PayPoint plc

10-Year Study

PAY.LSE · Technology · GB · Common Stock

Executive Summary: PayPoint plc has compounded at 3.7% annually over the last 10 years, with a maximum drawdown of 53.7% and an annualized volatility of 40.8%.

1Y CAGR
-6.2%
3Y CAGR
+26.1%
5Y CAGR
+8.1%
10Y CAGR
+3.7%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
53.7%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.22
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
0.32
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
33.0%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2024 · +59.0%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2025 · -36.0%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
60%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
202612.613.0-6.414.6————————36.4%
2025-8.8-8.8-2.07.75.519.1-13.2-0.45.3-8.0-28.4-3.1-36.0%
20245.6-8.1-2.08.44.215.810.50.7-1.613.97.7-4.959.0%
20231.6-4.8-6.0-3.4-12.225.06.111.2-5.12.1-10.210.59.4%
2022-0.9-8.2-2.5-0.50.2-1.68.37.3-5.5-3.3-7.4-3.4-17.4%
2021-4.9-5.01.01.7-1.5-2.94.221.60.1-2.8-12.912.27.0%
2020-1.3-15.1-35.423.312.6-18.50.36.1-20.00.018.311.1-31.5%
20195.12.4-1.517.48.2-9.0-2.3-6.45.20.211.21.733.5%
2018-2.6-10.0-0.27.615.7-0.6-0.20.6-1.2-14.811.3-5.1-3.4%
2017-0.71.45.1-0.8-7.0-0.91.32.73.7-3.80.22.33.0%
2016———12.710.12.59.3-0.75.34.2-7.23.745.7%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 40.8%. The dominant macroeconomic risk driver is SHV.US, accounting for 21.6% of variance. Idiosyncratic stock-specific factors contribute 40.4%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0111270.052353794365
2016-05-0112406.416753214196
2016-06-0112717.93190201626
2016-07-0113900.995595029188
2016-08-0113802.406953944777
2016-09-0114534.780915374424
2016-10-0115140.397253160476
2016-11-0114048.879955592163
2016-12-0114565.78134512767
2017-01-0114468.986140457688
2017-02-0114672.139678759446
2017-03-0115424.55760036529
2017-04-0115304.170732908355
2017-05-0114228.212405543818
2017-06-0114093.22623822655
2017-07-0114276.461720624577
2017-08-0114666.834912079647
2017-09-0115208.573017763132
2017-10-0114634.96714178276
2017-11-0114658.866570569066
2017-12-0114997.84563800451
2018-01-0114603.597392830285
2018-02-0113141.594183110696
2018-03-0113108.741561615872
2018-04-0114110.788485298857
2018-05-0116328.432765999356
2018-06-0116227.328837338395
2018-07-0116192.61842835655
2018-08-0116296.749655302081
2018-09-0116105.839608029222
2018-10-0113728.145816173048
2018-11-0115272.778600974107
2018-12-0114495.37008022061
2019-01-0115229.993531318269
2019-02-0115588.345069476774
2019-03-0115355.416569673745
2019-04-0118025.143922572788
2019-05-0119494.390824768114
2019-06-0117745.457373849513
2019-07-0117342.983382874332
2019-08-0116227.032262829924
2019-09-0117070.68601600831
2019-10-0117108.121553020806
2019-11-0119017.345132149127
2019-12-0119348.79792196397
2020-01-0119100.246100884575
2020-02-0116209.472813630342
2020-03-0110467.804319020164
2020-04-0112908.990236543352
2020-05-0114529.93779769366
2020-06-0111836.78945224367
2020-07-0111876.312202306342
2020-08-0112600.586322207499
2020-09-0110080.469617340545
2020-10-0110080.469617340545
2020-11-0111920.554963650036
2020-12-0113247.812623106402
2021-01-0112599.601471009562
2021-02-0111969.195980911793
2021-03-0112092.165284890592
2021-04-0112297.11785535222
2021-05-0112112.66250044766
2021-06-0111767.242730007521
2021-07-0112266.206957526054
2021-08-0114912.390211474414
2021-09-0114933.421820721269
2021-10-0114512.761657056908
2021-11-0112640.825327686853
2021-12-0114181.353633205603
2022-01-0114053.401317909966
2022-02-0112896.313075242631
2022-03-0112572.28304175769
2022-04-0112507.478713784334
2022-05-0112529.081089066362
2022-06-0112332.950211295349
