £97.4 million in March 2025), reflecting loans and borrowings.
Interim dividend of 19.8p per share declared, up 2.1% from the previous year.
Share buyback programme commenced, targeting £30 million per annum until March 2028, with 2,768,330 shares purchased at £17.2 million as of January 2026.
5. **Future Outlook**
Focus on delivering record profits in FY26 and building foundations for FY27 growth.
Plans for a Capital Markets Day to update on strategy, synergies, and investment case.
Commitment to enhancing shareholder returns through dividends and buybacks, with a target cover ratio of over 2.0 times earnings by FY28.
**CEO Nick Wiles** emphasized PayPoint’s agility and resilience, highlighting progress in operational delivery and confidence in meeting FY26 expectations. The company remains optimistic about future prospects, with a focus on simplifying its investment case and leveraging synergies across its businesses.
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 12:43
PayPoint plc
PayPoint plc : Holding(s) in Company
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
TR1 Buy
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares
PAY 06:01
PayPoint plc
Transaction in Own Shares

AI Crunch

Single-Ticker AI Crunch
PAY signal theatre built from scored market catalysts, automated AI forecasts, and live trigger logic.

This is the ticker-specific AI Crunch desk for PayPoint plc. It compresses bullish and bearish catalyst scoring, best and worst AI forecast paths, and automated buy or sell trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI Forecast Stack Buy / Sell Trigger Engine Catalyst Ledger
Subscriber Unlock
Subscribe to unlock the full PAY AI Crunch cockpit.

Subscription turns this tab into a live signal desk with bullish vs bearish machine scoring, AI forecast stack comparisons, buy and sell trigger logic, and the full catalyst ledger behind every scored catalyst row.

  • AI-scored market headlines with sentiment buckets and buzzword breakdowns.
  • Forecast leaders ranked by projected gain against current market price.
  • Advanced technical scans, AI forecast stacks, and predictive MACD inside the live stock terminal charts.
  • Single-ticker AI Crunch desks with buy or sell trigger logic and full catalyst ledgers.
  • Scored earnings shock board with predicted direction, sector pulse and catalyst narrative.
  • Fast market scan built for event-driven trading, not passive dashboards.
Subscribe to unlock the ticker-specific signal stack, sentiment gauges, forecast stage, and the full catalyst ledger for PAY on 2026-01-28.

Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
369833120
Enterprise Value
418018307
Public Float
101.96
Broker Target
825
Shares Out
60710160
Long Interest
93
Short Interest
7
Exchange
LSE
Currency Code
GBX
ISIN
GB00B02QND93
Market
LSE - MAIN MARKET
Sector
Industrial Goods and Services
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.2
Ex Divi
2026-02-26
Earnings Date
2025-11-20
Net Debt
72297000.0
Cash
33189000.0
EPS
0.25
Net Income
19191000.0
Revenue
310714000.0
Enterprise Value
418018307
Trailing PE
24.34
Forward PE
10.3199
Price Sales TTM
1.189
Price Book MRQ
3.6893
EV Revenue
1.0214
EV EBITDA
5.7939

Capital Radar

Capital Regime
Building signal blend...
Smart Money Tilt
Public vs institutions
Target Conviction
Broker coverage pulse
Insider Pressure
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
52.7672
Institutions As Of
2026-04-01
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
5
Sale Director Dealing
3
Purchase TR1
5
Sale TR1
2
Broker Coverage Rows
2
Institution Holders Tracked
5
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

Today's Catalysts

2 live catalysts just hit PAY.

The headlines landing in Digested News are now framed here as today's catalyst tape. Scroll the tab rail to Digested News or jump there instantly below.
Live Tape Data 2026-01-28 AI Charts Landing View
Scroll the tab rail to Digested News any time, or use the jump button to land straight on today's tape.
2 Today
Catalyst Pulse
PayPoint plc has fresh news flow feeding the chart narrative.
06:01 Today's Catalyst Transaction in Own Shares
AI Charts Studio
PAY Price History
Live structure, automated forecasts, technical overlays and catalyst beacons in one chart workspace.
30 Day View Window 30D Data 2026-01-28 Open Preview Studio Brief
Chart Intelligence Suite
Swipe the timeframe, call the overlays, and keep the AI signal stack fused into one chart cockpit.
The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.

Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

Automated Signalling Automated AI Forecasts Predictive MACD Catalyst Beacons Live Price Structure
Indicators0
Technicals0
AI Forecast 8.00%
RSI Gauge
Price Change
AI Forecast