2022-07-0113351.720020234214
2022-08-0114330.84677058339
2022-09-0113540.956939619668
2022-10-0113089.590122837804
2022-11-0112119.156363034059
2022-12-0111710.445913762847
2023-01-0111894.140247287181
2023-02-0111318.841658310352
2023-03-0110640.645704258139
2023-04-0110278.161708090103
2023-05-019027.008984528884
2023-06-0111283.761930129285
2023-07-0111973.65019428428
2023-08-0113315.691813200587
2023-09-0112639.031891272427
2023-10-0112904.863374279268
2023-11-0111590.747322995381
2023-12-0112810.177765641227
2024-01-0113524.592182072127
2024-02-0112434.107299538015
2024-03-0112183.42070157218
2024-04-0113211.238830892096
2024-05-0113762.752703864198
2024-06-0115943.733660423308
2024-07-0117614.729568814237
2024-08-0117730.617456935142
2024-09-0117446.720109766145
2024-10-0119872.744355011997
2024-11-0121408.933159939836
2024-12-0120364.5963900727
2025-01-0118563.11329370053
2025-02-0116931.382731081907
2025-03-0116586.92542885793
2025-04-0117858.768421194
2025-05-0118839.145820649646
2025-06-0122442.69397092003
2025-07-0119473.376002757585
2025-08-0119387.847831536725
2025-09-0120421.141397772448
2025-10-0118777.321227124594
2025-11-0113439.81384074061
2025-12-0113027.12761433227
2026-01-0114664.118177667158
2026-02-0116563.40651076174
2026-03-0115500.214876625005
2026-04-0117766.491780969092
Annual Return Matrix
YearAnnual Return
20170.029662967103468718
2018-0.0335031823844506
20190.3348260730759831
2020-0.31531598621596957
20210.07046755843081232
2022-0.17423637992195118
20230.09391033099652546
20240.5897200462505314
2025-0.36030514109856293
20260.3638073032632796
Total Factor Risk
0.4076465472007393
VTI.US Exposure
0.04155821381608751
VEA.US Exposure
-0.011071436490287129
VWO.US Exposure
0.05325958076591735
QQQ.US Exposure
0.04043217272492565
VTV.US Exposure
0.050634209272713775
IJR.US Exposure
0.01195178940515919
QUAL.US Exposure
0.003586682669130782
SHV.US Exposure
0.21569617933829102
TLT.US Exposure
0.026338968420362797
LQD.US Exposure
0.0891378431715462
HYG.US Exposure
0.052341129759131806
GLD.US Exposure
-0.000021755462620517467
USO.US Exposure
0.00017126152745490918
VNQ.US Exposure
0.010795373442991385
BTC-USD.CC Exposure
0.0019024481255751015
CPER.US Exposure
-0.002876379451656716
VIX.INDX Exposure
0.0031224510561103248
UUP.US Exposure
0.0007105209671570426
TIP.US Exposure
0.008396572907221822
Idiosyncratic Exposure
0.40393417403478765
Value Score
40.7
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
84.7
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
40.8%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →23.2x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →7.06%
Market Cap$355.0M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$3
Avg Yield on Cost
0.03%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2026$2.770.03%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+12.2%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+4.6%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
21.4% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.32
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is PayPoint plc a high-risk investment?

PayPoint plc (PAY.LSE) has an annualized volatility of 40.8% and experienced a maximum drawdown of 53.7% over the last 10 years. Its primary macro risk driver is SHV.US.

What is the 10-year return of PAY.LSE?

Over the past 10 years, PAY.LSE has generated a Compound Annual Growth Rate (CAGR) of 3.7%. It has had a positive return in 60% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

Run a Full Backtest on PayPoint plc

stresstest.pro lets you simulate DCA vs Lump Sum, Monte Carlo projections, portfolio optimisation, and more — all in seconds.

Start a Free Backtest